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Team Cocco Financial Planning

Loan Analysis Calculator

Compare two loan scenarios side-by-side โ€” see the true cost including opportunity cost

๐Ÿ” Compare Two Loans

Loan A

Loan B

๐Ÿ“ˆ Opportunity Cost Analysis

Expected return on alternative investment
For after-tax comparison

Loan A

Monthly Payment
Total Payments
Total Interest
True Cost (w/ fees)
Payoff Time
Effective Rate (APR)
VS

Loan B

Monthly Payment
Total Payments
Total Interest
True Cost (w/ fees)
Payoff Time
Effective Rate (APR)

๐Ÿ’ก Opportunity Cost Insight

๐Ÿ“Š Balance Comparison Over Time

Key Principle: Every dollar has an opportunity cost. When comparing loans, consider not just the interest saved but what you could earn if you invested the payment difference elsewhere. The lowest payment isn't always the best choice โ€” and the lowest total interest isn't either.