Finance
The Finance calculators turn the four core money questions — borrowing, saving, taxing and discounting — into transparent numbers. See the exact monthly payment and total interest on a loan or mortgage, watch compound interest and regular savings grow over time, add or remove VAT cleanly, and work out the real price after a discount.
Every result comes with its formula and a worked example, so you can compare offers and verify the math yourself instead of trusting a lender’s “from” rate.
Frequently asked questions
How is a monthly loan payment calculated?
With the amortization formula M = P × r × (1+r)ⁿ ÷ ((1+r)ⁿ − 1), where P is principal, r is the monthly rate and n is the number of payments. The Loan Calculator applies it and shows total interest.
What is the difference between APR and interest rate?
The interest rate is the cost of borrowing the principal; APR includes fees and other charges, so it is the truer cost of a loan. Always compare loans on APR, not the headline rate.
How does compound interest work?
Each period, interest is added to the balance and then earns interest itself. The Compound Interest Calculator shows how frequency (monthly vs annual compounding) and time change the final amount dramatically.
How do I add or remove VAT from a price?
To add VAT: price × (1 + rate ÷ 100). To remove VAT from a gross price: price ÷ (1 + rate ÷ 100). The VAT Calculator does both and shows the tax amount separately.
How do I calculate the final price after a discount?
Multiply the original price by (1 − discount ÷ 100). The Discount Calculator also shows the amount you save and supports stacked discounts.