FriendlyLoans Tools
Free calculators and planning tools to help you make smarter money decisions. Compare personal loan offers, model fixed loan repayment, or map out how quickly snowball or avalanche strategies can get you debt free.
Available now
Current tool library
The tools library now covers loan offer comparison, personal loan repayment planning, debt payoff strategy analysis, side-by-side scenario testing, and DTI ratio analysis.
Free Roth IRA Calculator
Project a Roth IRA balance from current savings, annual contributions, time, expected return, and contribution timing.
Free 401k Calculator
Estimate retirement savings from salary, contribution rate, employer match, annual returns, raises, and time until retirement.
Free Credit Card Payoff Calculator
Estimate credit card payoff time, total interest, and savings from extra monthly payments based on balance, APR, and payment budget.
Free Net Worth Calculator
Total assets, debts, liquid balances, and category breakdowns to create a clear personal net worth snapshot.
Free APR Calculator
Convert loan amount, stated interest rate, term, origination fees, and prepaid finance charges into APR so you can compare true borrowing cost.
Free APY Calculator
Convert APR to annual percentage yield and estimate savings growth from compounding frequency, starting balance, monthly deposits, and time.
Free CAGR Calculator
Calculate compound annual growth rate from starting value, ending value, and years, then compare total gain, growth multiple, and annualized return.
Free Tax Refund Calculator
Estimate a 2026 federal refund or amount owed from income, filing status, deductions, credits, withholding, and estimated payments.
Free Currency Converter
Convert USD, EUR, GBP, CAD, AUD, JPY, MXN, CHF, CNY, and INR with live-rate fallback, editable rates, and optional exchange-fee estimates.
Free Inflation Calculator
Estimate how inflation changes dollar values, purchasing power, and cumulative price changes across years.
Free CD Calculator
Estimate certificate of deposit maturity value, interest earned, APY, and early withdrawal penalty impact from deposit, rate, term, and compounding.
Free Interest Only Loan Calculator
Estimate interest-only payments, later principal-and-interest payments, payment shock, and total borrowing cost.
Free Auto Loan Calculator
Estimate monthly car payments, amount financed, sales tax, fees, total interest, and ownership cost from vehicle price, down payment, trade-in, APR, and term.
Free Car Loan Payoff Calculator
Estimate payoff timing, total interest, and savings from extra monthly payments on an existing auto loan.
Free Compound Interest Calculator
Project savings growth from a starting balance, recurring contributions, annual rate, time horizon, and compounding frequency.
Free Simple Interest Calculator
Calculate simple interest, total repayment, principal, annual rate, or time for non-compounding personal loan scenarios.
Free Rent Calculator
Estimate affordable monthly rent from income, recurring debt, savings goals, utilities, renter insurance, and target rent-to-income ratio.
Free Rent vs Buy Calculator
Compare renting versus buying with mortgage payments, taxes, insurance, maintenance, appreciation, sale costs, and investment opportunity cost.
Free Rent Split Calculator
Calculate a fair roommate rent split from total rent, utilities, bedroom size, private bathroom, parking, and equal-share assumptions.
Free Mortgage Calculator
Estimate monthly mortgage payments with home price, down payment, interest rate, taxes, insurance, PMI, HOA dues, and amortization totals.
Free Mortgage Affordability Calculator
Estimate how much house you can afford from income, debts, down payment, mortgage rate, property taxes, insurance, HOA dues, and DTI limits.
Free Closing Cost Calculator
Estimate buyer loan fees, title charges, taxes, prepaid expenses, credits, net closing costs, and total cash to close for a home purchase.
Free Home Equity Loan Calculator
Estimate available home equity, fixed monthly payments, total interest, closing costs, and cash after fees for a lump-sum second mortgage.
Free Mortgage Recast Calculator
Estimate how a lump-sum principal payment could lower a mortgage payment after recasting, including interest savings and fee payback.
Free Balloon Payment Calculator
Estimate monthly payments, final balloon payoff, interest paid before the balloon date, and total loan cost.
Free Mortgage Refinance Calculator
Compare current and refinanced mortgage payments, closing costs, break-even timing, and total interest savings.
Free Extra Payment Mortgage Calculator
Calculate how extra monthly, yearly, or one-time principal payments can shorten mortgage payoff time and reduce total interest.
Free Personal Loan Calculator
Compare up to three personal loan offers, estimate monthly payments, and see total interest before you choose a lender.
Free Loan Comparison Calculator
Compare multiple loan offers by monthly payment, total interest, upfront fees, payoff term, and all-in borrowing cost.
Free Personal Loan Repayment Calculator
Compare personal-loan repayment scenarios side by side and calculate monthly payments, total interest, and amortization schedules.
Free Debt Payoff Calculator
Compare snowball and avalanche methods, add extra monthly payments, and see your debt-free timeline.
Free Loan Repayment Calculator
Compare loan terms and APR scenarios side by side to find the monthly payment and repayment plan that fits best.
Loan Amortization Calculator
Interactive calculator showing full amortization schedule with principal/interest breakdown per payment. See total interest saved with extra payments.
Free Debt Snowball Calculator
Calculate debt payoff using the snowball method (smallest balance first). See payoff timeline, total interest, and compare snowball vs avalanche strategies.
Free Loan Agreement Generator
Generate a simple, legally-worded personal loan agreement between friends or family. Enter loan details and download a free PDF contract template.
Free AFR Family Loan Calculator
Find the IRS-compliant minimum interest rate (Applicable Federal Rate) for an intra-family loan, plus monthly payment, total interest, and full amortization schedule.
Free Debt-to-Income Ratio Calculator
Calculate your debt-to-income ratio instantly. See if you qualify for a mortgage or loan and get tips to improve your DTI.