Free financial calculators
Money decisions,
made obvious.
Twenty fast, private calculators for home loans, debt, savings and property, each one explaining what your numbers mean and what would change them.
Your monthly repayment
$2,275.44
- Total interest
- $459,160
- Paid off
- Oct 2056
30 yrs
- 20 calculators
- 0 sign-ups needed
- 0 inputs stored
- 9 currencies
Home loans & mortgages
Repayments, borrowing power, refinancing and paying it off sooner.
Mortgage calculator
Monthly, fortnightly or weekly repayments with taxes, extras and a full schedule.
Home affordability calculator
Your realistic price range and borrowing power from income, debts and deposit.
Extra repayments calculator
See how much interest and time extra payments or a lump sum save you.
Refinance calculator
Should you switch? Monthly savings, total savings and your break-even point.
LTV / LVR calculator
Your loan-to-value ratio, equity and how far you are from 80%.
Loans & debt
Car loans, personal loans, credit cards and getting debt-free.
Loan calculator
Repayments and total cost for any fixed-rate loan, with a full schedule.
Car loan calculator
Repayments with deposit, trade-in, fees, sales tax and balloon payments.
Personal loan calculator
Repayments plus the real APR once upfront and monthly fees are included.
Loan comparison calculator
Put two loan offers side by side and see which really costs less.
Credit card payoff calculator
How long to clear your card, and what paying a bit more saves.
Debt payoff calculator
Plan your way out of multiple debts and compare snowball with avalanche.
Debt-to-income calculator
Your DTI ratio and how lenders are likely to read it.
Savings & growth
Compound interest, goals, retirement and the cost of inflation.
Compound interest calculator
Watch savings grow with regular deposits, any compounding frequency and inflation.
Savings goal calculator
How much to save each month to hit a target by a date.
Retirement calculator
Will your nest egg last? Project savings and a sustainable income.
Simple interest calculator
Interest on a principal, rate and time, compared with compounding.
Inflation calculator
What money will be worth, or cost, in the future at a given inflation rate.
Property investing
Rental yield, cash flow and whether to rent or buy.
Why CredoCalc
Built to answer the question behind the question
Most calculators stop at a number. Ours tell you what it means and what would change it.
Answers as you type
No Calculate button and no page reloads. Every result, chart and schedule updates instantly.
Plain-English insights
We explain what your numbers mean and run the what-ifs for you, like how much an extra $100 saves.
Private by design
Your numbers never leave your device. No accounts, no forms, no lead generation, no selling your data.
Any currency
Switch between dollars, pounds, euros, rupees and more. The terms cover the US, Australia, UK and Canada.
Share, print, export
Send a link with your exact scenario, save a PDF for your broker, or download the schedule as CSV.
Light and green
Pages weigh a few dozen kilobytes. That makes them fast on any phone, and lighter on the planet.
Guides that make the maths make sense
Short, practical explainers written in plain English.
APR vs Interest Rate: What's the Difference?
How APR, comparison rates and APRC fold fees into one figure, with a worked example, and the situations where that single number can mislead you.
Compound Interest and the Rule of 72, Explained
How compounding really works, why frequency and APY matter, how to use the rule of 72, and why fees and inflation compound against you.
Debt Snowball vs Avalanche: Which Pays Off Debt Faster?
A month-by-month comparison of the snowball and avalanche methods on three real-world debts, plus hybrid plans and when consolidation helps.
Debt-to-Income Ratio Explained: What Lenders Look For
Front-end vs back-end DTI, what counts as debt and income, the limits lenders commonly use in the US and abroad, a worked example and how to lower your ratio.
Fixed vs Variable Rate: Which Is Right for You?
How fixed and variable home loans really work, what break costs and ARM caps mean, and how to stress-test your repayments before you choose.
How Mortgage Amortization Works
Why your early repayments are mostly interest, how the split changes over time, and what that means for paying your loan off faster.