Home & mortgage
9 calculators
Mortgage payments, the full monthly cost of owning, and buying set against renting.
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Free personal finance calculators
53 calculators for buying a home, borrowing, saving and investing, retirement, pay and tax, business and selling, and everyday sums. Each one shows its formula, a worked example and the sources behind every figure, and is tested against lender, spreadsheet and official numbers before it is published.
Inside the numbers
A mortgage, over time
Monthly principal & interest
$1,896.20
Annual payments · USD
Year 1
- Principal$3,353.12
- Interest$19,401.28
A starting point for your next decision
Choose an area, or go straight to a calculator.
Borrowing
8 calculators
Loans, cards and car finance: the payment, the true interest cost and the payoff date.
Saving & investing
9 calculators
Growth and goals, in today's money as well as tomorrow's.
Retirement
3 calculators
What your savings could grow to by the time you stop work, and the income they might pay.
Pay & tax
9 calculators
What you actually take home after tax, in any pay period.
Business & selling
9 calculators
Margins and marketplace fees, so you know the profit before you set a price.
Everyday money
6 calculators
Exchange rates, and what inflation has done to the price of things.
The full directory
Every calculator, group by group, with what each one works out and the countries it covers.
All 53 calculatorsNumbers you can check
How results are checkedSee how the result is calculated
Each calculator includes its method and a worked example. Use the breakdown to check the assumptions behind your result.
Check the payment schedule
Amortisation schedules round each payment period and settle the final balance. Your lender's interest and rounding conventions may produce different figures.
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 with the same inputs.
Data with sources and dates
Tax bands, inflation data and marketplace fees carry their official sources, effective dates and freshness checks. You can see which rules a result uses.