Free tools
Crunch the numbers
Free calculators for buying a home, paying off debt, saving and investing, plus a test of your money knowledge. Every result is explained in plain English. No signup. No paywalls.
Home and property
Buying a home, paying off a mortgage, or letting a property: what it costs and what it earns.
Mortgage Calculator
Estimate your monthly payment + amortization schedule.
Plug in price, down payment, rate, and term — see your monthly payment, total interest paid, and a year-by-year breakdown.
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Buy-to-Let Calculator (UK)
Cash flow after tax, yield and stamp duty for UK landlords.
See what a UK buy-to-let would leave you each month after mortgage, costs and tax, whether a lender would lend, and how owning it yourself compares with a limited company.
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Home Affordability Calculator
How much house your income and debts can carry.
Enter your income, debts and down payment to see a comfortable home price under the 28/36 guideline, a stretch price near lenders’ limits, and the full monthly payment for each.
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Debt and loans
What borrowing really costs, and the fastest way to pay it off.
Saving
How savings grow with interest, and how much to put aside for a goal.
Compound Interest Calculator
See how your savings grow with interest on interest.
Enter a starting amount, monthly deposits and an interest rate to see your balance grow year by year, and how much more compounding earns than simple interest.
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Emergency Fund Calculator
How big a safety net, and how long to build it.
Set a target of 3, 6 or any number of months of essential costs, then see how long it takes to reach from what you have now and what you can save each month.
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Inflation Calculator
What money from the past is worth today, and back then.
Pick an amount and two months since 1913 to see what it’s worth in the other month’s dollars, how much prices rose in between, and the buying power lost.
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Investing
Stocks, funds, dividends and crypto: what an investment could grow to, and what it costs you.
Index Investing Calculator
Project long-term portfolio growth.
Model an initial investment plus monthly contributions against historical index returns to see what compound growth could deliver.
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Dividend Calculator
See what dividend investing could pay you.
Model monthly investing in dividend stocks or funds, with dividend growth and reinvesting, and see the yearly income it could build.
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Expense Ratio Calculator
See what fund fees cost you over time.
Compare two funds with different expense ratios and see how much the higher fee costs you: the fees themselves plus the growth they would have earned.
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Dividend Discount Model (DDM) Calculator
What is a dividend stock worth, from its dividends?
Enter a dividend, its expected growth and the return you want to estimate what one share is worth, see how sensitive that is to your guesses, and check what today’s price assumes.
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Cryptocurrency Converter
Live prices, plus how much each coin swings.
Convert between 20 major cryptocurrencies and 10 everyday currencies at live prices, and see how far each coin’s price has moved over the past year.
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Retirement
How much you need to retire, and how pensions and retirement accounts get you there.
Budgeting and income
Where your money goes each month, and what your pay really works out to.
Test your knowledge
Check how well you know the ideas behind everyday money decisions.
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