Money tools

Checking whether your bank got your offset interest right. Working out if a raise actually beat inflation. Deciding if a rental property is worth what it costs. The real decisions, worked from the actual numbers - not financial advice, but not a guess either.

Your next dollar

Where to put extra moneyEmployer match, debt, mortgage or investing, ranked by what each actually returns at your own rates, with the working shown→ Debt payoff plannerSnowball against avalanche on your real debts, or pick a debt-free date and it works backwards to what each one needs→ Pay off mortgage or investBoth paths run month by month over your real term, with the difference in money and the certainty gap stated→ How long will my savings lastThree return scenarios side by side, and the withdrawal rises with inflation the way real costs do→

Mortgage

Loan & mortgage calculatorOffset accounts, extra repayments, interest-only periods - a real month-by-month simulation→ Mortgage refinance calculatorMonthly saving and break-even, plus the total-interest check that catches the term-reset trap→ Amortization calculatorAny loan as a year-by-year schedule - interest, principal, and balance from the real monthly arithmetic→ Is my offset account working?Does the interest on your statement match the daily-balance arithmetic once your offset is counted? Australian loans→ Interest charge checkDid your lender charge the right interest? Four compounding conventions, since the answer differs by country→

Offset accounts, explained honestly

How does an offset account work?Savings or repayment? The full answer, with RBA sources→ Offset vs extra repaymentsIdentical interest math - the difference is access and discipline→

Credit cards

Credit card payoff calculatorHow long to clear the balance and what it costs - minimum vs a fixed payment→ Debt snowball calculatorSnowball vs avalanche across all your debts, month by month→

Loans

Car loan balloon payment calculatorResidual-value loans done properly - common in Australian car finance→ EMI calculatorEquated monthly instalments with amounts in lakh and crore, and what a part-payment saves→

Investing

CAGR calculatorSalary vs inflation, an investment, or a business metric - real annual growth→ NPV & IRR calculatorRental property or any multi-year deal - solved from the actual cash flows, plus XIRR, real estate IRR, IRR/MOIC conversion, and future value→ ROI calculatorTotal and annualized return - the number that makes a 4-year gain comparable to a 1-year one→ Payback period calculatorSimple and discounted payback from the actual yearly cash flows, interpolated within the breakeven year→ Rental yield vs cap rate calculatorGross yield, net yield, and cap rate from one set of numbers - with the difference explained and honest market ranges→ Gold weight & value calculatorTroy ounces, grams and tolas, karat purity, and what a piece is actually worth at today’s spot price→

Retirement & savings

Retirement savings projectorMulti-stage growth, employer match, and the inflation-adjusted real answer→ Savings account calculatorDaily interest accrual, bonus rate periods - how a bank account actually pays, not an investment estimate→ Daily compound interest calculatorInterest compounded every day, and how much that beats monthly→ Simple interest calculatorInterest on the principal only - and where it actually applies→ APY calculatorNominal rate to effective annual yield, so two accounts can be compared honestly→

Pay

Real wage calculatorBackwards or forwards after inflation, the verdict per year - and the exact salary target to keep pace or get ahead→

For general information and education only. This tool shows an illustration based on the figures you enter - it does not know your circumstances, tax position, or appetite for risk, and nothing here is financial, investment, tax, or legal advice. It is not intended to be relied on when making a decision about any particular financial product. Before acting, check the figures against your own documents and consider advice from a licensed financial professional in your country.