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Interest Comparison Calculator

Compare two loan offers side by side. Enter the amount, rate, term, and fees for each. See which one actually costs less.

Offer A

Offer B

$0

Difference in total cost

Offer A Results

Monthly Payment$0
Total Interest$0
Total Cost$0
Effective APR0%

Offer B Results

Monthly Payment$0
Total Interest$0
Total Cost$0
Effective APR0%
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How It Works

Enter two loan offers side by side. The calculator computes the monthly payment, total interest, and effective APR for each. The effective APR includes origination fees, giving you the true cost of borrowing.

Practical tip: A lower APR with a high origination fee can cost more than a slightly higher APR with no fee. Always compare total cost, not just the rate. The winner/loser highlighting shows you which offer saves money instantly.

Privacy note: All calculations happen in your browser. Nothing is sent to our servers.

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