// why this exists

About this site

Loan marketing leads with the monthly payment because the monthly payment always looks affordable. The total interest — what the loan actually costs — is buried, every time. On the biggest financial decision most people make, the most important number is the hardest to see.

totalinterestcalc.com exists to invert that. Every tool here puts total interest first, in large red type, next to the amount you borrowed, so the comparison is unavoidable. Then it shows the levers — extra payments, shorter terms, biweekly schedules — that shrink it.

Three commitments:

• No lender ads, no lead forms. We don't sell rate quotes or pass your details to anyone. The site is supported by ordinary display advertising only.
• No data leaves your browser. Calculations run locally in JavaScript. We never see your loan details.
• Shown work. Every formula and rounding rule is documented on the methodology page and verified by automated tests.

Built by Murugan Vellaichamy, maker of a network of free, privacy-respecting calculation tools. Reach me at contactus@totalinterestcalc.com.