Money
Compound interest, loans, mortgages and savings goals, with a breakdown of where every figure comes from and a chart of how it evolves.
Saving and investing
7 tools- Compound interest calculator Work out how much your savings will grow with compound interest and regular contributions, and how much of that total came from interest rather than from you.
- How much to save each month Say what you want and when. We work out the monthly amount, and how much of it the return contributes instead of you.
- Rental yield calculator Gross yield is the number in the advert. Net yield, after costs and empty months, is the one you actually get.
- Rule of 72 calculator The mental shortcut everyone knows, next to the exact answer. And how much the shortcut is off by at your rate.
- Simple interest calculator Simple interest always pays on the original capital and never on what you have already earned. Here it sits next to compound, which is where the difference shows.
- CAGR calculator Two figures and a term give the constant rate that would have taken the first to the second. It is the honest way to compare investments of different lengths.
- ROI calculator ROI is a simple division that gets misused constantly: 50% in six months and 50% in ten years give the same figure. So here it comes annualised too.
Loans and mortgages
6 tools- Loan payment calculator Work out the monthly payment on a loan or mortgage and, above all, how much you will end up paying in interest.
- Loan amortisation schedule Every payment broken down. The interesting part is not the total, it is watching how long it takes before you are mostly paying off the debt.
- Early repayment: term or payment One lump sum, two ways to use it. Which saves more interest is not close, but the other one has its reasons.
- How much mortgage can I afford Two things limit you: what you can pay each month and what you have saved. We tell you which one is binding, because that decides what to do about it.
- From nominal rate to APR The nominal rate is what they advertise; the APR is what compares. Here is the real APR, with the arrangement fee spread across the life of the loan.
- Debt-to-income ratio The figure a lender looks at before any other. Not how much you earn, but how much of it is already spoken for.
Other categories
- Home and energy What your appliances cost to run, what standby really adds up to, and how much material a room actually needs.
- Dates and time Days between dates, ages, working days, deadlines and hours worked. Instant results, no sign-up.
- Cars and travel Real fuel economy, what a trip costs, cost per mile and splitting the bill between everyone in the car.
- Sport Running paces, race-time equivalents, splits and training zones. For running with your head as well as your legs.
- Health and body Body mass index, healthy weight, body fat and daily calories, with the formula in plain sight and what each number leaves out.
- Percentages and maths Discounts, increases, proportions, VAT, averages and grades. Everyday maths, properly explained.
- Business and pricing Margin, markup, commission, asset depreciation and what a campaign costs. The sums you do before setting a price.
- Developers Format JSON, encode and decode, convert bases and colours. The things you look up mid-afternoon with the editor open.