Loan Comparison Calculator Free
Free loan comparison calculator. Compare 2-4 loan offers side by side with APR, monthly payments, total interest, and break-even analysis.
⚡ Side-by-Side Comparison Templates (Quick Prefills)
Base Loan Principal (P)
All side-by-side loans are synchronized to this initial borrow amount.
Loan Offer 1
Upfront Fees Details
Loan Offer 2
Upfront Fees Details
🏆 Lowest Payment$1,799Provided by Option B (Low Rate)
🏆 Lowest APR (True cost)6.18%Effective index from Option B (Low Rate)
🏆 Lowest Total Cost$653,065Includes all interest & fees (best choice)
⚠️ Highest Cost Option$682,633Loses $29,569 vs best
Comparison Dashboard Grid
Parameters splay chart comparison of all configured loan offers.
| Parameters | Option A (Zero Fees) | Option B (Low Rate) |
|---|---|---|
| Lender Provider | Lender A | Lender B |
| Loan Amount (Principal) | $300,000 | $300,000 |
| Advertised Rate (%) | 6.50% | 6.00% |
| Term length | 30 Years | 30 Years |
| Payment Frequency | monthly | monthly |
| Upfront closing fees | $0 | $5,550 |
| Periodic payment (PMT) | $1,896 | $1,799 |
| Total Interest Paid | $382,633 | $347,515 |
| Effective APR (With Fees) | 6.50% | 6.18% |
| Total Lifetime Loan Cost | $682,633 | $653,065 |