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Personal Finance & Mortgage Calculators
Work out mortgage payments, deposit interest, loan APR and savings IRR with your own numbers.
10 finance and property tools
What do you want to work out?
- Compound Interest & FIRE CalculatorCompare compounding, purchasing power, retirement withdrawals and FIRE scenarios.
- Credit Card Payoff CalculatorCompare minimum and fixed payments, payoff time and total interest.
- Buy vs Rent CalculatorCompare buying and renting with optional price growth and holding costs.
- Inflation & Purchasing PowerEstimate future purchasing power, the amount needed to preserve it and cumulative loss.
- Mortgage CalculatorEstimate payments. The model’s fixed 50% DSR is not a local lending approval limit.
- Fixed Deposit CalculatorCompare simple interest, compounding and monthly payouts. Simple interest is the default.
- Personal Loan CalculatorAPR vs flat rate. Early settlement depends on fees and the contract’s rebate rules.
- Savings Insurance IRR CalculatorIRR uses the guaranteed maturity value you enter; the tool does not invent that value.
- Hong Kong AVD Stamp Duty & Upfront Property CostsHong Kong scopeHong Kong residential AVD from 2026-02-26, in HKD; excludes historical instruments, non-residential property and exemptions. Custom mode uses one rate.
- Hong Kong MPF Retirement Savings ProjectionHong Kong scopeHong Kong MPF retirement projection in HKD, with separate capped employer/employee mandatory and voluntary contributions. Withdrawals are initial examples only.
Assumptions stay assumptions
Check each page’s method, sources and limits. Bank, insurer and regulator documents take precedence for approvals, rebates and policy benefits.
Check the latest local rules
Tax, lending, holiday and protection rules vary by place and date. Check current local rules and provider terms. Results are estimates.
Read our editorial policyThree good habits before you start
- 1
Use the right rate
APR, flat rate, nominal rate and IRR are not the same thing.
- 2
Compare several scenarios
Don't stop at one figure. Try other terms, rates and amounts.
- 3
Check the official documents
Before applying, check the bank quote, loan contract or benefit illustration.