Free finance tools
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Understand a loan, plan your savings or explore an investment assumption. Choose the question that matches what you need. Your calculations stay in your browser.
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Loans
Understand borrowing costs
Extra-payment calculator
See how paying extra on an existing loan could reduce interest and help you finish repaying sooner.
Loan payment calculator
Work out a monthly payment from a loan amount, interest rate and repayment term, with a full payment table.
Compare loan offers
Compare two loans for the same borrowed amount, including upfront fees and the debt left at a shared comparison month.
Refinance break-even calculator
Compare keeping your loan with refinancing, including upfront costs, payments and remaining debt over the same period.
Savings
Plan your savings
Savings growth calculator
Project a starting amount and regular additions under an assumed yearly return. Separate your own money from growth.
Savings-goal calculator
Find the monthly saving needed by a deadline, or how long a monthly saving amount could take to reach your target.
Compare savings accounts
Compare two user-entered savings rates and monthly fees with the same starting savings, additions and time period.
Purchasing-power calculator
Explore how an assumed inflation rate changes buying power and the future amount needed to buy the same things.
Investing
Explore investment possibilities
Investment-fee calculator
Compare percentage and fixed fees under the same gross return, contributions and horizon, including their effect on future growth.
Invest now or gradually
Compare investing available capital now with investing it in equal monthly portions, including money still held in cash.
Step-up SIP calculator
Project a step-up Systematic Investment Plan with yearly increases, and compare it with keeping your monthly contribution unchanged.
SWP withdrawal calculator
Project regular mutual-fund withdrawals, the money remaining and any withdrawal shortfall under an assumed return.