Terms

Effective date: 2026-11-09. Last updated: 2026-11-09.

These terms explain what you can expect from Loan Calculators and what we ask of you in return. By using this site, you agree to them.

What this site is

Loan Calculators is a free set of loan, auto loan, interest, amortization, payoff and EMI calculators for people in the USA. The calculators run in your browser and show estimates based on the numbers you enter and the standard formulas shown on each page. There is no account to create, and nothing on this site is sold.

Estimates, not advice

Every result on this site is an estimate, not financial advice, tax advice, or legal advice. Your lender’s figures, fees, payoff rules and rounding can differ from ours, and the rates in our examples are examples only, not live market rates. Do not make a borrowing decision on these numbers alone. Check the loan agreement and talk to a financial professional before you sign.

Your use of the site

You may use the calculators for your own personal use, and you may link to any page on this site. You may not copy the site’s pages or calculators and present them as your own, and you may not use the site in a way that breaks the law, harms the site, or tries to get around its limits. Do not enter anyone else’s personal information into the contact form, and do not send us Social Security numbers, bank account numbers, or full loan documents.

Accuracy

We check the formulas and the worked examples by running the same code the calculators use, and we fix mistakes when we find them. But we cannot promise every result is right for your loan, because we do not know your lender’s fees, rules or rounding. If you spot a figure that looks wrong, tell us on the Contact page and we will check it.

Availability

We aim to keep the site available, but we do not promise it will never go down or that any page will stay the same. We may change, add or remove pages at any time, and we may update these terms. The version in force is the one on this page at the time you use the site.

Liability

To the fullest extent the law allows, this site and its editorial team are not liable for any loss or cost that comes from using the calculators or relying on their results, including a loan decision made on an estimate. The calculators are provided as they are, without warranties of any kind.

Contact

If you have a question about these terms, use the Contact page form.

Sources and method. Standard loan amortization formula: monthly rate = annual rate / 12; monthly payment = P × r(1+r)ⁿ / ((1+r)ⁿ − 1). Simple interest I = P × r × t; compound interest A = P(1 + r/n)^nt. Rates in the examples on this page are examples only, not live market rates. Results are estimates, not financial advice.

Estimate, not financial advice. This calculator uses the numbers you enter and the standard amortization formula. Your lender’s figures, fees and payoff rules can differ. Check the loan agreement and talk to a financial professional before you borrow.