Tools
The games show you what is true in general. These put your own balance, loan or savings through the same maths, and tell you what they assume.
What a loan really costs
The monthly payment on a home, car or personal loan, how much of the total is interest, and what a shorter term or a small overpayment would save you.
Which debt to clear first
Put every debt in and compare the two standard orders — highest rate first against smallest balance first — for what each costs in interest and how long it takes.
What the goal actually takes
Name the amount and the date to get the monthly figure, or name what you can spare to get the date — plus what the target will really be worth by then.
The pot you need, and how long it lasts
Work back from the income you want at withdrawal rates the current research supports, then see how many years a pot survives once inflation keeps raising what you spend.
What a lender would actually lend
The ratios lenders work to — housing against income, and all debt together — turned into the loan they allow, and which of the two limits is holding you back.
What your money will be worth
What today’s money buys in ten or twenty years, what a future amount is worth now, and whether a savings rate is actually keeping up.
What your balance really costs
How long a balance takes to clear at your rate and payment, how much of it is interest, and what paying a little more would save.
What regular investing adds up to
What steady contributions could grow into at a rate you choose, set against the same money left in a savings account.
See what is stored item by item, or the privacy policy for what leaves your device.