Financial Calculator Hub

Check the maths.
Without the noise.

Accurate financial and insurance calculators for personal decisions and professional use. No advice, no opinions, no products. Just numbers you can trust.

Personal Finance
9 calculators
01
Mortgage Repayment
Monthly payment, total interest, and full cost over any term.
RepaymentsInterestAmortisation
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02
Savings Growth
How compound interest grows your savings with regular contributions.
Compound InterestGrowthProjections
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03
Rent vs Buy
Long-term financial outcome of renting against buying.
Net WorthBreak-evenOpportunity Cost
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04
Compound Interest
How compounding frequency affects your effective annual rate.
EARDaily / Monthly / Annual
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05
Loan Repayment
Monthly repayments and true APR on any loan or credit agreement.
APRPersonal LoanCar Finance
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06
Retirement Savings
Project your pension pot, including employer contributions and inflation.
PensionInflation-adjusted4% Rule
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07
Offset Mortgage
How savings reduce mortgage interest and shorten your term.
OffsetInterest SavingTerm Reduction
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08
Mortgage Overpayment
Interest saved and years removed by paying extra each month.
OverpaymentInterest SavedEarly Payoff
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09
Save for a Goal
How long to reach a target, or what monthly saving hits a deadline.
TargetDeadlineMonthly Required
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Professional Tools
FOR BROKERS & RISK MANAGERS
P01
Business Interruption Sum Insured
Calculate BI sum insured using gross profit, trend uplift, indemnity period, and ICOW.
Gross ProfitICOWIndemnity Period
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P02
Human Life Value / Life Insurance Needs
Present value of future earnings, debts, and obligations to find the true insurance gap.
HLVCoverage GapProtection
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P03
Cyber Risk Exposure
Estimate breach costs, risk score, and recommended cover limit based on security controls.
RansomwareData BreachRisk Score
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Plain Figures does not provide financial or insurance advice. All calculations are indicative only. Always consult a qualified financial adviser, broker, or risk manager before making financial or coverage decisions.