Local-only calculator

Loan snapshot + payment scenarios

Enter hypothetical numbers to compare scheduled arithmetic with an optional extra amount. Nothing is saved or sent.

Your hypothetical snapshot

Loan typeCurrent balance ($)Annual interest rate (%)Remaining monthsCurrent monthly payment ($, optional)Extra payment ($, optional)

Verify after calculating

Loan type and owner Current servicer Current statement balance and due date Interest rate and whether it is fixed Status, capitalization, and outstanding interest

Verify with the FSA Loan Simulator