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, debt payoff strategy analysis, side-by-side personal-loan scenario testing, and DTI ratio analysis.
Free Personal Loan Calculator
Compare up to three personal loan offers, estimate monthly payments, and see total interest before you choose a lender.
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.