Free Loan & Mortgage Calculators

PayoffCalculator.io provides free, accurate loan and mortgage calculators to help you make informed financial decisions. Whether you're buying a home, financing a vehicle, or planning to pay off debt early, our tools give you the information you need.

Our Mission

We believe everyone deserves access to quality financial tools without barriers. That's why all our calculators are completely free, require no signup, and don't collect your personal information. We're here to help you understand your loans and make smarter financial choices.

What We Offer

Mortgage Calculators - Calculate payments, see amortization schedules, and explore payoff strategies for your home loan.
Vehicle Loan Calculators - Financing tools for boats, RVs, motorcycles, and auto loans.
Property Loan Calculators - Tools for construction loans, land purchases, HELOCs, and home improvements.
Business Loan Calculators - SBA loans, commercial mortgages, and equipment financing calculators.

Accuracy & Methodology

Our calculators use industry-standard financial formulas. The standard amortization formula (M = P[r(1+r)^n]/[(1+r)^n-1]) is used for loan payment calculations. While we strive for accuracy, these are estimates and actual loan terms may vary based on your lender, credit profile, and other factors.

Privacy First

We don't collect personal financial information. Your calculations stay in your browser. We use minimal analytics to improve our site but don't track individual financial data. Read our Privacy Policy for more details.

Not Financial Advice

While we provide helpful calculation tools, we are not financial advisors. Our calculators are for informational purposes only. For specific financial guidance, please consult with a qualified financial advisor or lender. Read our Disclaimer for more information.

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