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AiTechWorlds
AiTechWorlds
Compare up to three loan offers on total cost and effective APR, project investment growth with fees, inflation and a simulated range of outcomes, and solve savings goals and CAGR.
Compare up to three loan offers on true cost, project investments with a range of outcomes, and work out what a goal needs.
Add the headline rate and every fee: lenders differ most in the fees.
Highlighted row is the cheapest overall.
| Offer | Monthly payment | Interest | Fees | Total cost | Effective APR | Paid off in |
|---|---|---|---|---|---|---|
| Bank A | $2,100 | $26,011 | $1,000 | $27,011 | 10.40% | 60 mo |
| Bank B | $2,064 | $23,823 | $2,800 | $26,623 | 10.44% | 60 mo |
| Online lender | $2,189 | $30,455 | $900 | $31,355 | 11.90% | 60 mo |
Bank B is cheapest overall: $26,623 in interest and fees, $4,731 less than Online lender.
Estimates only. Investment values can fall as well as rise, and the range shown depends entirely on the volatility you enter. Loan figures assume a fixed rate and on-time payments. This is not financial advice.
Includes charts, every number, formulas and assumptions. Built in your browser, nothing is uploaded.
The Loan & Investment Lab compares up to three loan offers side by side on monthly payment, total interest, fees, total cost and effective APR, so a low headline rate with heavy fees cannot hide. For investing it projects growth with monthly contributions, dividends, fees and inflation, shows a simulated range of outcomes instead of one certain number, and solves savings goals and CAGR. It does not depend on your business profile.
Compare loans
Enter amount, rate, term and every fee for up to three offers. The cheapest total cost is highlighted.
Project an investment
Enter what you start with, monthly contribution, expected return, fees, inflation and volatility.
Read the range
See cautious, base and optimistic results at 5, 10, 20 and 30 years plus the simulated 10th to 90th percentile band.
Solve a goal
Find the monthly saving needed for a target, or the CAGR between two values.
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Last reviewed on September 24, 2026 by the AiTechWorlds Tools Team. All processing runs locally in your browser.