Financial Calculator Hub

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26 calculators and 16 formula-first guides for personal decisions and professional use. home.disclaimer Just numbers you can trust.

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Browse by Category

Use the hub pages when you want the main calculators and related guides grouped by decision type rather than as one long directory.

Open full calculator directory

Mortgage CalculatorsBrowse repayment, affordability, overpayment, offset, and housing comparison pages from one mortgage category hub.Savings CalculatorsUse the savings hub for growth, savings goals, emergency buffers, recurring-cost drag, and short-run resilience decisions.Investing CalculatorsKeep compound growth, future-value thinking, and after-tax return context inside one investing calculator path.Retirement CalculatorsFocus on pension growth, employer contributions, drawdown support, and contribution planning in one retirement hub.

Learning Centre

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How Mortgage Repayment Works5 min Understanding Compound Interest4 min Salary Take-Home: How It's Calculated7 min Rent vs Buy: The Key Numbers6 min Loan Repayment & True APR5 min TDEE & Calorie Needs Explained5 min

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16 calculators

Mortgage Repayment

Monthly payment, total interest, and full cost over any term.

RepaymentsInterestAmortisationguide ↗

How compound interest grows your savings with regular contributions.

Compound InterestGrowthProjectionsguide ↗

Long-term financial outcome of renting against buying.

Net WorthBreak-evenOpportunity Costguide ↗

Compound Interest

How compounding frequency affects your effective annual rate.

EARDaily / Monthly / Annualguide ↗

Monthly repayments and true APR on any loan or credit agreement.

APRPersonal LoanCar Financeguide ↗

Retirement Savings

Project your pension pot, including employer contributions and inflation.

PensionInflation-adjusted4% Ruleguide ↗

Offset Mortgage

How savings reduce mortgage interest and shorten your term.

OffsetInterest SavingTerm Reductionguide ↗

Mortgage Overpayment

Interest saved and years removed by paying extra each month.

OverpaymentInterest SavedEarly Payoffguide ↗

Save for a Goal

How long to reach a target, or what monthly saving hits a deadline.

TargetDeadlineMonthly Requiredguide ↗

Salary Take-Home

Net pay after tax — UK, Germany, USA, France, Netherlands, Australia.

TaxNet Salary6 Countriesguide ↗

Mortgage Affordability

The maximum you can borrow based on income, deposit, and stress test.

Borrowing PowerLTVStress Testguide ↗

TDEE & Calorie Calculator

Total daily energy expenditure, BMR, BMI, and macro targets.

CaloriesBMIFitnessguide ↗

Subscription Drain

True 10-year cost of subscriptions and investment opportunity cost.

Subscriptions10-Year CostOpportunity Costguide ↗

Freelance Rate Calculator

Work backwards from desired salary to minimum hourly and day rate.

Day RateFreelanceContractorguide ↗

Lifestyle Inflation Tracker

Compare current vs entry-level spending and the 10-year opportunity cost.

Lifestyle CreepSpendingOpportunity Costguide ↗

Financial Crisis Simulator

How long your savings last if you lose your job or costs double.

Emergency FundJob LossSurvival Runwayguide ↗

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FOR BROKERS & RISK MANAGERS

Business Interruption Sum Insured

Calculate BI sum insured using gross profit, trend uplift, indemnity period, and ICOW.

Gross ProfitICOWIndemnity Periodguide ↗

Human Life Value / Life Insurance

Present value of future earnings, debts, and obligations to find the true insurance gap.

HLVCoverage GapProtectionguide ↗

Cyber Risk Exposure

Estimate breach costs, risk score, and recommended cover limit based on security controls.

RansomwareData BreachRisk Scoreguide ↗

Total Cost of Risk (TCOR)

Aggregate premiums, retained losses, admin, and risk control costs. Four scenario comparison.

TCOR RateRetained LossesScenariosguide ↗

Risk Score & Heat Map

Score risks by likelihood and impact. 5×5 heat map, editable register.

Heat MapRisk RegisterMitigationguide ↗

SCR Estimator (Solvency II)

Estimate Solvency Capital Requirement using standard formula principles.

SCRSolvency IICapitalguide ↗

Coverage Gap Analysis

Map policy limits against exposures across property, liability, BI, and cyber lines.

Under-InsuranceLimitsCoinsuranceguide ↗

LTV & CAC Calculator

Customer Lifetime Value, CAC ratio, and payback period. DCF-based LTV with scenario modelling.

LTV:CACPaybackChurnguide ↗

Loss Event Probability Modeler

Expected annual loss from risk events using triangular distributions.

PMLTriangularExceedanceguide ↗

Cyber Insurance Limit Recommender

Estimate cyber limit adequacy from revenue, records, industry, and security controls.

CyberLimit AdequacyGDPRguide ↗

Plain Figures does not provide financial, medical, or insurance advice. All calculations are indicative only. Always consult a qualified adviser before making decisions.