Financial calculators
Credit & Debt Calculators
Card payoff timelines, consolidation maths and debt reduction strategies.
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Credit Card Payoff Calculator
See how long a credit card balance takes to clear at a fixed monthly payment, and how much interest that costs.
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Credit guides
- creditWhat Lenders Actually See in Your Credit FileThe entries that carry weight, the ones that do not, and how long each stays on record.
- personal-loansPersonal Loan Eligibility: What Lenders Actually CheckCredit history, debt-to-income ratio, and documentation requirements, explained without jargon.
- interest-ratesHow Lenders Set Interest Rates on Consumer LoansFunding costs, risk pricing, and margin — the three inputs behind an advertised rate.
- home-loansHome Loan Deposits and Loan-to-Value Bands, ExplainedWhat a deposit changes about pricing, and why lenders group applications into LTV bands.
Other calculator categories
- Mortgage CalculatorsPayments, amortisation, deposits and the running cost of owning a home.
- Loan CalculatorsRepayments, interest and payoff timing on personal and instalment lending.
- Investment CalculatorsProjected returns, contributions and long-run portfolio growth.
- Interest CalculatorsSimple and compound interest, effective rates and how balances grow.
- Retirement CalculatorsRetirement pots, contribution levels and sustainable withdrawal income.
- Tax & Income CalculatorsTake-home pay, salary conversions and estimated tax positions.
- Auto Loan CalculatorsVehicle finance payments, deposits, trade-ins and total cost of ownership.
- Insurance CalculatorsCover levels, premiums, deductibles and what a claim really costs.
- Business CalculatorsMargins, break-even points, cash flow and subscription metrics.
- Savings CalculatorsSavings goals, emergency funds and the effect of regular deposits.
Disclaimer
These calculators produce estimates for information and comparison only. Actual figures depend on the provider, fees, taxes, credit assessment and terms that apply to you. Legamoney does not provide financial advice.