Aftergrad Ledger / All tools
Find the right calculator for your next loan question.
Explore 10 student-loan tools. The scheduled-payment estimate, Loan Health Score, and AfterGrad Readiness Score are free; active Premium unlocks specialized calculators and comparisons. Review each tool’s assumptions before using its estimate.
Published calculators
Choose a place to start.
All results are planning estimates. Premium labels identify gated calculators.
Loan readiness
Review a five-factor educational assessment alongside a current scheduled-payment projection.
AfterGrad Readiness Score™
Estimate readiness from debt-to-income, balance-weighted interest rate, payoff timeline, payment strength, and interest burden.
Start the readiness assessment
Payoff planning
Estimate a payoff timeline or compare ways to direct monthly payments across one or more loans.
Student loan payoff calculator
Free: estimate one loan’s payoff timing and interest from its balance, annual rate, and scheduled payment. Active Premium unlocks comparisons.
Open free payoff estimatePremium
Avalanche vs. snowball calculator
Compare payoff order, timing, and interest for multiple loans under one monthly budget.
Compare payoff strategiesPremium
Extra monthly payment calculator
Compare scheduled payments alone with the same payments plus a recurring monthly extra.
Compare monthly payments
Repayment choices
Use a servicer estimate to model income-driven payments, or compare a lump sum with hypothetical investment growth. Neither calculator determines eligibility or an official bill.
Premium
Income-driven repayment scenario estimator
Use a payment estimate from your servicer or an official source to project one loan balance. It does not determine plan eligibility.
Project a payment scenarioPremium
Lump sum vs. investing calculator
Compare estimated interest avoided with hypothetical investment growth while scheduled monthly loan payments continue.
Compare lump sum and investing
Refinancing
Compare a hypothetical private refinance with your current loan on payment, payoff timing, fees, and total cost. Federal benefits and personal circumstances are not modeled.
Student loan refinance calculator guide
Understand what the refinance savings calculator compares, how its estimates are calculated, and what its results leave out.
Read the calculator guidePremium
Refinance savings calculator
Compare estimated payments, payoff time, and interest for a current loan and a hypothetical refinance rate and term.
Compare refinance scenariosPremium
Refinance total cost calculator
Compare remaining current-loan cost, using a payment or remaining term, with a hypothetical refinance rate, term, and one-time fee.
Compare refinance costs
Employer assistance
Estimate how an assumed employer contribution could change one loan’s payoff timing and interest. Confirm plan rules with your employer and loan servicer.
Premium
Employer contribution payoff estimator
Compare estimated payoff timing and interest with your current payment alone and with an expected monthly employer contribution.
Estimate employer contribution impact