All calculators
Every tool runs privately in your browser — free, instant, and without an account.
Loans
Payments, total interest, prepayment savings and side-by-side loan comparisons.
Mortgages
Home loans, affordability, overpayments and rent-vs-buy decisions.
MortgagesMortgage CalculatorEstimate your mortgage payment, total interest, payoff date and full monthly housing cost — with taxes, insurance and fees kept clearly separate.MortgagesMortgage Affordability CalculatorEstimate a realistic home-price range from your income, debts and down payment — with a rate stress test, and clearly labelled planning assumptions.MortgagesMortgage Overpayment CalculatorSee how recurring or one-time overpayments could cut your mortgage interest and payoff time — under both treatments: shorten the term or reduce the payment.MortgagesReduce Payment vs Reduce Term CalculatorAfter a lump-sum prepayment, should you lower the monthly payment or keep it and finish sooner? Compare both outcomes side by side.MortgagesRent vs Buy CalculatorA serious rent-versus-buy comparison: transaction costs, maintenance, home-price growth, and the investment return on money you don't put into a house.MortgagesMortgage Comparison CalculatorCompare two or three mortgage offers over the horizon that matters to you — including fees, cashback and introductory rates, not just the headline rate.MortgagesDown Payment CalculatorPlan your deposit from either direction: what a given home price requires, or what your available cash supports — with closing costs and an emergency reserve included.MortgagesRefinance CalculatorEstimate whether refinancing recovers its costs: monthly change, true break-even month, and the full-term effect — including the trap of a lower payment from a longer term.
Savings
Savings goals, emergency funds, deposits and effective interest.
SavingsSavings Goal CalculatorWork out how much to save regularly, how long a goal will take, or what your plan will grow to — with inflation and fees handled honestly.SavingsEmergency Fund CalculatorEstimate a practical emergency-savings target from your essential expenses — with transparent adjustments for income stability and dependants.SavingsEmergency Fund Runway CalculatorEstimate how long your savings would last during an income interruption — with temporary income, spending cuts and one-time costs modelled month by month.SavingsCompound Interest CalculatorSee how an initial deposit and regular contributions grow with compound interest — and how much of the result is your money versus interest.SavingsDeposit Maturity CalculatorEstimate the maturity value of a one-time deposit — simple or compound interest, payout or reinvestment, fees and tax handled correctly.SavingsRecurring Deposit CalculatorEstimate the maturity value of regular fixed deposits — the Indian RD, a regular saver, or any scheduled savings plan.SavingsEffective Interest Rate & APY CalculatorConvert nominal rates to APY and back, and compare two deposit offers with compounding, fees and tax — because the advertised rate is not the whole story.SavingsInflation-Adjusted Savings CalculatorSee what your savings will really buy: nominal growth versus purchasing power, and the real return after inflation.SavingsSavings Scenario ComparisonCompare two or three savings plans side by side — different rates, contributions, fees or durations — on the same honest engine.
Salary & Tax
Salary breakdowns, GST/VAT and take-home pay frameworks.
Salary & TaxSalary CalculatorConvert a salary between hourly, daily, weekly, monthly and annual figures using your real working schedule — not a hard-coded 40-hour week.Salary & TaxSalary Breakdown CalculatorSee how gross salary becomes estimated take-home pay: income, pre-tax deductions, tax and post-tax deductions in one honest breakdown.Salary & TaxTake-Home Pay CalculatorA country-safe take-home pay framework: manual tax and deduction inputs today, versioned country tax rules when configured — never guessed.Salary & TaxSalary Comparison CalculatorCompare two or three job offers on what actually reaches you: net pay after tax, benefits, hours, leave and work-related costs.Salary & TaxPay Raise CalculatorSee what a raise is really worth: gross and estimated net increase, monthly impact, and purchasing power after inflation.Salary & TaxHourly to Annual Salary CalculatorTurn an hourly rate into weekly, monthly and annual income — with overtime, unpaid leave and irregular schedules handled properly.Salary & TaxFreelance Rate CalculatorWork out the hourly and daily rate a freelancer needs to match a target income — accounting for billable hours, business costs and a tax provision.Salary & TaxGST/VAT CalculatorAdd or remove GST/VAT, find the tax inside a price, handle discounts and quantities, and compare two rates — with exact reverse calculation.Salary & TaxEmployer Cost CalculatorEstimate the true annual cost of employing someone: salary, contributions, benefits, operating costs and one-time hiring costs.
We are building out the full collection — loans and mortgages first, then investments, savings, retirement, salary and everyday finance. Each calculator ships only after its formulas are documented and tested. See the methodology for how.