About LoanPayoff.io
A free, independent library of loan calculators built to give borrowers clear, transparent math — without a sales pitch attached.
Our mission
Loan math shouldn't be a secret. Whether you're comparing two personal loan offers, trying to decide if refinancing your mortgage makes sense, or just want to know how much of your car payment is going to interest, you deserve a straight, calculator-based answer — not a lead form that hands your phone number to a loan officer. That's the entire reason LoanPayoff.io exists.
How our calculators work
Every calculator on this site uses standard, industry-accepted amortization and interest formulas — the same math lenders use internally to build a payment schedule. You can see the exact formula behind every result in the "How it works" section of each calculator page.
All of the math runs client-side, directly in your browser, using plain JavaScript. Nothing you type into a calculator — your loan amount, your rate, your balance — is ever transmitted to a server, logged, or stored anywhere. Refresh the page and it's gone.
Who we are
LoanPayoff.io is an independent, ad-supported publisher. We are not a lender, a mortgage broker, or a licensed financial advisor, and we don't sell your information to anyone because we never collect it in the first place. The site is funded by display advertising, which keeps every calculator free to use with no account or subscription required.
Editorial standards
We aim for every formula, explanation, and FAQ answer on this site to be accurate, current, and written in plain English. If you spot an error or an outdated figure, we want to know — see our Contact page for how to send a correction.