Finance Tools

Calculators for borrowing, saving and earning

Financial decisions hinge on a handful of numbers - an interest rate, a term, a contribution, a tax band - but those numbers interact in ways that are hard to do in your head. This category groups calculators that model the most common money questions so you can see the trade-offs clearly. Everything runs in the browser, with no account and nothing sent to a server, which makes it safe to test private figures like a salary or a loan balance.

Borrowing: mortgages and loans

The mortgage calculator turns a property price, deposit, interest rate and term into a monthly payment and total cost over the life of the loan. For other borrowing, the loan EMI calculator works out the equal monthly instalment for a car loan, personal loan or any fixed-rate debt, and shows how much of each payment is interest versus principal. The inflation calculator helps you see how the value of those fixed payments, or any sum of money, changes over time.

Saving and investing

The compound interest calculator projects how a balance grows when returns are reinvested, including regular contributions, and the investment return calculator works the other way to estimate the annualised return on money already invested. For the long horizon, the retirement calculator models how savings and contributions might accumulate by a target retirement age.

Earning, budgeting and net worth

To understand income, the paycheck calculator estimates take-home pay after deductions, the tax bracket calculator shows how marginal bands apply to an income, and the salary to hourly converter translates an annual salary into an hourly figure. Freelancers can use the freelance hourly rate calculator to back out a sustainable rate from target earnings and billable hours. To see the whole picture, the budget planner balances income against expenses, and the net worth calculator nets assets against liabilities.

Estimates, not financial advice

These calculators are educational estimate tools. They use standard formulas and the assumptions you enter, and they do not account for every fee, tax rule, regional variation, market change or personal circumstance. Results are illustrative and should not be treated as financial, tax, investment or legal advice. For decisions that matter - taking on a mortgage, planning retirement, structuring tax - confirm the numbers with a qualified professional and your own lender or tax authority before acting.

How to get useful numbers out of them

• Use realistic rates - a small change in interest or return rate has a large effect over a long term, so model a high and a low case.
• Be consistent with periods - keep annual rates with annual contributions, or convert everything to monthly, but do not mix the two.
• Include contributions where they apply - regular saving often matters more than the headline rate for long-horizon goals.
• Account for tax separately - investment and salary results are usually pre-tax unless the tool states otherwise.
• Compare scenarios, not single answers - the value of these tools is in seeing how the outcome shifts when one input changes.

Why browser-based finance tools

Salary, savings and loan figures are sensitive, so it matters that none of them leave your device. Every calculation here happens in JavaScript as you type, with no server round-trip, no stored history and no sign-up. The pages keep working offline once loaded, and you can re-run as many scenarios as you like at no cost.