About LoanClear

LoanClear is a free, private loan payoff calculator. It helps you see your real monthly payment, payoff date, and total interest — and exactly how much an extra payment saves you — for auto, personal, and student loans.

Why we built it

Most loan calculators are buried on lender websites designed to sell you a loan. We wanted a simple, unbiased tool that just answers the question: when will this loan be gone, and how do I clear it faster?

How it works

Everything runs in your browser using standard amortization math. We never see or store your numbers — there's no sign-up and no server. It's free to use, supported by unobtrusive ads and the occasional coffee tip from people it's helped.

Our promise

Accurate math, plain-English explanations, and no selling your data. This site is for education only and isn't financial advice — for decisions about your loans, talk to a qualified professional.