Loan Calculators

All loan and line-of-credit calculators

Compare borrowing options, see what a payment really costs, and check how fast a balance can be cleared.

Personal, auto, student and business loans

• Auto Loan Calculator: Canadian auto loan calculator. Work out car payments with sales tax, trade-in, and down payment.
• Business Line of Credit Calculator: Fees & All-In Cost: Business line of credit calculator with draw fees, unused-line (standby) fees, draw timing and seasonal repayment.
• Commercial Mortgage Calculator Canada: Commercial mortgage calculator for Canada: payment, balance due at the end of the term, interest, loan-to-value and debt service coverage. Semi-annual or monthly compounding.
• Commercial Loan Calculator Canada: Commercial loan calculator for Canada: interest-only period, then amortizing payments toward an optional balloon. See each payment, total interest and the balloon due.
• Equipment Financing Calculator Canada: Equipment financing calculator for Canada: compare a loan and a lease on the same equipment, with monthly payments, interest, total cash out and the end-of-term value.
• Small Business Loan Calculator Canada: Small business loan calculator for Canada: payment, total cost of borrowing and the all-in annual rate once fees are counted. Monthly, bi-weekly or weekly payments.
• Commercial Land Loan Calculator Canada: Commercial land loan calculator for Canada: down payment, loan payment, balance after the hold and yearly carrying cost with property tax. You enter the loan-to-value.
• CSBFP Loan Calculator: CSBFP loan calculator: payment on a Canada Small Business Financing Program term loan with the 2% registration fee, plus a check against the program limits and rate cap.
• BDC Loan Calculator: BDC-style loan calculator: payment with a principal-payment holiday, the extra interest it costs, and what a floating rate moving up or down does to your payment.
• Equipment Financing Calculator: Payment, balloon and all-in rate on an equipment loan.
• Equipment Lease vs Buy Calculator: Present-value cost of a lease against a loan.
• Business Loan DSCR Calculator: Debt service coverage and the largest loan your cash flow supports.
• Loan Origination Fee APR Calculator: What a loan fee does to the APR, now and if you repay early.
• Business Loan Interest Rate Calculator: Find the rate, APR with fees and factor rate from a quoted payment.
• Interest-Only vs Amortizing Business Loan Calculator: Payments, total interest and balloon for three loan structures.
• Commercial Loan Sizing Calculator: Largest loan by DSCR, loan-to-value and debt yield tests.
• Business Line of Credit Payment Calculator: Interest-only, draw-then-repay and percentage-of-balance payments.
• Business Loan Calculator (Payment, Total Interest): Business loan calculator: monthly payment, total interest and total cost, plus a quick table of payments for $25,000 to….
• Personal Loan Calculator: Canadian personal loan calculator. Work out monthly payments across payment frequencies and compare terms and total interest.
• Student Loan Payoff Calculator: Calculate student loan payoff with extra payments.
• Student Loan Repayment Assistance Plan (RAP) Checker: Canada Student Loan Repayment Assistance Plan (RAP) eligibility checker.

Lines of credit and home equity

• Home Equity Loan Closing Cost Calculator (Break-Even & True Cost): Add up appraisal, legal, title, lender, and discharge fees, see the APR-style effective rate over your years, and find the….
• Home Equity Loan Payment Calculator (Fixed Rate): Calculate a fixed-rate home equity loan payment, total interest, remaining equity, LTV, and combined LTV in USD or CAD.
• Home Equity Loan vs HELOC Calculator: Home equity loan vs HELOC calculator.
• Line of Credit & HELOC Rate Stress Test: Stress test a variable-rate line of credit or HELOC: enter balance, margin and your own index steps to see payment shock and….
• Line of Credit Calculator: Interest-Only vs Payoff (Canada): See your line of credit interest-only payment, payoff time and total interest, then compare it with a term loan.
• Line of Credit Payoff Calculator with Additional Draws: Line of credit payoff calculator that handles new draws.
• Line of Credit vs Personal Loan Calculator: Compare a line of credit and a personal loan for the same amount: monthly payment, total interest, total cost, payoff time and….

Paying debt down

• Debt Snowball Calculator: Debt snowball calculator to plan paying off multiple debts.
• Early Loan Payoff Calculator: Calculate savings from paying off loans early.

Rate and cost checks

• Criminal Interest Rate Checker (Canada, 35% APR): Canada criminal interest rate checker: enter the loan amount, payments and fees to get the annual percentage rate and see if….
• Payday Loan Cost and APR Calculator (Canada): Canada payday loan cost calculator: enter the amount and days to repay to see the fee, total repayment and the annual….
• Credit Card Annual Fee Break-Even Calculator: Is a credit card annual fee worth it? Enter the fee, your spend by category, earn rates, point value and welcome bonu…
• HELOC Calculator Canada 2026: Borrowing Limit & Payments: Canadian HELOC calculator: maximum borrowing at 65% of home value and 80% combined with your mortgage, interest-only …

Car buying and leasing

• Car Affordability 20/4/10 Calculator: Check a car against the 20/4/10 rule of thumb: 20% down, 48 months, 10% of gross income, plus the most you could spend.
• Car Down Payment Calculator: Compare up to four down payments on one car loan: payment, total interest, and interest saved versus what the cash could earn.
• Car Loan Term Comparison Calculator: Four car loan terms side by side: payment, total interest, extra interest, and months owing more than the car is worth.
• Car Sales Tax and Out-the-Door Price Calculator: Car sales tax and out-the-door price from your tax rate, fees and trade-in, with or without a trade-in tax credit.
• Lease Residual Value Calculator: Residual value from MSRP and a residual percentage, the lease payment it gives, and payments at residuals 5 and 10 points higher or lower.
• Lease Buyout Calculator: Lease buyout price with fee and tax versus the car's market value and the cost of returning it, plus an optional loan payment.
• Lease Mileage Overage Calculator: Projected lease mileage overage from your pace so far, the charge, and the monthly distance that keeps you under the limit.
• Mortgage Line of Credit Calculator: Line of credit room under a readvanceable mortgage, year by year, with the 65% HELOC cap and your combined limit.