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
Six 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 & Europe
Take-home pay, tax and property costs under UK and European rules, in pounds and euros.
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 BankChristine Lagarde: Hearing of the Committee on Economic and Monetary Affairs of the European Parliament Sep 25
Bank of EnglandMinutes of the Market Participants Group meeting – 24 September 2026 Sep 24
Federal ReserveFederal Reserve Board requests public comment on two proposals related to establishing a regulatory framework for Board-supervised payment stablecoin issuers under the GENIUS Act Sep 24
European Central BankECB Executive Board member Isabel Schnabel to resign to take senior role at IMF Sep 24
European Central BankPhilip R. Lane: The outlook for the euro area economy Sep 23
European Central BankPhilip R. Lane: The Outlook for the Euro Area Economy Sep 23
European Central BankThe digitalisation of money, payments and finance Sep 23
European Central BankAlmost ten million people took part in ECB survey on new euro banknotes Sep 22
Bank of EnglandForeign Currency Reserves 2026 – Market Notice 22 September 2026 Sep 22
European Central BankPhilip R. Lane: Interview with Le Temps
More tools
Everything else we have built over the years is still here: countdowns, time zones, unit converters and health calculators.