Debt Calculators

Amortisation Schedule Calculator

See how a standard amortising loan splits between principal and interest in year 1. Enter loan amount, annual rate, and term to see monthly payment too.

Annual Cost of Credit Calculator

Calculate total annual interest cost across all your debt balances and rates. Enter credit card balance and credit card APR to size total interest cost.

APR vs Flat Rate Comparison Calculator

Convert a flat rate loan quote into an estimated APR equivalent. See the approximate APR alongside the quoted flat rate, monthly payment, and total cost.

Auto Loan Comparison Calculator

Compare two auto loan offers side by side on monthly payment and lifetime interest paid — find the cheaper option at your loan size and term.

Auto Loan Lifetime Cost Calculator

Calculate total lifetime auto-loan cost across several cars and loan terms. Enter typical loan amount to see total principal + interest across the vehicles.

Auto Loan Payoff Calculator

Calculate auto loan payoff timeline with optional extra payments. See interest saved and total paid to map your payoff timeline.

Auto Loan Refinance Calculator

Estimate total savings from refinancing an auto loan at a lower rate. See old and new monthly payments, monthly savings, and savings as % of balance.

Balance Transfer Savings Calculator

Compare staying on a card vs a balance transfer with a real declining-balance simulation. See net interest saved, payoff months, and fee break-even.

Buy Now Pay Later True Cost Calculator

True cost of a Pay-in-X BNPL purchase including merchant markup and late fees, annualised against the pay-period to show the annualised rate the buyer pays.

Car Loan Calculator

Calculate fixed monthly car loan payment, total interest, and total paid over the term. Enter car price, down payment, annual rate, and term in months.

Credit Card Payoff Calculator

Calculate months to clear a credit card balance at a fixed monthly payment, plus total interest paid. Enter balance, APR, and payment to see the full cost.

Credit Utilization Calculator

Calculate utilization from balance and total credit limit, see which scoring band it falls in, and the gap to the 30% and 10% reference points.

Debt Avalanche Calculator

Estimate avalanche payoff time and total interest. Combined balance at the highest rate. See months, total interest, and first month's interest.

Debt Consolidation Calculator

Compare paying off existing debts vs consolidating into one new loan. See total cost saved or added, monthly payment change, and months difference.

Debt Payoff Calculator

Calculate months to pay off a debt at a fixed monthly payment, plus total interest paid and estimated payoff date. Discrete monthly simulation.

Debt Snowball Calculator

Estimate snowball debt payoff using total balance, average rate, and monthly payment. See months to clear, total interest, and first-debt clearance.

Debt Snowball vs Avalanche Calculator

Compare avalanche vs snowball debt payoff strategies on two debts. See months to clear, total interest, and the difference between the two strategies.

Debt-to-Income Ratio Calculator

Calculate debt-to-income ratio and understand how lenders evaluate loan applications. Compare total monthly debt payments against gross monthly income.

Gold Loan Calculator

Estimate gold loan amount, monthly payment, and total interest from gold value, LTV, rate, and term. Returns standard amortisation in any currency.

Interest-Only Mortgage Trap Calculator

Compare interest-only against repayment mortgage cost on the same balance, rate, and term. Returns the extra cost (trap) plus monthly and total figures.

Islamic Finance EMI Calculator (Murabaha)

Estimate the monthly Murabaha (cost-plus) Islamic-finance payment from asset price, profit rate, and term. Returns monthly amount, total paid, and profit share.

Late Fee Impact Calculator

Estimate the total cost of recurring late-payment fees on credit cards or bills. Returns total over period plus per-year and per-month averages.

Loan Comparison Calculator

Compare two loans side-by-side on lifetime cost. Returns monthly payment, total repaid, and total interest for each, plus the difference between them.

Loan EMI Calculator

Calculate loan EMI from principal, rate, and tenure. Returns monthly payment, total repayment, total interest, and interest as a percentage of principal.

Loan Interest Multiplier

Estimate total interest paid on a fixed-rate loan and the ratio of interest (and total payback) to the original principal. Includes 15-year comparison.

Microfinance Loan Calculator

Estimate microfinance loan weekly payment, total cost, and effective APR including processing fees. Returns the headline cost on short-term small loans.

Minimum Payment Credit Card Trap Calculator

Estimate how long minimum-only credit-card payments take to clear the balance. Returns time to payoff, total paid, total interest, and interest ratio.

Murabaha Calculator

Estimate Murabaha total cost, profit mark-up, monthly payment, and APR-equivalent. Compares stated flat rate to declining-balance APR for like-for-like contrast.

Overdraft Annual Cost Calculator

Estimate annual overdraft cost from average balance, days in overdraft, APR, and account fees. Returns interest, fees, and total annual cost.

Personal Loan Calculator

Calculate the monthly repayment and cumulative interest on a personal loan using standard amortisation, given amount, rate, and term.

Student Loan Calculator

Calculate monthly repayment and cumulative interest on a student loan from outstanding balance, interest rate, and remaining term in years.