Finance Calculator

Generate a full month-by-month amortisation schedule for any mortgage or loan, with principal, interest and running balance.

Estimate the level or escalating annuity income a UK pension pot buys today — single life, joint life and guaranteed periods.

Translate between APR (borrowing), AER (savings) and flat rates so you can compare products on a like-for-like basis.

Work out monthly repayments on a Brazilian vehicle loan (CDC) with down-payment, term and effective CET.

Estimate Brazilian personal income tax (IRPF) using the progressive table and simplified discount, with dependants factored in.

Calculate the cost of a Brazilian cheque-especial overdraft under the 8% monthly cap set by the Banco Central. Shows daily accruals and IOF.

Work out Brazilian consignado (payroll loan) instalments with the INSS/federal rate caps, including 35% payroll-margin check.

Estimate instalments and total cost of a Brazilian personal loan (Price or SAC system) with IOF included.

Model a UK buy-to-let including stamp duty surcharge, mortgage, rental income, running costs and cash-on-cash return.

Estimate CGT on shares, funds or other chargeable assets using the annual exempt amount and the correct rate band for your income — residential property uses different rates than other assets.

Compare Hire Purchase (HP) and Personal Contract Purchase (PCP) payments, balloon and total cost.

Brazilian CDI-indexed investments — apply percentage-of-CDI (e.g. 110% CDI) returns and net-of-IR tax.

Work out UK Child Benefit and the High-Income Child Benefit Charge taper between £60,000 and £80,000 adjusted net income.

Estimate your yearly Council Tax bill from your property band and local council rates.

Compare avalanche vs snowball strategies for paying off multiple debts, with total interest paid and time-to-zero for each.

Work out income tax on dividends above the Dividend Allowance at basic, higher and additional rates — including typical director/shareholder scenarios for UK limited companies.

Work out the dividend yield of a Brazilian stock or FII using annual dividends divided by share price, plus the yield on cost.

Estimate your defined benefit (final salary) pension — annual income from your accrual rate, years of service and final salary, plus the commutation trade-off for a tax-free lump sum.

Compare CDB, LCI, LCA, Tesouro and poupança side by side with the same amount, period and the correct regressive IR table.

See the guaranteed income a fixed term annuity could pay from your pension pot — chosen term, annuity rate and the maturity value left at the end, all worked through clearly.

Project the maturity value of a UK fixed-rate bond or a Brazilian CDB/LCI, with gross and net (after tax) returns side by side.

Work out how long it takes to save a deposit for a UK home at a given salary, monthly savings rate and house-price growth.

Adjust any past or future amount into today’s money using the UK CPI/RPI series or a custom annual inflation rate.

Estimate UK inheritance tax at 40% above the nil-rate band, including residence nil-rate band and spouse transfers.

Track use of the annual £20,000 ISA subscription limit across Cash and Stocks & Shares ISAs, and see how much headroom you have before the tax year ends.

Work out the LTV ratio on a UK mortgage from property value and deposit, with standard LTV bands and indicative rate impact.

See if you can transfer 10% of the UK personal allowance to your spouse or civil partner and how much tax you’d save as a couple.

Apply IPCA, IGPM or custom index correction to any Brazilian amount between two dates, with compounded monthly indexes.

Estimate the maximum mortgage a UK lender is likely to offer based on income, debts and stress-tested interest rates.

See how much a regular or one-off overpayment saves in interest and how many years it shaves off your UK mortgage term.

Estimate your monthly UK mortgage repayment from loan amount, interest rate and term — with total interest paid over the life of the mortgage.

Add up your assets (cash, investments, property, pension) minus your liabilities (mortgage, loans, cards) to see your real net worth.

See how salary sacrifice and employer matching affect your take-home pay and pension pot.

Model a flexi-access drawdown — how long your pension pot lasts at a given withdrawal rate, investment return and inflation.

Work out how the UK 25% tax-free pension lump sum and the rest-taxed-as-income rules affect your retirement take-home.

Estimate monthly loan repayments and total cost from APR, term and loan amount.

Compare Brazilian poupança savings (tax-free but lower rate) against CDB (subject to IR) on the same maturity and amount.

Brazilian Price-table schedule — constant instalments, full amortisation and interest breakdown per month.

Divide a property price by its usable area to get a comparable price per m² — useful for comparing flats and houses fairly.

Find the maximum fair price to pay for a Brazilian FII (REIT) given a target dividend yield and 12-month dividend stream.

Estimate monthly payment, total cost and break-even date when switching to a new UK fixed or tracker mortgage rate.

Apply the 12-month accumulated IGPM index to a Brazilian rent for its annual contractual adjustment.

Apply the 12-month IPCA index to a Brazilian rent for its annual adjustment — common in new contracts since 2020.

Work out gross and net rental yield on a buy-to-let — including voids, service charge, agent fees and mortgage interest.

Project your pension pot at retirement, inflation-adjusted, with employer matching, tax relief and expected growth — UK DC schemes in mind.

Brazilian SAC (constant amortisation) schedule — decreasing instalments, constant principal repayment, full month-by-month table.

Work out the monthly contribution needed to hit a savings target by a specific date, with or without an opening balance and compound interest.

Brazilian SELIC-linked returns — apply the daily and annualised SELIC to any amount and period.

Brazilian simple-interest calculations for loans, delayed payments and court-ordered adjustments, with CDI and SELIC references.

Work out the Simples Nacional tax band and effective rate for a Brazilian small business across the five tax annexes.

Apply the UK first-time buyer SDLT relief — zero up to £425,000 and a reduced 5% band to £625,000 — with eligibility rules.

Apply the UK 3% SDLT surcharge for second homes and buy-to-let purchases, with thresholds and relief explained clearly.

Work out Stamp Duty Land Tax on a UK property purchase — first-time buyer, main residence or additional property — for England and Northern Ireland.

Project returns on Tesouro IPCA+ (NTN-B) — real yield plus inflation (IPCA), IR regressive table and reinvestment.

Project returns on Brazilian Tesouro SELIC (LFT) with daily marked-to-market yield, custody fee and IR regressive table.

Estimate your UK Universal Credit award — standard allowance plus housing, child, disability and work allowance elements.

Add 20% VAT to a net price, or pull VAT back out of a gross price. Handles the reduced 5% and zero rates too.