Paydayloaning.com

Calculators

Loan calculators

Every calculator runs in your browser and nothing you type is sent to us. Start with the monthly payment, then check the total cost of credit.

Advertising disclosure: Paydayloaning may receive a referral fee if you apply through the link above. That fee does not change the rate you are offered, and it does not change our content. We are not a lender. The lowest rates are only available to the most qualified applicants. Read the full disclosure.

All calculators

Guides

Each one is a single page with the math shown and the assumptions stated.

  1. 01 Payday Loan Calculator Enter the amount you need, the fee per $100 borrowed, and the days until payday to see the finance fee, total due, the effective APR, and cost per $100.
  2. 02 Payday Loan Rollover Calculator See what rolling over a payday loan costs. Enter the amount borrowed, the fee per $100, and the rollover count to total the fees paid and what you still owe.
  3. 03 Payday vs Installment Loan Calculator Compare a payday advance with an installment loan on the same amount. Enter both sets of terms to see total repaid, each APR, and the cost difference.
  4. 04 Cash Advance App Cost Calculator Estimate what a cash advance app really costs. Enter the advance, the monthly fee percentage, and the months to repay to see total fees and the effective APR.
  5. 05 Credit Union PAL Calculator Compare a credit-union payday alternative loan with a payday advance. Enter both rates and terms to see each payment, total, APR, and the cost difference.
  6. 06 Title Loan Cost Calculator Work out the cost of a title loan before you sign. Enter the amount borrowed, the monthly fee percentage, and the months held to see fees and total repaid.
  7. 07 Personal Loan Calculator Estimate the monthly payment, total interest, origination fee, and true cost of a personal loan, the cheaper installment alternative to a payday advance.
  8. 08 Loan Payment Calculator Calculate the monthly payment on a fixed-rate loan. Enter the amount, annual interest rate, and term in months to see the payment, total paid, and interest.
  9. 09 Loan Payoff Calculator See how many months it takes to pay off a loan and how much interest an extra monthly payment saves. Enter your balance, rate, payment, and extra amount.
  10. 10 APR Calculator Find the true APR on a loan that carries an upfront fee. Enter the amount, stated rate, fee, and term to compare the note rate with the real annual cost.
  11. 11 Debt Consolidation Calculator Compare your current debts with one consolidation loan. Enter the balance, current rate and payment, and the new loan terms to see the payment and interest.
  12. 12 Debt-to-Income Ratio Calculator Calculate your debt-to-income ratio from gross monthly income and monthly debt payments. See your housing ratio, total DTI, and what the number means.
  13. 13 Loan Comparison Calculator Compare two loan offers side by side. Enter the amount, each rate, term, and fee to see payments, total cost, APR, and which offer is cheaper overall.

Related reading

Frequently asked questions

Are these loan calculators free?
Yes. Every calculator on Paydayloaning runs in your browser, is free, and requires no sign-up. Nothing you type is sent to us.
How accurate are the results?
The calculators use the standard amortization and APR formulas used across consumer lending. They give an accurate estimate for the numbers you enter, but the exact figure depends on your lender's fees, compounding and rounding.

Advertising disclosure: we may receive a referral fee. The lowest rates are only available to the most qualified applicants.

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