Loan and debt calculators
Work out what a loan really costs before you sign. See the monthly payment and the total interest. See how much sooner you get out of debt by paying a little more. Every calculator shows the formula and the math.
Auto Loan CalculatorMonthly car payment.Personal LoanPayment and total interest.Credit Card PayoffHow long it takes and what interest costs.Student LoanPayments and payoff date.
Typical rates right now
| Loan type | Typical APR | Source |
|---|---|---|
| New car loan (average) | 6.35% | Experian, Q2 2026 |
| Used car loan (average) | 11.19% | Experian, Q2 2026 |
| Credit card, accounts charged interest | ~22% | Federal Reserve G.19 |
| 24-month personal loan at banks | ~11.5%–12% | Federal Reserve G.19 |
| Federal undergraduate student loan (2026–27) | 6.52% | StudentAid.gov |
Here are two quick examples at those rates. A $30,000 new-car loan over 60 months costs about $585 a month and $5,093 in interest. A $5,000 credit card balance paid with only the minimum takes about 19 years. It costs $8,100 in interest. That second example is not a small detail.
Car payment by loan amount
Credit card payoff by balance
Other tools
Updated: October 2, 2026 · Sources and methodology