Loans Calculators

Mortgages, auto loans, and personal loans. Browse 13 free loans calculators from ClearSum.

LoansMortgage Calculator

Estimate your monthly mortgage payment based on the home price, down payment, interest rate, and loan term — plus optional property tax, insurance, and HOA fees.

LoansLoan Calculator

Find the monthly payment, total interest, and total repayment amount for any fixed-rate installment loan — useful for personal loans and any other lump-sum loan with a set term.

LoansAuto Loan Calculator

Estimate your monthly car payment based on the vehicle price, down payment, trade-in value, interest rate, and loan term.

LoansPersonal Loan Calculator

Estimate your monthly payment on a personal loan, and see how an origination fee affects the amount you actually receive versus what you repay.

LoansMortgage Affordability Calculator

Estimate the maximum home price that fits your budget, based on your gross income, existing debts, and down payment — using the same front-end/back-end guidelines many lenders reference.

LoansRent vs. Buy Calculator

See which option costs less over time — buying a home or renting and investing the difference — based on the assumptions you provide about rates, growth, and how long you'll stay.

LoansDown Payment Calculator

Find out how much you need for a down payment at any percentage, what loan amount that leaves you with, and how long it could take to save the difference.

LoansMortgage Payoff Calculator

Enter your current mortgage balance, rate, and remaining term to see your payment, then add an extra monthly amount to see how much sooner you'd be mortgage-free.

LoansMortgage Points Calculator

Estimate the upfront cost, monthly savings, and break-even period from buying mortgage discount points.

LoansRefinance Break-Even Calculator

Compare your current payment with a new estimated payment and calculate the time needed to recover refinance costs.

LoansHome Equity Calculator

Estimate the portion of your home you own outright and your current loan-to-value ratio.

LoansStudent Loan Calculator

Estimate the payment, total interest, and total repayment for a fixed-rate student loan.

LoansBalloon Payment Calculator

See the regular payment and estimated balloon balance when a loan ends before it is fully amortized.