Enter the key terms of a loan, card offer, lease or pay-later plan. We show the true total and flag the things people miss.
The true cost of a loan is everything you will pay over its life, including interest and fees, not just the monthly payment. Enter the key terms of a loan, card offer, lease or pay-later plan and this tool shows the total and flags common traps.
Severance agreements. Because they involve legal releases, we’re holding this one for now. Until then, the lost-my-job guide covers what to check.
Educational only, not financial or legal advice. This tool estimates costs from the terms you enter and flags common issues that consumer agencies warn about. It doesn’t review contracts and can’t catch everything. Read every page before you sign, and ask a professional about anything unclear. Everything runs in your browser. Pasted text is never uploaded.
Add up every payment you will make plus upfront fees, then subtract the amount you borrowed. The difference is what borrowing costs you. This tool does that math from the terms you enter.
A lower payment often means a longer term, so you pay interest for more months. The total cost can rise even when the monthly payment falls.
Some are interest-free if every payment is made on time, but late fees or interest on longer plans can apply. Read the plan terms before you agree.
The interest rate is the cost of borrowing the principal. APR also folds in certain fees, so it is usually the better number for comparing offers.