16 free personal finance calculators, no sign-up
Money decisions, worked out to the cent.
CentExact is a set of free, accurate personal finance calculators for loans, mortgages, savings, retirement, pay and tax, each with a worked example and a full breakdown of the result.
- Published formulas
- Tested against lender figures
- Sources cited with dates
16 calculators
Every money decision, worked out properly
Borrowing, saving, pay and tax, selling online. Each result comes with the formula, a worked example and the full schedule you can download.
Why CentExact
Numbers you can check, not just trust
The lender's formula, not a black box
Every calculator implements the published finance formula and shows it under the result, with a worked example using your own numbers.
16 calculators
Rounded the way your bank rounds
Amortisation schedules round to the cent each period and always add up. Where our totals differ from a spreadsheet formula, we show both.
260 pinned tests
One link holds the whole scenario
Your inputs live in the page address. Bookmark a result, send it to a partner or adviser, and it opens exactly as you left it.
No account
Tax tables with sources and dates
Income tax bands, National Insurance, Social Security limits, CPI and marketplace fee schedules carry the official source, the date they took effect and a freshness check.
IRS · HMRC · ECB · BLS