Money

Loan repayments, savings growth, discounts and take-home pay — the arithmetic behind personal finance decisions.

Work out monthly and total mortgage repayments, the effect of paying down a loan early, compound growth on regular savings, annual percentage rate, stacked discounts, tax-inclusive and tax-exclusive pricing, and conversion between hourly, monthly and annual pay. Each result comes from a published formula — the standard amortisation formula, compound interest and so on — and does not model the specific terms of any product or the details of any tax code. Treat the figures as estimates for comparing options, and confirm actual numbers with your lender or an accountant.