🧮 Financial Tools Review

Financial Tools & Calculators

Understand loans, savings, investing and returns by running the numbers yourself. 8 free calculators show their formulas and assumptions, and plain-English guides explain the maths behind them.

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  • Free, no sign-up
  • Formula shown on every tool
  • Runs in your browser
  • Works on mobile
Financial tools

Financial Calculators

Enter your own numbers and see the working. Every rate is one you choose — nothing is pre-filled from a provider — and your figures never leave your browser.

Borrowing What a loan costs per month and in total, before you sign.

EMI Calculator

Find the monthly instalment on a home, car or personal loan before you commit.

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Car Loan Calculator

Price a vehicle loan after the down payment, trade-in and any fees added to the loan, with a year-by-year schedule.

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Saving How interest works, what a goal needs each month, and what inflation takes away.

Compound Interest Calculator

See how a one-off amount grows, and how much the compounding frequency changes the result.

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Simple Interest Calculator

Interest on a fixed principal for a set time, shown next to what compounding would have produced.

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Savings Goal Calculator

Work backwards from a target: how much to set aside each month to reach it by a chosen date.

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Inflation Calculator

What a sum will cost in future at an inflation rate you choose, and what today's money will be worth.

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Investing Projections for regular investing, and what fees do to them.

SIP Calculator

Estimate what a monthly investment could grow to over your chosen period.

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Investment Return Calculator

Project a lump sum plus monthly contributions, and see exactly what an annual fee costs you over the period.

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Financial education

Understand the Maths

Each guide explains a concept, works through an example, and points to the calculator that lets you repeat it with your own figures.

Looking for local terms and rules? See our guides by country for India and Europe.

How this site works

How Our Calculators Work

Standard, published formulas

Each calculator uses a textbook formula — the annuity formula for loans, compound growth for savings and investments — and writes it out on the page.

Your inputs, your assumptions

Every rate, return and inflation figure is one you enter. We do not pre-fill rates from providers or data sources, and the defaults are examples only.

Assumptions stated

Fixed rates, steady returns, when payments are made, how days are counted: each page lists what its result assumes.

Limitations explained

Real products add fees, taxes and changing rates, and real returns are not steady. Each page says where its result will differ from reality, and why.

Worked examples

Every calculator works through its default example by hand, so you can check the arithmetic rather than trust it.

Currency handling

The maths is the same in any currency. A currency selector changes only how amounts are displayed; no exchange rate is ever applied. Nothing you type is sent to our server.

About our guides: the education guides are desk research, built from regulators’ and providers’ published material rather than personal testing, and they say so. Our about page explains the method and its limits, and our disclosure explains how the site is funded: by advertising, with no affiliate or referral links.

Please note: our calculators give estimates based on the figures you enter and standard formulas. They are for general information only and are not financial advice. Always confirm final figures with your bank, lender, broker or a qualified adviser before making a decision.

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