// multi-utility computation suite · offline · instant · precise
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tool.loan-compare Calculator
Compares two loan offers side-by-side on monthly payment, total interest, and total repayment, showing the break-even point for the lower-rate option. A lower interest rate doesn't always win — it depends on how long the loan is held and what origination fees are charged.
Inputs
P
The total sum borrowed. Even a small reduction here compounds into large interest savings over a 30-year term.
R1
Amount per unit of time or per unit quantity. Check the denominator before interpreting.
R2
Amount per unit of time or per unit quantity. Check the denominator before interpreting.
T
Reference formula or conversion factor shown for context.
Results
option 1 payment/mo
Sample size or count used in the calculation.
option 2 payment/mo
Sample size or count used in the calculation.
option 1 total interest
Cumulative interest paid over the loan term. Paying even a little extra each month toward principal can save tens of thousands.
option 2 total interest
Cumulative interest paid over the loan term. Paying even a little extra each month toward principal can save tens of thousands.
savings choosing option 1
Total money or resources saved compared to the baseline or alternative scenario.