Our calculators
Student Loan Payment Calculator
Your monthly payment on the standard plan, total interest, and a year-by-year payoff schedule.
Open calculator →RAP vs IBR vs Standard Calculator
Compare the new RAP income-driven plan, IBR, and the standard 10-year plan side by side — payment, total paid, and what gets forgiven.
Open calculator →Extra Payment Calculator
Pay $50 or $100 extra a month, or switch to biweekly payments — see how many months and dollars you save.
Open calculator →Student Loan Refinance Calculator
Would a lower rate actually save you money? See the new payment, the break-even month, and the interest saved — plus the federal protections you would give up.
Open calculator →Payment vs Income Calculator
Is your loan payment a reasonable share of your pay? Check it against your take-home pay and your debt-to-income ratio.
Open calculator →Debt Payoff Priority Calculator
Student loan, credit card, or car loan — which do you attack first? The avalanche order across all three debts, with the federal-loan exception explained.
Open calculator →Total Monthly Burden Calculator
Add up the student loan, the car payment, and the credit card minimums, and see what is actually left of your paycheck each month.
Open calculator →Student Essentials
Free ID & Passport Photos
Make US passport/visa 2×2″, China passport 33×48mm, or 1-inch photos right in your browser — swap white, blue, or red backgrounds and download at 300 DPI, with a 4×6 print layout. Nothing is uploaded; everything runs on your device. (Interface in Chinese.)
Open the photo tool →Why check before you borrow — or before you pay
The rules changed in 2026
SAVE is gone. The new Repayment Assistance Plan (RAP) started July 1, 2026, and what you pay now depends on when you borrowed. Most calculators online still show the old plans — these tools use the 2026 rules.
The payment is not the whole story
A low income-driven payment feels good, but the loan can last 20 or 30 years, and the total paid can be more than the standard plan. Every comparison here shows the total paid and what gets forgiven, not just the monthly number.
Your loans don't live alone
A student loan, a car payment, and credit card minimums all come out of the same paycheck. The payoff priority and total burden calculators look at all three together — that is where most budgets actually break.
Free and private
No accounts, no sign-ups, no data leaving your browser. The math runs locally in JavaScript, and the tools are free with no usage limits.
How to use these calculators
Start with the monthly payment calculator to see what the standard 10-year plan costs. Then run the RAP vs IBR calculator — for most borrowers, the income-driven payment is much lower than the standard payment, but the loan lasts far longer and the total paid can be higher.
If you have more than one kind of debt, use the payoff priority calculator before you send extra money anywhere. Credit cards at 20%+ APR almost always come first; a federal student loan on an income-driven plan usually comes last, because the payment is already capped and the balance may be forgiven.
Finally, add everything up in the total monthly burden calculator. A car payment that looks fine on its own can be too much once the student loan and the credit card minimums are in the same month.
Frequently asked questions
Are these calculators really free?
Yes. Every tool is free with no usage limits and no account required.
Is my financial data sent anywhere?
No. All calculations happen locally in your browser using JavaScript. There are no user accounts, and the numbers you enter are never transmitted to us.
Are the results financial advice?
No. The calculators produce good-faith estimates based on standard loan math and the federal repayment rules in effect in 2026. Loan programs, rates, and rules change — for decisions involving real money, check with your loan servicer or a qualified financial professional.
What happened to the SAVE plan?
The SAVE plan was struck down in court and then terminated by law (the One Big Beautiful Bill Act). It no longer exists. The current income-driven plan is RAP, which started July 1, 2026. Our RAP vs IBR calculator uses the 2026 rules only.
Why do federal and private student loans get treated differently here?
Federal loans come with income-driven repayment, forgiveness programs, and deferment options that private loans do not have. Refinancing a federal loan into a private loan gives those protections up permanently. That is why the refinance calculator and the payoff priority calculator treat federal loans differently.
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