Financial Calculators

Free tools to help you make informed financial decisions. Plan your loans, budget, and savings with confidence.

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Choose Your Calculator

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Loan Payment Calculator

Calculate your monthly loan payments and total interest

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Debt Consolidation Calculator

See how much you can save by consolidating debts

📊

Budget Calculator

Plan your monthly income and expenses effectively

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Savings Goal Calculator

Figure out how much to save monthly for your goals

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Early Payoff Calculator

Calculate savings from paying off your loan early

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Loan Affordability Calculator

Determine how much you can afford to borrow

💰 Loan Payment Calculator

Calculate your estimated monthly payment and see the total cost of your loan.

$10,000
24.99%
Monthly Payment
$368
Fixed payment amount each month
Total Interest
$3,248
Total interest paid over loan term
Total Amount Paid
$13,248
Principal + Interest
💡 Note: This calculator provides estimates only. Your actual APR, payment, and costs may differ based on your creditworthiness, state regulations, and other factors. Contact OneMain Financial for personalized loan offers.

💳 Debt Consolidation Calculator

See how much you could save monthly by consolidating multiple debts into one loan.

New Monthly Payment
$542
Consolidated loan payment
Monthly Savings
$58
You save this much each month!
Total Interest Savings
$2,088
Total saved over loan term
✓ Benefits of Debt Consolidation: Lower monthly payments, simplified finances with one payment, potentially lower interest rates, and improved credit score over time with consistent payments.

📊 Monthly Budget Calculator

Track your income and expenses to see where your money goes each month.

Monthly Income

Monthly Expenses

Total Monthly Income
$3,500
Total Monthly Expenses
$2,600
Net Monthly Balance
$900
Surplus - Great job!
💡 Budget Tips: Follow the 50/30/20 rule: 50% for needs, 30% for wants, 20% for savings. If you have a deficit, look for areas to cut expenses or consider increasing your income.

🏦 Savings Goal Calculator

Calculate how much you need to save each month to reach your financial goal.

Monthly Savings Needed
$375
Save this amount each month
Total You'll Save
$9,000
Your contributions over time
Interest Earned
$150
Growth from interest
🎯 Pro Tip: Set up automatic transfers to your savings account each payday. Even small amounts add up over time. Consider a high-yield savings account for better interest rates.

⚡ Early Payoff Calculator

See how much you can save by paying extra on your loan each month.

Time Saved
8 months
Pay off loan faster!
Interest Saved
$650
Money saved from interest
New Payoff Date
28 months
Instead of 36 months
✓ Good News: OneMain Financial has NO prepayment penalties! You can pay extra or pay off your loan early at any time and save on interest. Every extra dollar goes toward your principal balance.

🏠 Loan Affordability Calculator

Find out how much you can realistically afford to borrow based on your income and expenses.

30%
Maximum Loan Amount
$8,200
Based on your budget
Comfortable Monthly Payment
$300
30% of remaining income
Remaining Monthly Budget
$700
Available for savings & other needs
⚠️ Important: This calculator suggests a maximum, but you should borrow only what you need and can comfortably repay. Consider an emergency fund and don't stretch your budget too thin.