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United States Loans Calculators

Free, localized loans planning tools updated for the 2026 financial year in United States.

US borrowing in 2026 is a story of two federal deadlines. SAVE plan borrowers were moved into a 90-day decision window from 1 July 2026: the Repayment Assistance Plan charges 1-10% of AGI by income band with a $50-per-dependent offset and $10 floor, and the calculator sets it against legacy IBR and Standard 10-Year so the auto-enrolment default never ambushes you. Veterans behind on VA mortgages get the partial claim estimator, the program that parks arrears (up to 25-30% of balance) as a 0% lien instead of repricing the whole loan.

Available calculators

Calculator

VA Partial Claim Estimator

Estimate how much the VA can advance to cure your delinquent VA-backed mortgage arrears under the new Partial Claim Program (0% interest, repaid at sale).

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Student Loan SAVE Transition & Payment Shock Calculator (2026)

Calculate your monthly payment shock, new 10% IDR / RAP payments, and PSLF eligibility following the March 2026 SAVE termination.

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Government-Sourced DataAll calculators built from official regulatory sources by Galvin Mendonca, Finance Researcher
All figures from primary government sources. Last updated July 2026.

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