Kim LoweHead of Content, Personal & Student Loans
25 years of Consumer Lending experience
Calculators
NerdWallet’s Personal Loan Calculators
Tap into our calculators to estimate monthly loan payments, measure your debt against income and see if refinancing a personal loan makes sense.
Our calculators are built to give you financial guidance that makes sense no matter where you are in your journey.
Built by Nerds
Every calculator is built and reviewed by NerdWallet's writers and editors — real people with decades of expertise.
Always up to date
Rates, limits and formulas are reviewed regularly, so you're never calculating with stale numbers.
Free and unbiased
No sign-ups, no strings. Results are never influenced by business relationships.
Laura McMullen, editor and content strategist at NerdWallet
Personal loan calculators
Debt Consolidation Calculator
Enter your current debts to estimate your savings with a debt consolidation loan.
Personal Loan Extra Payment Calculator: Estimate Your Savings
See how adding money toward your monthly loan payments can save you money and time in debt.
APR Calculator: Estimate Cost of Borrowing With a Personal Loan
See how an origination fee affects your APR, monthly payment and total personal loan cost.
Payday Loan Calculator
Use this calculator to see your potential payday loan APR. Payday loans can put your finances at risk, so it’s a good idea to compare alternatives.
Personal Loan Refinance Calculator
Use a personal loan refinance calculator to see your savings on a refinanced personal loan. Plus, learn how to refinance your loan.
Home Improvement Loan Calculator
Use our calculator to estimate monthly payments and total interest on your home improvement loan.
Built by the Nerds
Our calculators are reviewed, tested and maintained by NerdWallet's Personal Loans editorial team.
