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.
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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 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 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 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 Recast Calculator
Estimate how a lump-sum principal payment could lower a mortgage payment after recasting, including interest savings and fee payback.
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.