EXPLORE Pennyloom

Money

Make your money go further.

Loan and extra-payment calculator

Calculate a loan's monthly repayment, total interest and payoff schedule. Compare regular extra payments using your own loan amount, rate and term.

Mortgage repayment calculator

Estimate mortgage principal and interest, then compare overpayments and months saved. Keep property taxes, insurance and maintenance in a separate budget.

Simple interest calculator

Calculate interest charged only on the original balance. Compare this with compounding before comparing products.

Compound interest calculator

Model monthly contributions and a constant assumed return. Contributions are added at the end of each month; returns are not guaranteed.

Savings goal calculator

Turn a savings target and deadline into a clear monthly amount. No interest or investment return is assumed.

Emergency fund calculator

Choose how many months of essential expenses to cover and see the gap after existing savings. The coverage period is your assumption.

Discount and sales tax calculator

Check the amount saved by a discount and an optional tax applied after the discount. Enter the applicable tax yourself.

Percentage calculator

Find a percentage of any amount and compare an increase or decrease by the same percentage.

Percentage change calculator

Measure growth or decline relative to a positive starting value. A percentage-point change is a different calculation.

Loan affordability calculator

Translate a monthly budget into a loan amount. Choose your own spending ratio and include all other commitments.

Inflation scenario calculator

Test how a constant assumed inflation rate affects a future budget and the purchasing power of cash. No forecast is implied.

Credit card payoff calculator

Find the payoff time for a fixed payment and constant APR, with no new purchases. Actual issuers may calculate interest daily.

What an extra loan payment really changes

Compare a scheduled repayment with extra principal, using a worked example and checks for fees and timing.

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Separate your savings contributions from investment growth

Understand what a compound-growth result includes and how contribution timing changes a scenario.

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Interest rate and APR answer different questions

Understand the limits of a rate-based payment calculation before comparing loan offers.

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Build an emergency target from essential expenses

Create a transparent cash-buffer scenario and turn the remaining gap into a monthly savings target.

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Unit price comparison

Compare two pack sizes using the same quantity unit. See the cheaper unit price and the percentage difference before choosing a larger pack.

Subscription cost planner

Bring daily, weekly, monthly and annual recurring costs into one yearly budget. Model what cancelling a chosen percentage of spending would save.

Bill and tip splitter

Split a shared bill evenly, with an optional tip and separately entered fees. The tip applies only to the starting bill; check whether service is already included.

Is the bigger pack better value? Compare the price you actually use

Compare pack sizes, discounts and wasted quantity with three worked examples. Find the lower unit cost, then check what you will really use.

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