# LoanWise
> Free loan calculators with real amortization formulas, payment schedules, and payoff strategies.

## Loan Calculators
- [Personal Loan Calculator](/personal): Calculate monthly payments and total cost for personal loans at various rates and terms.
- [Auto Loan Calculator](/auto): Estimate monthly car payments with down payment, trade-in value, and financing options.
- [Student Loan Calculator](/student): Compare federal and private student loan payments, total interest, and repayment timelines.
- [Home Equity Calculator](/home-equity): Calculate how much equity you can borrow and estimate home equity loan payments.
- [Debt Consolidation Calculator](/debt-consolidation): See how much you can save by combining multiple debts into one lower-rate loan.
- [Refinance Calculator](/refinance): Compare your current loan with a new rate to see monthly and total savings.
- [Extra Payment Payoff Calculator](/payoff): See how much faster you pay off your loan with extra monthly payments.
- [Loan Affordability Calculator](/affordability): Find out how much you can afford to borrow based on your income and debts.