Financial calculators for the US, UK and Europe
Work out the money decisions that matter.
Mortgages, loans, savings, retirement and tax. Every answer comes with a chart, a full schedule and a short explanation of what the number means for you.
Latest official figures from FRED (Federal Reserve Bank of St. Louis), the European Central Bank and the Bank of England. Refreshed every few hours. All rates and charts
Pick the question you are trying to answer
Eight families of calculators. Each one works on a phone, shows its working and lets you share the exact result with a link.
Mortgage & home
Monthly payment, full amortization, and whether a rental pays for itself.
Loans & debt
What a loan really costs and how fast you can clear a balance.
Savings & investing
How money grows, what inflation takes away, and what returns really mean.
Retirement
How much you need, what your 401(k) becomes, and when you can stop.
Tax & pay
Federal income tax, salary conversions and everyday money maths.
UK & Ireland
Take-home pay, pensions, student loans and property costs under UK and Irish rules.
Europe
Net salary calculators for 21 European countries, with 2026 tax rules from official sources, in euros and local currencies.
Currency & markets
Exchange rates, crypto, the national debt and the cost of living.
Built to explain, not just to calculate
Charts that tell the story
See where the balance falls, when principal overtakes interest, and what one extra payment a month does over thirty years.
Today's rates built in
Mortgage averages, central bank rates and inflation are loaded from official sources, so the defaults are realistic.
Your numbers stay with you
Everything runs in your browser. No sign-up, nothing stored on our side.
Share the exact result
The link holds your inputs. Send it to a partner, adviser or lender and they see what you see.
Schedules you can export
Every payment, year by year or month by month. Download it as CSV for a spreadsheet.
Install it like an app
Add fcalculator to your phone's home screen or your desktop. It opens instantly and the calculators you have used work offline.
From the central banks
The latest statements and releases from the Federal Reserve, the European Central Bank and the Bank of England. Rate decisions here move mortgage and savings rates everywhere.
Federal ReserveMinutes of the Federal Open Market Committee, September 15-16, 2026 Oct 7
Bank of EnglandMinutes of the London FXJSC Legal Sub Committee Meeting – 16 June 2026 Oct 7
Bank of EnglandMinutes of the London FXJSC Operations Sub-Committee Meeting – 16 June 2026 Oct 7
Bank of EnglandMinutes of the London FXJSC Main Committee Meeting – 24 June 2026 Oct 7
Bank of EnglandRegulatory thresholds set to shift to automatic increases Oct 7
European Central BankResults of the September 2026 survey on credit terms and conditions in euro-denominated securities financing and OTC derivatives markets (SESFOD) Oct 6
Bank of EnglandMinutes of the UK Money Markets Code Sub-Committee – September 2026 Oct 6
European Central BankFrank Elderson: Effective supervision through timely remediation Oct 6
European Central BankPiero Cipollone: Money in the digital age: digital euro, tokenisation and the role of central banks Oct 6
European Central BankPhilip R. Lane: Interview with Ansa
More tools
Everything else we have built over the years is still here: countdowns, time zones, unit converters and health calculators.