Loans & Debt
Student Loan calculator
Plan repayment, total interest, and time to debt-free.
Your inputs
$
%
$
Results
Monthly payment
$397.42
Debt-free in
10y 0m
Total interest
$12,690
Total paid
$47,690
Interest saved vs. minimum
$0
Breakdown
Total: $47,690
Total cost split
0%25%50%75%100%
- Principal$35,00073.4%
- Interest$12,69026.6%
AI Insight
Personalized analysis from your numbers
Tap Generate for an AI-written breakdown of what your numbers mean, plus tailored next steps.
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About this calculator
What the Student Loan calculator does
Student Loan Calculator helps you plan repayment, total interest, and time to debt-free. It runs entirely in your browser — your inputs are never sent to a server.
How to use it
- Enter your details: Loan balance, Interest rate, Repayment term (years), Extra monthly payment.
- Results update instantly as you type — no submit button needed.
- Tap an info icon next to any field for guidance on what to enter.
- Use the Share button to save a permalink that restores your exact inputs.
- Tap Generate on the AI Insight card for a personalized written breakdown.
Tips & context
- Try a few scenarios — adjust one input at a time to see its impact.
- Save useful scenarios to your dashboard for later comparison.
- Pair this with other Loans & Debt calculators for a fuller picture.
FAQ
Frequently asked
Is this calculator free?+
Yes — every CortexCalculator tool is free, requires no signup, and runs locally in your browser.
Is my data private?+
Absolutely. Inputs stay on your device. Only anonymous AI Insight requests (when you tap Generate) leave the page.
How accurate are the results?+
We use standard financial formulas and refresh tax rates annually. Treat outputs as planning estimates, not professional advice.