R Rateweb
Home โ€บ Tools

Free money calculators

Seven tools for the money arithmetic that is the same everywhere โ€” pick your currency label and go. Everything runs in your browser; nothing you type is sent to us or stored.

๐Ÿงฎ

Loan Repayment Calculator

Monthly payment, total interest and total cost of a loan โ€” plus what an extra payment saves.

๐Ÿ“ˆ

Compound Interest Calculator

What a starting amount plus a monthly contribution grows into, and how much of it is interest.

๐ŸŽฏ

Savings Goal Calculator

How much to put away each month to reach a target by a date, given what you already have.

๐Ÿงน

Debt Payoff Calculator

How long a debt takes to clear at your current payment, and what paying more changes.

๐Ÿงญ

Budget Split Calculator

Split a monthly income into needs, wants and saving โ€” with the ratios in your hands.

๐Ÿ’ฑ

Currency Converter

22 currencies including the rand, naira, cedi, shillings and CFA franc โ€” daily mid-market rates with the as-of date shown.

โš–๏ธ

Flat Rate to Real Rate

A "15% flat" loan is not a 15% loan โ€” convert any flat rate into its true reducing-balance equivalent.

Why these tools are currency-agnostic

The mathematics of a loan, of compound growth, of clearing a debt โ€” it is identical in rand, naira, cedi or shillings. What is not identical is everything wrapped around the maths: tax tables, statutory deductions, deposit protection, what lenders may charge, which providers exist. So the tools on this page handle the universal arithmetic, and the tools that need your country's rules live on your country's Rateweb site, built on that market's own tax tables and providers.

Country-specific calculators

Every Rateweb market site carries a fuller calculator set โ€” take-home pay and income tax on national tables, VAT, vehicle finance, retirement and more, in the local currency. Find yours from the country list.

What the results are โ€” and are not

Each tool states its assumptions on the page, and every result is an estimate for education: real products carry fees, taxes and conditions that generic arithmetic cannot know. Before committing to any actual loan, account or investment, check the specific product's full cost โ€” our guides show what to look for, from loan agreements to savings accounts.