Make smarter financial decisions with free calculators
See the true cost of any loan in seconds — every payment, every dollar of interest, clearly laid out.
Monthly
$2,029
Total
$730K
Interest
$410K
Loan balance — 30 years
With $200/mo extra
Save $52K in interest
Pay off
4y earlier
What do you want to figure out?
12 calculators, instant results, no account needed.
Mortgage Calculator
Find out your true monthly cost including taxes, insurance, and PMI — then see how much interest extra payments could save you.
Car Loan Calculator
See your true monthly payment, total interest, and whether the car fits your budget — including sales tax and trade-in value.
Loan Amortization Calculator
See every payment broken down into principal and interest. Know exactly when your loan is paid off and what it costs in total.
Debt Snowball Calculator
Enter your debts, pick avalanche or snowball, add an extra payment — and see the exact month each debt disappears.
Credit Card Payoff Calculator
See what minimum payments really cost, and how fast a fixed monthly amount clears the same balance.
Debt Avalanche Calculator
Target your highest-rate debt first — the cheapest order — and see exactly what the snowball would cost instead.
Auto Loan Payoff Calculator
See what extra payments save on your car loan, and when you stop owing more than the car is worth.
Student Loan Payoff Calculator
See how an extra payment or a lump sum moves your student loan payoff date and cuts total interest.
Rent vs Buy Calculator
Compare renting and buying on net worth, not monthly payment, and find the year buying pulls ahead.
Compound Interest Calculator
See how $10,000 and $200/month grows to six figures. Watch interest outpace contributions as compounding kicks in.
Mortgage Payoff Calculator
See how an extra payment, a lump sum, or a biweekly schedule moves your payoff date and cuts total interest.
Biweekly Mortgage Calculator
See how much interest and time you save by paying every two weeks instead of once a month. The math is surprisingly powerful.
Why people use FinWiser
No spreadsheets required
Instant, accurate results — no Excel formulas to debug.
Free, always
Every calculator is free to use, no credit card needed.
Save your work
Create a free account to save and revisit your calculations.
Learn how money works
Plain-English guides to loans, interest, and debt payoff.
How to Pay Off Your Mortgage Early: 7 Strategies That Actually Work
7 min read
DebtAvalanche vs Snowball Method: Which Pays Off Debt Faster? (With Calculator)
8 min read
InvestingHow Compound Interest Works — and Why Starting Early Always Wins
6 min read
Auto LoansHow Car Loan Interest Works: What You're Actually Paying Each Month
5 min read
Compare mortgages side by side
15-year vs 30-year? Two different rates? See which option costs less over the life of your loan — including total interest and monthly payment differences.