Loan Calculator: True Cost
Expose the hidden math. See the exact interest your bank doesn't want you to know about.
Don't Let The Bank Trick You
When you sit down at a dealership or a mortgage broker's desk, they want you to focus on one thing: your monthly payment. They intentionally hide the number that actually makes them rich—the shocking total interest you will pay over the life of your loan. Amortizer is built differently. We instantly expose the true cost of your debt. With real-time extra payment sliders and our unique Crossover Month highlighter, you take back control of your financial future.
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Key Features
Live Extra Payment Slider
Drag the slider to add $25, $50, or $100 to your monthly payment. Watch in real-time as years of debt and thousands in hidden interest vanish from your schedule.
Wealth Crossover Highlight
Our color-coded amortization table automatically finds your "Break-Even" month—the exact moment your payments stop lining the bank's pockets and actually start paying off your principal.
Hidden Fee Analyzer
Never get tricked by a "lower monthly payment" again. Factor in origination fees, closing costs, and dealer markups to reveal the TRUE Annual Percentage Rate (APR) of personal and auto loans.
What's New
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Initial release of the True Cost calculation engine.
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Added the interactive Extra Payment Slider.
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Introduced the color-coded "Crossover Month" indicator.
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Pre-filled typical US average APRs for 5 major loan types.