A practical next step · Free borrowing tools

Build your personal loan plan

Connect your budget, three equal-cash offers and an extra-payment scenario in a printable plan.

Personal installment loans · One connected scenario

Your budget, offers and repayment

These example inputs are hypothetical. This tool compares fixed monthly loans; it does not assess eligibility.

1 · Set the budget and usable cash need

Usable cash needed ($)Monthly take-home income ($)Essential non-debt spending ($)Existing monthly debt payments ($)Monthly reserve for irregular costs ($)

2 · Compare three offers for the same usable cash

Use the fee basis from each written quote. Withheld or financed fees increase principal to fund the same expense. You can also bring offers from the advanced equal-cash comparison.

Offer ANote interest rate (%/year)Term (months)Fee ($ or %)Fee basisMinimum percentage fee ($)Maximum percentage fee ($) · optionalFee treatmentQuoted APR (%) · optional

Offer BNote interest rate (%/year)Term (months)Fee ($ or %)Fee basisMinimum percentage fee ($)Maximum percentage fee ($) · optionalFee treatmentQuoted APR (%) · optional

Offer CNote interest rate (%/year)Term (months)Fee ($ or %)Fee basisMinimum percentage fee ($)Maximum percentage fee ($) · optionalFee treatmentQuoted APR (%) · optional

3 · Explore repayment

Offer to modelExtra principal each month ($)First scheduled due date · optional

The date is used in the optional cash-flow check; this monthly interest model does not calculate first-period daily interest. No due date is sent to a lender.

4 · Check dated cash flow · optional Include the selected offer’s first payment in a cash-flow check

Use the first due date above. Enter up to four other paydays or bills. Monthly budget totals are not copied into this dated check: enter actual events once. No future recurring payments are generated.

Period startPeriod end · within 92 daysOpening available cash ($)

Other event 1 · optional

TypeDateAmount ($)

Other event 2 · optional

TypeDateAmount ($)

Other event 3 · optional

TypeDateAmount ($)

Other event 4 · optional

TypeDateAmount ($)

Opening cash should already reflect any funding or upfront fee paid before the period. Add any in-period funding or upfront fee as its own event. Same-day expenses are modeled before income; actual posting order can differ.

Saving is optional and uses this browser tab’s session storage. No bank connection or account is needed. Avoid names, account numbers and other identifying details.

Enter your assumptions, then build your comparison.

Map paydays and other expenses → · Explore payment-date interest → · Confirm consolidation payoffs →