Instalment Loan Calculators for Canada
Free, no-signup calculators for Canadian borrowers. Each one uses the same standard amortisation maths a lender uses, so you can see the payment, the total interest, and the total cost of borrowing before you apply.
These tools are educational. Enter your own numbers — every rate is an example you can change, not a quote.
Loan Payment Calculator
Work out the monthly payment, total paid, and total interest on a fixed-rate instalment loan.
Loan Amortization Calculator
See the payment plus a period-by-period breakdown of interest, principal, and remaining balance.
Cost of Borrowing Calculator
Add fees to a loan and see the total cost of borrowing, plus the cost per $100 borrowed.
Payday Loan Cost Calculator
See the fee, the total repayment, and the effective annual rate on a payday advance.
Debt Consolidation Calculator
Compare your current monthly payments and total interest with one consolidated loan.
Loan Payoff Calculator
Add an extra monthly payment and see the months and interest you save.
Bi-Weekly Payment Calculator
Compare accelerated bi-weekly payments with monthly payments and see what you save.
APR Calculator
Convert a nominal rate to the effective annual rate and see the APR including fees.
Loan Affordability Calculator
Enter a monthly payment, rate, and term to see the maximum principal you could borrow.
Line of Credit vs Loan Calculator
Compare interest-only line-of-credit cost with an amortised instalment loan.
Loan Comparison Calculator
Compare two loan offers side by side on monthly payment, total interest, and total cost.
Debt-to-Income Calculator
Work out your total debt-to-income ratio and the payment headroom you have at a 40% guideline.
Credit Card Payoff Calculator
See how many months it takes to clear a credit-card balance and the interest you pay.
Payday Loan Rollover Calculator
See the fees paid when a payday loan is rolled over, and why the principal never falls.
Compare Canadian loan offers
Free to compare. No obligation.
Last updated: September 16, 2026 · By the Instalment.ca Editorial Team
We research Canadian lending rules and update these pages when the law, the data, or the available offers change. We are not a lender and we do not provide personal financial advice.
Instalment.ca is a loan matching and comparison service, not a lender.
We may earn a commission when you click or apply through our links.
This is general information, not financial, legal, or tax advice.
Rates and terms vary by lender, creditworthiness, and province. Figures shown are examples only.