Whether you're saving, investing, or borrowing — get accurate numbers in seconds and understand exactly what they mean.
Each tool is built for a specific financial question — choose the one that fits your situation.
Calculate interest on the original principal amount only — ideal for short-term loans and deposits.
See how money grows exponentially when interest is earned on both principal and accumulated gains.
Project your savings with an initial lump sum plus regular monthly contributions over time.
Find out the true cost of borrowing — monthly repayments, total interest, and full loan cost.
Built to be fast, honest, and actually useful
Time is the single biggest factor in how much your money grows. Starting earlier — even with a smaller amount — consistently beats starting later with more.
Our calculators show you exactly how this plays out, year by year, so you can see the real cost of waiting.
Yes, completely free. No account, no subscription, no tricks. All four calculators are available to anyone at any time.
The results use standard mathematical formulas and are arithmetically accurate. Real-world figures may differ due to variable rates, fees, tax implications, and payment timing. Always consult a qualified financial adviser before making major decisions.
Use the Loan Interest Calculator — it handles both repayment (capital + interest) and interest-only mortgages and shows your monthly payment, total interest, and full cost over the term.
Compound interest is almost always better for savings — you earn interest on your accumulated interest, not just the original deposit. The longer your time horizon, the bigger the difference. Use our Compound Interest Calculator to see this in action.