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Eleven tools

Financial calculators that make decisions easier.

Not widgets that produce a number and leave you to trust it. Each one shows its formula, states what it assumes, and admits what it leaves out — so you can see how much of the answer is arithmetic and how much is assumption.

The formula is on the page

Every tool prints the equation it runs and the convention it follows, so you can check our arithmetic against your bank's.

Nothing is transmitted

The maths happens in your browser. Salaries, loan balances and rent figures never reach a server of ours.

Assumptions are labelled

Where a result depends on an assumed return, we say so, hand you the dial, and never dress a projection up as a promise.

01

Borrowing

Before you sign anything, find out what the loan costs over its whole life — and what happens if you pay some of it back early.

2 tools

02

Investing

See what regular investing does over ten, fifteen, twenty years. The gap between saving and investing shows up slowly, then all at once.

2 tools

A calculator answers one question. A plan decides which questions matter.

Knowing your EMI is useful. Knowing whether that EMI belongs in your life, alongside the cover you need and the retirement you have not started, is a different problem — and the one worth solving first.

Read: the order to fix things in

Next step

Have the numbers. Now build the plan.

Bring whatever the calculators told you. We will tell you what it means in the context of everything else you are trying to do with your money.