About Us
Loan Calc is a free online resource designed to help US consumers make informed financial decisions. Our easy-to-use loan calculators cover personal loans, mortgages, auto loans, and debt payoff planning, with state-specific tax and rate calculations for all 50 US states and Washington DC, providing accurate estimates of monthly payments, total interest costs, and payoff timelines.
Founded with a mission to demystify loan calculations, our tools are built for clarity and accuracy. We do not collect personal data, and all calculations are performed locally in your browser to ensure privacy and security. Our state-specific data is updated regularly to reflect the latest tax rates and lending benchmarks from the US Internal Revenue Service (IRS) and leading financial institutions.
Our team of financial experts and developers regularly updates our calculators to reflect current market trends and lending practices, ensuring you have access to the most reliable financial tools available.
Privacy Policy
At Loan Calc, we take your privacy seriously. We do not collect, store, or share any personal information or financial data you enter into our calculators, including your selected US state and input values. All calculations are processed locally on your device, and no data is transmitted to our servers.
We may use third-party analytics tools to track anonymous usage data (such as page views and calculator usage) to improve our service, but this data does not identify individual users or their geographic location. We do not use cookies to collect personal information.
Our website may contain links to third-party sites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party websites you visit.
We reserve the right to update this privacy policy at any time. Any changes will be posted on this page, and your continued use of our service constitutes acceptance of these changes.
Terms of Use
By using Loan Calc, you agree to these terms of use. Our calculators, including state-specific tax and rate calculations, are provided for informational purposes only and should not be considered financial advice. State tax rates and lending benchmarks are for reference only and may vary by lender, county, or city; always verify with a local financial institution for exact rates.
We make every effort to ensure the accuracy of our calculations and state-specific data, but we do not guarantee the correctness of the results. Factors such as changing interest rates, fees, lending policies, and local tax adjustments may affect actual loan terms.
You may use our calculators for personal, non-commercial use only. Unauthorized reproduction, distribution, or modification of our tools or content, including our state-specific parameter database, is prohibited.
Loan Calc shall not be liable for any damages or losses arising from the use of our calculators or reliance on the results provided. Your use of our service is at your own risk.
✅ Disclaimer: The loan calculator provided on this website is for reference only and does not constitute financial advice, lending recommendations, or a loan offer. Actual interest rates, monthly payments, and approval results are determined solely by the lending institution. State-level rates and taxes represent standard benchmarks only and may vary based on the lender, location, and individual credit profile.
✅ Rate Information: All calculations rely on user-input values and compliant state rate ranges in the United States (not fixed). Displayed APRs comply with the Truth in Lending Act (TILA) and include no hidden fees or additional charges.
✅ Eligible Use: This calculator supports lawful calculations for personal loans, mortgages, auto loans, and debt planning within the United States. It does not endorse or support payday loans, high-cost short-term loans, or predatory lending products.
✅ Privacy Notice: All computations run locally on your device. This website does not collect, store, or share personal identifiable information or financial entries. You maintain full responsibility for protecting your private data.