30-yr fixed 6.43% ▾ 0.06 wk

15-yr fixed 5.79% ▾ 0.04 wk

HELOC avg 7.90% — no change

Auto 60-mo new 6.82% ▴ +0.03 mo

Personal 24-mo 11.57% ▾ 0.12 qtr

Credit card APR 21.52% ▴ +0.09 qtr

as of Jul 2, 2026 · Federal Reserve / Freddie Mac via FRED (St. Louis Fed)

Loan Calculators

Enhanced Loan Calculator

A fuller picture of a loan: factor in an origination fee and extra monthly payments to see the true cost and your real payoff date.

Inputs

Solve for ?

Loan amount

Interest rate

Loan term (years)

Origination fee

Extra monthly payment

Estimates only. Change any value to recalculate instantly.

Monthly payment $601.14 $36,668 total cost including the $600 fee

Loan amount $30,000

Principal & interest $601.14

Total interest $6,068

Origination fee $600 2.0% of cash received

Total cost breakdown

Principal $30k
Interest $6.1k
Fee $600

The origination fee means you receive $29,400 but repay based on $30,000. Always compare the all-in cost, not just the rate.

Yearly amortizationView table

Year	Principal	Interest	Balance
1	$5,138	$2,076	$24,862
2	$5,537	$1,677	$19,325
3	$5,967	$1,247	$13,359
4	$6,430	$784	$6,929
5	$6,929	$285	$0

How this calculator works

This calculator runs entirely in your browser — nothing you enter is sent anywhere, and there is no sign-up. Change any input and the result, breakdown, and schedule update instantly.

Rate and cost fields are pre-filled with current benchmarks (Federal Reserve / Freddie Mac via FRED (St. Louis Fed)), so your first result is already realistic — replace them with your own quote to see your numbers. To weigh one option against another, use the loan comparison calculator.

Common questions

Is this calculator free, and do I need to sign up?

Yes and no — it is completely free and asks for no account or personal details. Every calculation happens in your browser, so nothing you type is stored or sent to us.

How accurate are the results?

The math is exact for the inputs you give it, but the defaults are national benchmarks — your real rate, fees, taxes, and insurance will differ. Treat the result as a close estimate to refine with a real quote.