Money tools
Free calculators. No email gate. The maths your bank app keeps to itself.
Calculators
Budgeting & saving
Emergency fund calculator
How many months your household actually needs set aside, and why the answer isn't always six.
Savings goal calculator
Enter a goal and a deadline; see what to save each month and which kind of account or fund fits the timeline.
Envelope budget calculator
Split your monthly take-home across spending envelopes until it all adds up.
Subscription spend auditor
List your recurring subscriptions and see the true monthly and yearly total, the cost per use, and what cancelling the ones you flag would save.
Savings ladder builder
Split a surplus above your easy-access floor into staggered fixed-term rungs, and watch a ladder shrink the reinvestment swing you cannot call.
Investable cash calculator
Take what you already know is going out, and what you would need if your income stopped, off the cash in the account. What survives is the part any investing question is about.
Borrowing & debt
Mortgage payment calculator
The monthly payment, and what the loan really costs once the interest has finished with it.
Debt repayment calculator
See whether snowball or avalanche clears your debts faster, and what each order costs you in interest
Buy now pay later (BNPL) true-cost calculator
See the one number the checkout hides: what all your buy-now-pay-later splits, stacked together, cost you each month, and what a missed payment really costs.
Investing & retirement
Investment growth calculator
Set an amount, a return, and the years you'll leave it alone. Compounding does the rest of the maths.
Financial independence calculator
Your savings rate, your expenses, and the year a salary stops being compulsory.
ETF cost of ownership calculator
Compare two funds on what they cost to own. Add each fund's yearly fee, tracking difference, trading spread and dealing fee, plus an optional regular top-up, and see which is cheaper over the years you plan to hold.
Portfolio rebalancing calculator
See how far your mix has drifted, then buy your way back with new money before you ever think about selling. Includes a per-country sell-tax estimate.
Retirement drawdown calculator
See what a withdrawal rate pays you after tax, how long your pot lasts, and what your guaranteed pension changes.
Currency hedge carry calculator
Work out the invisible cost of currency-hedging a fund: the interest-rate gap baked into the hedge, in percent and in cash, over the years you plan to hold, and whether the hedge quietly pays you instead.
Bond Price Impact Calculator
See what a rate move does to a bond fund, in money rather than percentages, and how long the higher income takes to make it back.
Trading Cost Calculator
Price a year of your own trading: commission, currency conversion, spread and transaction tax, at your own trade count.