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

Loan Comparison Calculator

Compare two loan offers side by side — payment, total interest and total cost.

Inputs

Loan amount

Loan A — rate

Loan A — term (years)

Loan B — rate

Loan B — term (years)

Estimates only. Change any value to recalculate instantly.

Lower total cost Loan B saves $110 versus the other offer

Loan A payment $489.15

Loan A total interest $4,349

Loan B payment $609.15

Loan B total interest $4,239

Total interest compared

Loan A interest $4.3k
Loan B interest $4.2k

Loan balance Loan ALoan B

Loan B costs $110 less over its life. A shorter term usually means a higher payment but far less interest.

Balance & interest by yearView table

Year	Loan A balance	Loan B balance	Loan A interest	Loan B interest
1	$20,626	$19,468	$1,496	$1,778
2	$15,960	$13,482	$1,203	$1,324
3	$10,981	$7,006	$891	$834
4	$5,668	$0	$557	$303
5	$0	$0	$202	$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.