Finance Calculators for Loans, Savings and Business
These calculators answer the arithmetic questions that come up around money: what a repayment will actually cost over its full term, what a savings plan reaches by a given date, and what a price needs to be for a margin to hold.
Finance Calculators (31)
Guides for This Topic
The Headline Rate Is Not the Cost
A loan's advertised rate leaves out arrangement fees, insurance requirements, and early repayment penalties. Two loans with identical rates can differ substantially once those are included, which is why comparing total repayment over the full term is more informative than comparing rates. Run both scenarios and look at the final figure rather than the monthly one.
Compounding Rewards Time More Than Amount
In compound growth, the length of time invested usually matters more than the size of each contribution. A smaller amount started earlier frequently overtakes a larger amount started later. The same mechanism works against you on debt, which is why high-interest balances grow faster than the payments feel like they should.
Margin and Markup Are Different Numbers
Markup is calculated on cost; margin is calculated on the selling price. A 50 percent markup produces roughly a 33 percent margin, not 50. Confusing the two is a common and expensive pricing error, so it is worth being explicit about which figure a supplier or spreadsheet actually means before setting prices from it.
Calculators Model, They Do Not Advise
Every result here reflects the assumptions you enter: a fixed rate, no missed payments, no change in circumstances. Real tax treatment, inflation, and product terms vary by country and by provider. Use these figures to compare options and to understand the shape of a decision, then confirm the specifics with the provider or a qualified adviser before committing.