True Cost of a Loan Calculator
Compare loans by what they really cost, every fee included.
Loan comparison calculator by Envelo LoanDuel: two loan offers side by side, with every fee counted.
A lower monthly payment is not always the cheaper loan. LoanDuel shows what each offer really costs you – interest plus every fee – the true yearly rate with the fees included, and what changes if you repay early.
$3.26$4.65−30%
Offline calculatorInstant downloadWorks offline
Try it here
A live demo with a made-up example. Nothing you type here is saved or sent anywhere.
What it does
What you can do
- Enter two offers: amount, yearly rate (0% is fine), term in months
- Count every fee: a one-time fee as an amount or a %, paid up front, taken from the loan or added to it, plus a monthly fee
- Add an extra monthly payment and an early repayment fee
- See for each offer the money you receive, the monthly payment, interest, fees, the total you pay, the true cost and the true yearly rate
- Compare over the whole term and if you repay everything after the month you choose
- What if: the rate 1 or 2 points lower or higher, the amount 20% lower or higher, and the rate at which the two offers cost the same
- Full month-by-month schedules, CSV downloads, print a comparison, backup and restore
Example inside
A made-up car loan at 7.49% with a 250 fee against a dealer "0%" offer with a 3.5% fee added to the loan and 5 a month: the dealer offer really costs 2.33% a year – and is still the cheaper one.
How it works
- Download the ZIP from Etsy after checkout.
- Unzip and open Envelo-LoanDuel.html in your web browser. Look at the filled example, then press My numbers.
- Fill in Offer A and Offer B. The comparison updates as you type and saves in your browser.
What you receive
- START-HERE.pdf (0.12 MB)
- Envelo-LoanDuel-v1.0.zip (1.77 MB)
Inside the ZIP:
- Envelo-LoanDuel.html: the app, opens in your browser by double click and works offline, 11 languages
- Envelo-LoanDuel.xlsx: spreadsheet edition with a 10-language switch – both offers, the answer and both full schedules
- Envelo-LoanDuel-Arabic.xlsx: the same spreadsheet in Arabic, right to left
- examples/: the filled example as a backup file
- START-HERE/: the guide in 11 languages
- LICENSES.txt and WHAT_YOU_GET.txt
Good to know
- This is a digital download. Nothing is shipped.
- No subscription and no account. The app runs on your device and uploads nothing.
- LoanDuel compares the numbers you enter. It is not financial, legal or tax advice. Lenders may round or count some fees differently – check the final terms with each lender.
- Your numbers do not sync between devices; move them with the backup file.
- For your own use. Please don't resell or share the files.
- The app, its logo, the texts and the translations were made as code with the help of an AI coding assistant. No AI image generators were used.
A closer look
Buy it on Etsy and download the files straight away.