Free financial calculators

Simple, private tools for everyday money decisions. Work out loan payments, see how savings grow, size a trade or plan a budget in seconds. Nothing you type is stored, and every calculator explains the formula behind the answer.

25 free tools

Savings & investing

See how your money can grow and what you need to reach a goal.

Currency ConverterConvert currencies at the latest rates.Compound InterestSee how savings grow with interest on interest.Savings GoalFind the monthly amount needed to hit a target.Investment Return (ROI & CAGR)Measure how an investment really performed.RetirementCheck whether you are on track to retire.How Long Will My Money Last?See how long your savings last with regular withdrawals.InflationSee what your money will be worth in future.Dividend YieldWork out the income a stock pays you.

Loans & banking

Know the real cost of borrowing before you sign.

Loan PaymentMonthly payment, total interest and schedule.MortgageEstimate home loan payments and total cost.Car LoanCompare car finance offers side by side.Credit Card PayoffFind how long it takes to clear a card balance.Debt Snowball vs AvalanchePlan the fastest, cheapest way out of debt.CD / Fixed DepositSee the interest a CD or fixed deposit earns.

Trading & crypto

Size positions and manage risk before you place a trade.

Forex Pip ValueFind what one pip is worth for any pair.Position SizeSet lot size from your account and risk.Margin & LeverageSee the margin a trade needs at your leverage.Risk-Reward RatioCompare potential gain with potential loss.Crypto ProfitEstimate gains or losses including fees.Dollar-Cost AveragingFind your average cost from regular buys.

Personal finance

Everyday tools for budgeting and planning.

Budget Planner (50/30/20)Split your income into needs, wants and savings.Emergency FundWork out how big your safety net should be.Net WorthAdd up what you own minus what you owe.Salary vs InflationCheck whether your pay has kept up with rising prices.Salary ConverterConvert hourly pay to yearly, monthly and more.

About our calculators

Every MoneysGuide calculator runs in your browser, so the numbers you enter never leave your device. Each tool shows the formula it uses and a worked example, so you can check the maths yourself rather than trusting a black box.

Results are estimates for education and planning. Real-world figures can differ because of fees, taxes, changing rates and rounding, so confirm important decisions with your bank, lender or a qualified adviser.

How to use our financial calculators

Our financial calculators turn everyday money questions into clear numbers. Pick a tool, enter your own figures, and the results update instantly, along with a chart or table you can explore.

Free financial calculators for loans, savings, forex and crypto
Every MoneysGuide calculator is free, private and explains the formula it uses.

Which calculator do you need?

Tips for accurate results

  1. Use your real numbers. Check your statement or loan agreement for the exact balance and rate.
  2. Try a few scenarios. Change the rate or the term to see the best and worst cases.
  3. Remember what’s not included. Taxes, some fees and changing rates can make real results differ.

Learn the maths behind the tools

Each calculator links to a guide with worked examples, such as how loan payments are calculated, how mortgage amortization works and how much 1 pip in gold is worth.

Our financial calculators are for education and planning. For big decisions, confirm the figures with your lender, bank or a qualified adviser.