Finance calculators

Run the numbers first.

Ten practical tools for personal and business finance. Results are guides only, not quotes, approvals or financial advice.

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What do you want to work out?

Answer the practical questions people ask before choosing a car loan, personal loan, consolidation or refinance.

Estimate car repayments with a deposit, rate, term and an optional balloon capped at 35%.

Estimate repayments, interest and fees for a personal loan amount and term.

Add individual debts and compare your current monthly repayments with one proposed loan.

Compare a current loan with a proposed refinance, including monthly and total savings.

Annualise year-to-date gross earnings using the figures and date on your latest payslip.

Model repayments, equipment decisions, cashflow capacity and property-backed business funding without diluting our core focus.

Estimate business-loan repayments, interest and fees for the amount and term you choose.

Model machinery or equipment finance with a contribution, fees and optional balloon.

Compare equipment rent with the net cash cost of financing and owning the same asset.

See the monthly buffer and indicative debt coverage after adding a proposed business loan.

Calculate commercial-property debt-to-value and estimated equity for business finance.