Finance calculators that get the number right.
Settlement figures, loan repayments and APRs, worked out the same way UK lenders and brokers do. Free to use, no sign-up, and accurate to the penny.
9 calculators
Loans & Credit
Repayments on HP or PCP agreements at a flat rate of interest, with balloon, fees and the APR.
Open →Repayments on weekly-instalment agreements at a flat rate of interest, with fees and the APR.
Open →Repayments from an APR, annual, monthly or flat rate, with balloon, fees and a full amortisation schedule.
Open →Early Settlement
The regulated early-settlement figure required by the (Early Settlement) Regulations 2004, with statutory deferment applied.
Open →The regulated settlement figure worked out to an exact date, for monthly, weekly, fortnightly or four-weekly agreements.
Open →For non-regulated agreements outside the Consumer Credit Act, with an adjustable deferment period.
Open →Mortgages & Property
See how much interest and time regular or lump-sum overpayments would knock off your mortgage.
Open →Stamp duty on a home purchase in England or Northern Ireland, for home movers, first-time buyers and additional properties.
Open →Savings
For people who need the figure to be right.
Brokers, dealers and borrowers use Finance Calcs to check figures before they matter.
The actuarial method as mandated in the UK, including the 28 and 58-day additional interest rules.
Every figure is computed live from your inputs. No rounding surprises, and no rate tables to look up.
Flat rates converted to true APR, so two agreements quoted differently can still be compared.
How it works
Loan amount, term, repayments and how many months have run.
The implied periodic rate is derived from your figures, then applied correctly.
Settlement, rebate and APR, broken down so you can see the working.
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Read More →Run your first calculation now.
There's no account and no cost. Just the right number.