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Finance

Loans, savings, interest, investing and tax

4 calculators

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Mortgage Work out a mortgage payment, the total interest and the full amortisation schedule, with extra payments and taxes included. Loan Work out the payment, total interest and real annual rate of a personal or car loan, fees and extra payments included. Compound interest See what an investment grows to with compound interest, with or without regular contributions, at any compounding frequency. Savings Project what your savings will grow to, work out the deposit a goal needs, or find how long that goal will take.

These calculators show what borrowing really costs, how an investment grows and what an extra payment does to a mortgage. Each one shows the result, the full schedule and the assumptions behind it.

Compounding conventions differ between countries and products, so every finance calculator lets you set the compounding frequency instead of hiding it. That single setting explains most of the gap between an online estimate and a lender’s quote.

The results are estimates for information only. They are not an offer of credit, tax advice or a financial plan.

Frequently asked questions

Why is my bank’s number slightly different?

Three things explain almost every difference: the compounding convention, the exact date of the first payment, and fees rolled into the financed amount. Every calculator lists the assumptions it used so you can line them up with your contract.

Which compounding frequency should I choose?

Use what your contract states. Most personal and car loans compound monthly. Canadian mortgages compound semi-annually by law. Many European mortgages quote a nominal annual rate with monthly compounding. The calculators default to the most common convention and let you change it.