Who We Are
CalcPersonal is built and maintained by Nexus Technologies, an independent publisher of free web-based calculator tools. We build tools that give everyday people access to the same calculations a financial professional would run — instantly, privately, and at no cost.
We have no affiliation with any lender, bank, or financial institution. Our only goal is to help you understand your numbers before you make a decision.
What CalcPersonal Does
CalcPersonal provides 10 free personal loan and debt calculators covering every major borrowing decision:
- Personal loan payment with full amortization breakdown
- Debt consolidation — does a personal loan beat your credit cards?
- Student loan refinance comparison and savings analysis
- HELOC and loan comparison side-by-side
- Early payoff savings, BNPL true cost, affordability, and refinance break-even
Every calculation runs entirely inside your browser. Nothing is ever sent to a server, stored, or shared.
Privacy & Data
We take your privacy seriously. Here is exactly what happens when you use CalcPersonal:
- Your numbers are calculated locally in JavaScript — they never leave your device
- No account, login, or personal information is required
- We only store your dark mode preference in local storage
- Third-party ads (Google AdSense) may use cookies — see our Privacy Policy for details
Important Disclaimer
All results produced by CalcPersonal are estimates for informational and educational purposes only. They do not constitute financial, legal, tax, or investment advice. Always consult a qualified financial advisor before making any financial decision. Nexus Technologies makes no guarantees as to the accuracy, completeness, or suitability of any calculation results for your specific situation.