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45 free calculators

Free Loan, Interest, Mortgage & Financial Calculators

Start with the calculation you actually need. These browser tools cover daily interest and per diem, loan payments and payoff, mortgages, annuities, savings, investing, debt, seller financing, and advanced loan questions.

Turn calculations into printable documents

Payment History Statement →Loan Payment Receipt →Annual Interest Statement →

New: Free loan statements and printable receipts

Turn actual payments into a date-by-date loan history, generate a single-payment receipt, or prepare a calendar-year interest worksheet. Runs in your browser with no registration.

Payment history statementPayment receiptAnnual interest statement
NEW • ADVANCED FREE TOOLS

Make smarter mortgage & home-equity decisions

Two in-depth calculators with interactive loan schedules, scenario comparisons, printable results, and full CSV exports. No registration required.

Mortgage planningMortgage Recast Calculator →Lower payment vs. faster payoff, fees, and full monthly schedulesHome equity borrowingHELOC Payment Calculator →Draws, variable rates, payment jump and repayment forecast
NEW FREE CALCULATOR

Free Time Card & Timesheet Calculator

Enter start times, end times and unpaid breaks. Add overnight or split shifts, total weekly hours, estimate overtime and print or download a CSV timesheet. No signup required.

Time & work hoursOpen Time Card Calculator →Weekly hours • unpaid breaks • overtime • printable timecard

Popular interest and loan tools

High-use calculatorDaily Interest & Per Diem

Daily rate, dollar per diem, exact dates, and 360/365/366 comparisons.

Expanded calculatorAnnuity PV, FV & Payment

Calculate present value, future value, or the periodic payment required for a target.

New free toolLoan Payment Coupon Generator

Create and print monthly payment coupons online.

Daily interest & payoffPer diem, interest between dates, payoff extensions, and mortgage prepaid interest. Amortization & loan balancePayments, payoff dates, remaining principal, extra payments, and balloon balances. Private & seller financingOwner financing, irregular payment histories, construction draws, and loan reconciliation. Annuities & savingsPresent value, future value, periodic payments, compound growth, and savings targets.

Loan & interest

Loan Payment CalculatorPayment and amortization table.Simple Interest CalculatorPrincipal, rate, time, and accumulated amount.Daily Interest & Per DiemInterest per day and exact-date accrual.Interest Between DatesExact date counting and simple daily interest.Payoff Per Diem CalculatorExtend a payoff balance through a target date.Loan Payment Coupon GeneratorCreate printable payment coupons.

Savings, investing & annuities

Annuity CalculatorPV, FV, and payment calculations.Compound Interest CalculatorGrowth with contributions and compounding.Sinking Fund CalculatorDeposit required to reach a target future amount.Investment Growth CalculatorLump sum plus recurring monthly investments.

Mortgage & payoff

Mortgage Recast CalculatorCompare lower recast payments against accelerated payoff and refinancing.HELOC Payment CalculatorModel draw period, variable APR, and repayment changes.
Mortgage Payoff CalculatorExtra payments, time saved, and interest saved.Extra Payment CalculatorCompare scheduled and accelerated payoff.Loan Payoff CalculatorEstimate remaining payoff time and interest.Biweekly Payment CalculatorCompare biweekly and monthly payment patterns.

Professional loan, payoff & private-lending tools

These calculators handle the situations that generic payment calculators usually skip: exact dates, changing balances, construction draws, seller financing, and real payment histories.

Remaining Loan Balance CalculatorEstimate outstanding principal after a selected number of payments. Seller & Owner Financing CalculatorPayment, balloon balance, note value, and investor yield. Irregular Payment Loan CalculatorRebuild late, partial, skipped, and principal-only payment history. Construction Loan Interest CalculatorInterest from dated draws, repayments, and unused commitments. Mortgage Per Diem & Prepaid InterestEstimate daily mortgage interest from closing through month-end. Payoff Per Diem CalculatorExtend a known balance through a specific payoff date.

Popular calculation problems

Start with the question you are trying to solve. Each page below explains the issue and sends you directly to the right free calculator.

Loan payoff amount through a specific dateExtend a balance using daily payoff interest. Promissory note interest between datesExact-date simple interest and changing balances. Private loan interest calculatorDaily interest, private notes, and payment-history choices. Owner financing calculatorSeller-financed payment, balloon, and note value. Balloon note payoff calculatorBalloon balance plus date-specific payoff interest. Loan balance after irregular paymentsReconstruct actual late and partial payments. Prepaid mortgage interest at closingMortgage per diem from closing through month-end.

More specialized calculators remain available through the navigation menu, including seller financing, irregular payment reconciliation, debt payoff, retirement, net worth, and rate conversion tools.