What kind of noise is it?

Listen properly for ten seconds before opening anything. The character of the sound narrows the cause faster than any software tool.

What each kind of fan noise means Whoosh means the fan is working normally, rattle means an obstruction, grinding means a failing bearing, and a high-pitched whine is usually coil whine rather than a fan. Smooth whoosh, rises and falls with what you're doing Working correctly. The fan is removing heat, which is its entire job. Look at what's generating the heat. Rattle, buzz, or a sound that changes if you tilt the machine Something is touching the blades, or a screw has loosened. Usually a cable, a dust clump, or a sticker. Grinding, clicking, or a scraping cycle The bearing is failing. It will get worse and then stop, and a stopped fan means overheating. Replace it. A high-pitched electrical whine that ignores fan speed Not a fan at all — this is coil whine from power components. Usually harmless. See the last section.
The first two are common and cheap to fix. The third is a real repair. The fourth is frequently misdiagnosed as a fan problem and leads people to replace parts that were never faulty.

Loud at idle, or loud under load?

The second question, and it splits the problem cleanly. Leave the machine alone for five minutes with nothing running, and listen.

If something is keeping the processor busy

Before touching hardware, find out whether the fan is responding to real work. Open Task Manager (Ctrl + Shift + Esc) on Windows or Activity Monitor on macOS and sort by CPU.

If the machine is also sluggish rather than just noisy, our slow computer guide covers how to find which resource is saturated.

Dust — the most common physical cause

Fans push air through a heatsink: a dense block of thin metal fins. Over a few years those fins fill with a compacted felt of dust and hair, air stops flowing, temperatures rise, and the fan spins faster to compensate. The machine gets louder every year and nobody notices the gradual slope.

Desktop: power off, unplug, open the side panel, and look. If you can't see daylight through the heatsink fins, that's your answer. Use compressed air in short bursts, from the outside of the fins pushing dust outward, and hold each fan still with a finger while you do it — spinning a fan with compressed air can generate voltage back through it and damage components. Don't forget the power supply intake and the case filters.

Laptop: compressed air through the vents helps but is far less effective, because the dust mat sits against the exhaust fins where you can't reach it. Opening the bottom panel and clearing the heatsink directly is dramatically better if you're comfortable doing it, and cheap at a repair shop if you're not.

Two things to avoid: a vacuum cleaner, which generates static, and cleaning while the machine is plugged in.

When the fan itself is failing

Fan bearings wear out. The progression is predictable: quiet, then a faint tick, then a rattle, then a grind, then silence — and silence is the dangerous stage, because the machine will overheat and shut down without warning.

How to confirm:

Case and CPU fans are inexpensive and straightforward to replace on a desktop. On a laptop it's a specific part for your model, and worth having a shop do unless you're confident with the disassembly.

Laptop specifics

Making a healthy machine quieter

If temperatures are fine and nothing is faulty, you can still reduce the noise:

When loud actually means trouble

Most loud fans are a nuisance rather than a warning. Take it seriously if:

About that high-pitched whine

If there's a thin electrical squeal that changes with what's on screen rather than with fan speed — often worst in menus or during loading screens — that's coil whine, produced by electrical components vibrating at high frequency. It comes from the graphics card or power supply, not a fan.

It is generally harmless and not a sign of failure. Capping frame rate often reduces it. It is not fixed by cleaning, replacing fans, or reinstalling anything — which is worth knowing before you spend a weekend on it.

The short version

Listen first: smooth whoosh means it's working, rattle means something is touching the blades, grinding means the bearing is dying, and an electrical whine isn't the fan. Then check whether it's loud at idle — if so, look for a process eating the CPU before you open anything. If the machine is more than two or three years old and has never been cleaned, dust is the most likely answer, and it's free to fix.