everyday money

Finance calculators

Everyday money maths — currency, compound interest, mortgages, loans, VAT, tips, salary and inflation.
18
calculators
live
FX rates
free
no signup
Page 1 — everyday money
Currency converter
Live mid-market rates for 27 currencies — the honest benchmark.
Compound interest calculator
Watch a lump sum plus monthly deposits grow at any rate.
Mortgage calculator
Monthly cost, total interest, LTV and the first five years.
Loan repayment calculator
Any loan's monthly cost, total interest and payoff date.
VAT calculator
Add VAT to a net price or extract it from a gross one.
Tip calculator
Tip, grand total and the fair per-person split.
ROI calculator
Total return, CAGR and how it stacks against the index.
Take-home pay calculator
Approximate net pay after tax and social contributions.
Inflation calculator
What an amount in one year is worth in another.
finance — page 2: crypto & planning
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The money maths you meet weekly

Page one covers the calculations everyday life keeps asking for: what a foreign price costs in your currency, what a mortgage or loan really costs per month and in total interest, what VAT adds or hides, and what your salary becomes after tax. Each uses the standard formula a bank or accountant would.

Live rates where it matters

The currency converter pulls live mid-market reference rates from the European Central Bank via the Frankfurter API — the honest benchmark before card fees and spreads. Everything else on the page is pure, transparent arithmetic with the working shown.

Interest, both directions

Compound interest works for you in savings and against you in debt, and the same mathematics runs both. The compound interest, mortgage and loan calculators share one engine — payment formulas from amortisation maths — so their answers reconcile with each other and with your bank's quote.

Approximations, labelled

Take-home pay uses simplified progressive brackets for six countries — close enough for salary comparisons and offers, clearly labelled as approximate since allowances, local taxes and personal circumstances shift the exact figure. Inflation projections likewise use the rate you choose rather than pretending to know the future.