Loan and Money Calculators
See what a loan will really cost before you borrow, check if the monthly payments fit your budget, or plan where your money goes each month.
All our calculators are free, need no sign-up, and show results in seconds.
Pick the Calculator You Need
Payday Loan Calculator
See the fee, APR, and total amount you’ll repay on a short-term loan due on your next payday.
Installment Loan Calculator
Estimate your monthly payment and total interest on a loan you repay in equal installments over several months.
Cash Advance Calculator
Find out how much a cash advance will cost you in fees and interest before you take one.
Personal Loan Calculator
Try different loan amounts, rates, and terms to see your monthly payment and the total cost of borrowing.
Budget Calculator
Add up your monthly income and expenses to see how much you can save or comfortably put toward a loan.
Tax Refund Estimator
Get a quick estimate of your federal tax refund, or what you may owe, based on your income, filing status, and withholding.
Debt Payoff Calculator
See how long it will take to pay off your debts and how much extra payments can save you in interest.
Not sure which one you need?
Pick one of the situations below, and we’ll point you to the calculators to use and in what order.
Same Amount, Three Ways to Borrow It
Move the sliders to see how the cost of each option grows if repayment takes longer than one paycheck.
Edit assumptions
The installment APR starts equal to the payday fee’s APR, so the difference you see comes from structure alone. Replace it with the APR from your offer.
Illustration only, not an offer. Many states limit or ban payday loan extensions, and a card cash advance needs available cash credit. See rates and limits in your state.Run your exact quote: Payday · Installment · Cash advance
Use Them in This Order Before You Borrow
Most people open a loan calculator first. Starting with your budget tells you what payment to look for, so you check offers against a number you already trust.
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Find your payment ceiling. The budget calculator shows what’s left after bills. That’s the most a payment can be.
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Check money already on the way. The tax refund estimator tells you if a refund could cover the gap, so you can borrow less or not at all.
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Run the exact quote. Enter the lender’s numbers in the calculator that matches the loan type. Compare the payment with step 1.
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See the effect on your other debts. If you already carry balances, the debt payoff calculator shows how a new payment moves your debt-free date.
What a Calculator Can’t Tell You
These costs are the ones people most often leave out.
Fees outside the finance charge
Origination, late, and NSF fees vary by lender and state. Ask for them in writing and add them to the fee field.
Your bank’s fees
If an automatic payment bounces, your bank may charge its own NSF fee on top of the lender’s.
State limits
Your state may cap the amount, fee, or number of extensions. Check your state before you plan around a rollover.
Whether you’ll qualify
The lender makes the decision after reviewing your income and history. A calculator can’t predict approval or the APR you’ll be offered.
A hard credit inquiry
Calculators never check credit. Prequalification uses a soft inquiry, but a lender may run a hard inquiry when you apply.
Tax refund timing
The IRS issues most e-filed refunds with direct deposit in under 21 days. Refunds with the Earned Income or Additional Child Tax Credit can’t be released before mid-February.
Extensions
This is where short-term borrowing gets expensive. Four out of five payday loans are rolled over or renewed within 14 days. A $300 loan extended three times at $15 per $100 costs $135 in fees, and you still owe the full $300.
FAQ
Is the result from a calculator a loan offer?
No. Calculators show estimates based on the numbers you enter. The lender sets the final APR, fees, and schedule, and state law caps what can be charged. Use the results to check a real quote, not to predict one.
Should I compare offers by APR or by total cost?
If two offers have the same term, compare total cost in dollars. If the terms differ, compare APR, then check the total cost of the term you can actually repay in. CFPB: interest rate vs. APR
Does using a calculator affect my credit score?
No. Calculators don’t check your credit. A credit inquiry happens only when you submit a loan request, and prequalification uses a soft inquiry.
I’m active-duty military. Do these numbers apply to me?
Under the Military Lending Act, covered borrowers can’t be charged more than a 36% Military APR, which includes most fees. Products priced above that aren’t available to you.
Calculators are provided for educational purposes and show estimates only. Results are not a loan offer and do not guarantee approval, APR, terms, or funding. 1F Cash Advance LLC is not a lender and does not make credit decisions; participating lenders set rates and terms, which vary by state and lender. Tax estimates are not tax advice. For help with debt, consider a nonprofit credit counselor.