Loan Calculator by Schwenk is easy to use, intuitive, and free. The application calculates loan payments on cars, homes, refinances, or anything else. You tell it how much, how long, and at what rate, and it will figure out the amortized payment. It's great for comparing different rates, and terms for various loans, and useful for both borrowers and lenders. It's fully functional and free, with no annoying pop-ups or ads. A voluntary $3 fee is requested if you find the program useful.