Built for people
figuring out if they
can afford it.
DIYLoanCalc is a free, no-signup loan calculator that runs entirely in your browser. No accounts. No data collection. Just fast, honest math.
Our mission
Loan decisions are some of the biggest financial choices a person makes. Yet most people walk into a dealership or a bank without a clear picture of what they're actually agreeing to — the total cost, the interest paid, or how the term affects their monthly payment.
DIYLoanCalc exists to close that gap. We give you a fast, accurate, transparent calculator so you can run the numbers yourself — before you sign anything.
100% private
Every calculation happens locally in your browser. We never see the numbers you enter — not your loan amount, not your rate, not anything.
Instant results
No page reloads, no loading spinners. Adjust any slider or input and every number — monthly payment, total interest, payoff date — updates in real time.
Full PITI for mortgages
Go beyond principal and interest. Add optional property tax, home insurance, PMI, and HOA fees to see your true monthly housing cost.
Full amortization
See every year — and every month — of your loan life. Know exactly how much goes to principal vs. interest at any point in time.
Side-by-side compare
Should you take a 15-year at a lower rate or a 30-year for lower payments? The compare tool shows the exact trade-off instantly.
Always free
No paywalls, no premium tiers, no upsells. DIYLoanCalc is and will always be free to use for everyone.
A note on accuracy
DIYLoanCalc uses the standard amortisation formula to produce accurate estimates. Results are for informational purposes only and do not constitute financial advice. Actual loan terms, rates, and fees vary by lender. Always consult a qualified financial professional before making major borrowing decisions.
Have a question or found a bug? Get in touch