Financial Calculators — Twelve Free Tools, Explained in Plain Language

Private by design Every calculation runs in your browser. Nothing you type leaves your device unless you ask for an explanation — and then only the figures go, never your name.

Explained, not just computed Each field carries a hint, each result an interpretation. Ask "explain my numbers" and an adviser walks you through what the figure means.

Standard, checked maths The same amortization and time-value formulas a lender uses, covered by an independent test suite rather than trusted on sight.

Borrowing and Buying

Before you sign anything, know what the repayment really costs and whether it fits.

Mortgage Calculator What would this house actually cost me each month? Monthly payment, the balance falling year by year, and what an extra repayment would save. Open calculator Loan Affordability How much can I sensibly borrow? Works backwards from your income and existing commitments to a ceiling a lender would recognise. Open calculator Home Buying Readiness Am I ready to buy yet? Scores deposit, debt load, savings buffer, and stability — and shows which one is holding you back. Open calculator Car Loan and Running Costs What does this car cost me over five years? The loan payment plus insurance, fuel, and maintenance — the number the showroom does not quote. Open calculator Debt Payoff Planner What is the fastest way out of these debts? Compares avalanche against snowball across up to six debts, and shows what an extra payment buys you. Open calculator

Saving and Planning

The long-horizon questions, where starting earlier matters more than getting the rate right.

Savings Goal When will I get there — and what if I saved more? Set the target and the monthly amount; see the date, and what raising it changes. Open calculator Emergency Fund How much cushion do I actually need? Sizes the buffer against your real monthly costs and how steady your income is. Open calculator Retirement Planner Will what I am putting aside be enough? Projects the pot and what it pays out, in today’s money, with a range rather than a false precision. Open calculator Family Growth Planner What does a growing family cost us? Childcare, schooling, space, and the income dip — assumptions you tune to your own reality. Open calculator

Running a Business

The three numbers a lender, an investor, or your own nerves will ask for first.

Business Loan and Coverage Can the business carry this loan? Repayment alongside your debt service coverage ratio — the figure a lender checks before you do. Open calculator Break-Even Point How much must I sell to stop losing money? Units and revenue at break-even, with contribution margin shown so you can see the lever. Open calculator Cash Runway How long does the money last? Months of runway against your burn, and how growth moves the date the cash runs out. Open calculator

What These Tools Do and Don't Do

Every calculator here uses standard, published finance maths — the same formulas behind a lender's quote or an adviser's projection. What none of them can do is quote you. Rates, fees, tax treatment, and eligibility differ by country, by institution, and by your own circumstances.

Treat each result as a well-informed estimate whose real value is the questions it tells you to ask. Where a projection reaches far into the future — retirement, family planning — we show a range rather than a single figure, because a single figure would be a false promise.

Important: This is educational information, not financial advice. Confirm the figures with a qualified adviser or your lender before you commit to anything.

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