Payment math for everything else you finance.
Real terms, real APR bands, and the full amortization schedule for the loans the big banks bury. No login, no email, no ads on top of your answer.
Today’s benchmark. The U.S. Prime Rate is 6.75% (Federal Reserve H.15, as of 2026-07-22), the rate lenders price secured loans against. Your rate is Prime plus a margin, so enter your real numbers below.
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Honest by design.
We’re not a lender and we don’t sell your data. Every calculator runs on a fixed-rate, equal-payment model and shows its full schedule, so you can see exactly where the interest goes before you ever talk to a bank.
No login, no email wall
Open the tool, get your number, leave.
The schedule is the proof
Every payment, principal and interest, itemized.
Estimates, not offers
Your real APR comes from your lender. We say so.