Finance
Most money decisions come down to comparing cash flows over time: what you pay now, what you owe later, and what your money could earn in between. The finance calculators cover both sides of that comparison — borrowing and repayment, and saving, investing and take-home pay.
Each tool isolates one decision, so you can change a single input such as the rate, term, contribution or tax rate and watch how the numbers respond.
Browse finance calculators
Borrowing & repayment
Investing & retirement
Pay & income
Prices, inflation & tax
Which finance calculator do you need?
Start from the decision you are trying to make rather than from the tool name.
Estimate the monthly cost of a home purchase and see how much interest the loan costs over its full term.
Work out the payment on a personal or vehicle loan for a fixed rate and term, or compare a lease-style purchase against a standard loan.
See how each fixed payment is split between interest and principal, and how much of the loan is left at any point.
Project what a lump sum or regular contributions could grow to, and what a retirement pot might support later.
Translate an annual salary into an hourly figure, or estimate take-home pay after withholding and deductions.
See how inflation erodes purchasing power over time, add sales tax to a price, or estimate income tax from a bracket schedule you provide.
Fixed payments, amortization and total cost
A fixed-rate loan is built from three inputs: principal, rate per period and number of payments. The equal-payment formula spreads the same amount across every period, but the split behind that payment changes — early payments are mostly interest, later payments are mostly principal.
Total cost is where terms separate. Stretching a loan lowers the monthly payment but usually raises the total interest, so it helps to compare the monthly figure and the lifetime cost side by side instead of looking at only one.
Compounding, inflation and real returns
Compound growth depends on the rate, how often it is applied, and how long the money stays invested. Moving money earlier has a larger effect than the same total contributed later, which is why contribution timing matters as much as the contribution amount.
Inflation works in the opposite direction: it discounts future money back to today's purchasing power. Comparing a nominal return with inflation gives the real return, which is the number that reflects what you can actually buy.
Before you rely on the numbers
- Results are illustrative projections based on the inputs and formulas you provide — not offers, quotes or guarantees from a lender or adviser.
- Fees, insurance, taxes and rate changes are generally outside the calculation unless the tool explicitly asks for them.
- Tax-related tools apply the brackets and rates you enter; check the current rules for your jurisdiction before acting on the result.