eight tools, eight of them built separately for the US, UK, Canada, Australia and India

Finance Calculators

Built separately for each country, because a mortgage in Toronto and a mortgage in Texas are not the same product.

Mortgage Calculator Repayments, taxes, insurance and a full amortisation table. US Paycheck Calculator Gross to net, with the deductions your country actually applies. US Compound Interest Calculator Contributions, frequency and an inflation toggle. US Loan & Auto Loan Calculator Payment, total interest and a refinance comparison. US Credit Card Payoff Calculator The minimum-payment trap, avalanche versus snowball. US Sales Tax Calculator Add or remove tax at the right rate for your region. US Retirement Calculator 401(k), ISA, RRSP, Super or EPF — the right wrapper for your country. US Hourly to Salary Converter Both directions, plus a freelance rate mode with overhead. US

About these tools

Most finance calculators online are one calculator with a currency dropdown. That works until it matters. Canadian mortgages compound semi-annually and American ones compound monthly, which changes the payment on the same headline rate. UK income tax withdraws the personal allowance between £100,000 and £125,140, creating a 60% marginal band that no flat bracket table will show you. Australian HELP repayments are worked out on repayment income, not taxable income.

So these are five separate calculators per tool, with five separate sets of constants and five separate explanations — not one engine with the labels changed. Every page states the tax year it uses and links the source it came from, because a tax calculator with no year on it is worse than no calculator at all.

All of it runs in your browser. Your salary, your mortgage balance and your card debt are never transmitted anywhere, because there is nowhere for them to go: this site makes no external requests at all.

Questions

What people ask

Why five versions of each calculator?

Because the underlying products differ. Compounding frequency, tax bands, national insurance, superannuation, EPF, student loan thresholds, GST and sales tax all work differently in the five countries. One calculator covering all five would have to be wrong in at least four of them.

How current are the tax figures?

Every calculator that uses tax constants shows the tax year it applies to, in the page itself rather than in a footnote, and lists the official source. If the year shown is not the year you need, the figures will not be right for you.

Is my salary or balance sent anywhere?

No. The arithmetic runs in your browser, and this site makes no external requests of any kind — you can confirm that in your browser's network tab. Nothing you type is stored or transmitted.

Are these financial advice?

No. They are arithmetic, shown with its workings so you can check it. A calculator does not know your circumstances, and nothing here is a recommendation to borrow, invest, or do anything else with your money.

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