Loan modeling tools

Accurate loan math for your 2026 goals — My Loan Calculator

Use our modeling tools to evaluate interest rates and payoff timelines before you apply for personal or mortgage loans.

Call a funding specialist

Free analysis. Soft credit check only.

How it works Why this exists
Financial transparency
  • Amortization schedule
  • Debt-to-income ratio
  • Fixed rate
  • Variable rate
  • Principal balance
  • Equity position
  • Loan term
  • Refinance eligibility
What we fund

Personal and mortgage loan financial modeling

Financing options matched to your situation, in one place.

  • $5K–$2M Coverage range
  • 0% Impact Soft credit pull
  • 3 minutes Modeling time
How it works

How the money moves.

One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.

1
You
Model your scenario
Enter your desired loan amount and term length into our modeling tool.
2
Us
Review the schedule
We generate a precise amortization schedule based on current market rates.
3
Us
Compare offers
We display relevant rates from our trusted network of partner lenders.
4
Lender
Apply directly
Submit your formal application to the lender to finalize your funding.

Data security

  • We use 256-bit encryption for all your financial input data.
  • Your personal data is never sold to third-party advertisers.

Independent tools

  • Our modeling tools provide unbiased, factual mathematical outputs.
  • We show you the raw math rather than curated marketing materials.

No hidden costs

  • Our service is 100% free for all borrowers using our site.
  • We are compensated by our lending partners, never by you.
Why this exists

Why the usual lenders say no.

Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.

01

High debt-to-income ratio

Lenders often cap debt-to-income at 43% for mortgage loans.

Focus on debt consolidation loans to pay off revolving credit and improve your metric.
02

Credit score requirements

Many personal loans require a score above 660 for prime interest rates.

Check your credit report for errors and model loans with smaller amounts first.
03

Insufficient employment history

Lenders prefer consistent income verification over at least two years.

Model loans that utilize alternative documentation methods for self-employed individuals.
Composite scenarios

What a funded request actually looks like.

Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.

Illustrative Midwest · Personal loan
$30K

Tech worker

Home renovation project

Illustrative South · Mortgage
$450K

First-time buyer

Primary residence purchase

Illustrative West · Debt consolidation
$25K

Recent graduate

High-interest debt consolidation

Illustrative Northeast · Refinance
$150K

Homeowner

Rate reduction strategy

How we label illustrative scenarios →

Stay informed

Financial literacy resources

Access our guide to understanding fixed versus variable rate loans, amortization schedules, and how much home you can afford in 2026.

Read our editorial standards →
Questions we get asked

Frequently asked.

It takes your desired principal amount and term length to project your monthly payment based on current market averages. Most users see variations of $150 per month based on a 1% shift in interest rates.

What are you looking for?

Pick the option that fits your situation — we'll take you to the right place.

Business financing Loans, lines of credit, and equipment financing for your business. Personal loans For individuals — debt consolidation, large purchases, and credit-card payoff. Business insurance Coverage for your business — general liability, workers' comp, and cyber.