About calcstudio.app

calcstudio.app is a set of free mortgage, auto loan, personal loan, refinance and payoff calculators. Every calculation runs in your browser, so the answer appears instantly and your numbers never leave your device.

How the math works

Payments use the standard fixed-rate amortization formula. Each payment is rounded to the cent, interest accrues monthly on the remaining balance, and the final payment is adjusted so the balance ends at exactly zero. Results are estimates: your lender’s figures can differ because of fees, escrow, rounding conventions and how extra payments are applied.

What we are not

We are not a lender, broker or financial adviser, and nothing here is a loan offer or financial advice. Example interest rates on our pages are assumptions, not current market rates.