The amount
Interest is charged on what you owe, so borrowing less is the only lever that reduces both the payment and the total cost at the same time. Fees and taxes rolled into a loan count as borrowing too.
Calculate it. Understand it. Pay less.
Know what your loan really costs.
Six fast calculators and plain-English explanations for personal loans, cars, mortgages and debt payoff. No jargon, no sign-up, no credit check — just the honest math behind the monthly payment.
Hi, I'm Fetch. Try the calculator below — I'll explain whatever comes out.
Quick personal loan estimate
Estimated monthly payment
$391.34
$3,784.02 total interest · paid off Oct 2030
Principal 80% Interest 20%
Six tools, one honest answer each
Each one gives you the monthly payment, what the interest costs, and when you'd be free of it — plus the schedule behind the numbers.
Personal Loan Calculator
Monthly payment, total interest, payoff date and a full amortization schedule.
Open calculator →Auto Loan Calculator
Price, down payment, trade-in, tax and fees — see what you actually finance.
Open calculator →Mortgage Calculator
Principal, interest, taxes, insurance, HOA and PMI in one monthly number.
Open calculator →Student Loan Calculator
Payment, payoff date, total interest and total cost on a standard repayment plan.
Open calculator →Home Equity Loan Calculator
Fixed-rate second-mortgage payment, borrowable equity and total interest.
Open calculator →Debt Payoff Calculator
How long until it's gone, and what an extra $50 a month really buys you.
Open calculator →Extra Loan Payment Calculator
Baseline vs overpayment: months saved, interest saved, new payoff date.
Open calculator →Loan APR Calculator
Estimate the effective APR once origination fees are counted in.
Open calculator →Loan Comparison Calculator
Put two offers side by side and see which one is genuinely cheaper.
Open calculator →How Much Can I Borrow?
Start from the payment you can afford and work backwards to the loan amount.
Open calculator →
Juggling bills between paydays? Try the Paycheck Planner.
Ask Fetch
Ask the awkward questions
"What if I pay $50 extra?" "How can I get this payment under $350?" "Why am I paying this much interest?" Fetch re-runs the maths and answers in a sentence you can act on.
Ask Fetch
Ask about your numbers
Fetch explains your results in plain English. Every number comes from re-running the calculator above, so the figures are exact — never generated.
The three things that decide what you pay
The rate
APR is the price of the money. A couple of percentage points sounds small and isn't — over a five-year loan it's often the single largest difference between two otherwise identical offers.
The term
A longer term lowers the monthly payment and raises the total interest, because you carry the balance for more months. A cheaper payment is not the same thing as a cheaper loan.
Why the first payments feel wasted
On an amortized loan every payment is the same size, but its composition changes. Interest is calculated on the outstanding balance, which is at its highest right at the start — so early payments are mostly interest and late payments are mostly principal. That's not a penalty; it's arithmetic. It's also why an extra payment made in year one is worth several made in the final year: it cancels every future month of interest that portion of the balance would have generated. Open any calculator's amortization schedule to watch the split shift row by row.
FetchCalc FAQ
FetchCalc is an independent calculator and educational service. We are not a lender, broker, or financial adviser, and nothing here is financial advice. Estimates are for planning only; your actual offer and payment will come from your lender.