Free tools
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 personal loan comparisons, loan repayment planning, and debt payoff strategy analysis.
Free Personal Loan Calculator
Compare up to three personal loan offers, estimate monthly payments, and see total interest before you choose a lender.
Side-by-side loan comparisonAmortization schedulePrincipal vs interest chart
Free Debt Payoff Calculator
Compare snowball and avalanche methods, add extra monthly payments, and see your debt-free timeline.
Side-by-side method comparisonInteractive payoff chartMultiple debt inputs
Free Loan Repayment Calculator
Calculate monthly payments, total interest, and full amortization schedules for any fixed-rate loan.
Amortization schedulePrincipal vs interest chartCSV export