Our mission
SmartLoanCalcs provides free, accurate, transparent calculators that help US consumers and small businesses make informed borrowing decisions — auto, student, personal and business loans, plus credit and debt tools.
What we offer
- Free calculators. Every tool on this site is free to use, with no sign-up.
- Up-to-date numbers. Rates, tax rules and federal repayment plans are reviewed each year.
- Plain-English guides. Long-form articles explain the math behind each tool.
Our standards
- Accuracy. Every calculator publishes its formula and cites its sources.
- Transparency. We are not a lender. We do not earn from your loan choice.
- Privacy. Inputs are calculated in your browser and not stored. See our Privacy Policy.
Sources we use
- U.S. Department of Education (federal student loans, IDR/SAVE)
- Consumer Financial Protection Bureau (CFPB) guidance
- State Departments of Revenue (sales tax averages)
- Public market averages for current loan rates (refreshed periodically)
Editorial team
Content is produced by the SmartLoanCalcs Editorial Team. We aim for clarity over jargon and we update articles when laws or rates change. Spotted an error? Use our Contact form — we read every message.