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.
European Central BankDecisions taken by the Governing Council of the ECB (in addition to decisions setting interest rates) Oct 2
European Central BankBoris Vujčić: Resilience, integration and competitiveness: building the future of European banking Oct 2
Bank of EnglandAppointment of members of the Enforcement Decision Making Committee (EDMC) Oct 1
European Central BankIsabel Schnabel: Central banks on-chain Oct 1
European Central BankChristine Lagarde: Where AI risks meet Oct 1
Bank of EnglandMinutes of the Meeting of the Court of Directors held on 16 July 2026 Sep 30
European Central BankChristine Lagarde: Interview with La Croix Sep 30
European Central BankIsabel Schnabel: Monetary policy in a world of overlapping shocks Sep 30
Federal ReserveFederal Reserve Board finalizes changes to enhance the transparency and public accountability of its stress test and reduce volatility in its stress test-related capital requirements Sep 30
Bank of EnglandFinancial Policy Committee Record – September 2026
More tools
Everything else we have built over the years is still here: countdowns, time zones, unit converters and health calculators.