Understand the numbers behind your money decisions.
Free calculators and simple guides for loans, savings and investing. Every result shows its formula, so you can check it yourself.
Example
A $200,000 loan at 8.5% over 20 years
Monthly payment
$1,735.65
- Total interest
- $216,555.15
- Total paid
- $416,555.15
Illustrative. Actual lender terms will differ.
Browse by topic
Start with the area you need help with.
- LoansMonthly payments, total interest and loan costs.
- SavingsDeposits, fixed-term accounts and savings rates.
- InvestingCompound growth, regular investing and returns.
- DebtPayoff plans, credit cards and consolidation.
- BudgetingMonthly budgets, savings rate and emergency funds.
- RetirementPension savings, income and early retirement targets.
How it works
- Step 1Enter your numbersType an amount, a rate and a term. Nothing is sent to our servers.
- Step 2Read the resultSee the monthly figure, the totals and a schedule where it applies.
- Step 3Check the assumptionsEach page shows its formula, a worked example and what it leaves out.
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Why you can trust the results
- Published formulasEach calculator uses a formula that is shown on its page.
- Independent checksResults are tested against separate calculations, not only the code that produced them.
- No selling of resultsAdvertising is kept apart from calculations, and the rules are on the disclosures page.
Frequently asked questions
Are the calculators free to use?
Yes. Every calculator is free and needs no account or sign-up.
Does the site store the numbers I enter?
No. Calculations run in your browser, and the figures you enter are not sent to our servers or stored.
Are the results financial advice?
No. They are estimates based on the assumptions shown on each page. Speak to a qualified professional before a financial decision.
Can I change the currency?
Yes. Choose a currency in the header. Your choice is remembered on this device, and you can change it at any time.