Credit card interest calculator
Find out how long a card balance takes to clear, and how much of your repayments is interest.
How much interest will my credit card cost?
Financial calculators
9 free tools for the Australia. Each one shows its formula, states its assumptions and runs entirely in your browser — nothing you type is sent anywhere, and no account is needed.
Credit cards
How cards charge interest, what the fees mean, and how to pick one that fits.
Cashback calculator
Estimate a rewards card’s annual cashback across spending categories, after caps and the annual fee.
How much cashback would I actually earn?
Credit scores
What is measured, what moves a score, and what nothing can move quickly.
Credit utilization calculator
Work out your overall and per-card credit utilization, and how much to repay to reach a target ratio.
What is my credit utilization?
Banking
Everyday accounts, savings accounts, interest rates and deposit protection.
APY calculator
Convert a quoted interest rate into the effective annual yield, and see what compounding adds.
What is the APY on this rate?
Saving
Emergency funds, compound growth and getting a savings habit to stick.
Compound interest calculator
See what a balance grows to with regular deposits, any compounding frequency, and inflation in today’s money.
What will my savings grow to?
Savings goal calculator
Work out the deposit you need, the time it takes, or where you land — pick which one to solve for.
How much do I need to save each month?
Debt
What debt actually costs, and the orders of repayment that cost least.
Debt payoff calculator
Compare the avalanche and snowball methods across all your debts and see what each costs.
What order should I pay my debts off in?
Money basics
The vocabulary: APR, APY, AER, interest, inflation and the rest.
APR calculator
See the true annual cost of a loan once fees are included, and how far the APR sits above the interest rate.
What is the real APR on this loan?
Loan repayment calculator
Work out the repayment on any amortising loan, and what paying extra each period saves in time and interest.
What will my loan repayments be?