💰 Finance
Loan, depreciation, energy and fuel savings calculators
Mortgage calculator, EMI calculator — monthly payment, total interest and amortization schedule.
Open tool →Track income vs. expenses
Open tool →Straight-line and declining balance methods
Open tool →Estimate electricity and gas bills
Open tool →Compare fuel costs between vehicles
Open tool →Compare deals side by side and find the best price per item. Free discount calculator.
Open tool →Compare products by price per unit weight or volume. Find the best value instantly.
Open tool →Convert salary between hourly, weekly, monthly and annual amounts.
Open tool →Calculate compound interest with monthly contributions over time.
Open tool →Estimate income tax using progressive tax brackets.
Open tool →Estimate take-home pay after taxes and deductions.
Open tool →Money calculations where seeing the working matters more than getting a number. Loan repayments, compound growth, salary conversions, running costs, and the everyday arithmetic of whether one price is really better than another.
These are informational tools, not advice. They are useful for understanding the shape of a decision — how much of a payment is interest, what a rate change does over twenty years — and they are not a substitute for the figures your lender, employer or tax authority gives you.
Which tool do I want?
| If you… | Use |
|---|---|
| You want repayments and total interest on a loan | Loan Calculator |
| You are projecting savings or investment growth | Compound Interest Calculator |
| You need to compare an hourly rate to an annual salary | Salary Calculator |
| You are working out take-home pay | Paycheck Calculator |
| Two package sizes and you want the real unit price | Unit Price Calculator |
| You want the running cost of an appliance or server | Energy Cost |
| You are checking what a discount actually saves | Discount Comparison |
| You are planning monthly spending | Budget Planner |
Compounding frequency changes the answer more than people expect
A "5% annual rate" is not one number. Compounded once a year it returns exactly 5%. Compounded monthly the effective rate is 5.12%; daily, 5.13%. Small differences — until you run them over decades, where they separate meaningfully.
This is why regulators require lenders to quote an effective annual rate alongside the nominal one. The nominal rate tells you what gets applied per period; the effective rate tells you what actually happens over a year, and only the second is comparable between products.
Worth knowing in the other direction too: on a long mortgage, the early payments are overwhelmingly interest, because interest is charged on the balance and the balance has barely moved. That is also why overpaying early is far more effective than overpaying late — every extra unit removes a balance that would otherwise have accrued interest for the entire remaining term.