What the tool does, how to run it, and what to expect from the result.
See how long it takes to repay a loan or debt at a monthly repayment you choose, the total interest, and how much an extra monthly repayment saves. The math updates instantly and runs on your device, so it is fast, private, and available offline.
A quick way to understand who this helps, what it solves, and where it connects next.
Shoppers, students, freelancers, and anyone who needs a quick, private calculation.
Fast everyday math without a spreadsheet, app install, or sign-up.
Short answers for the questions people usually have before trying a utility like this.
Yes. It is completely free, with no sign-up, no watermark, and no usage limits.
No. Amounts are currency-neutral and use the same unit across all inputs, so it works in any country.
At £350 a month it takes 52 months (4 years 4 months) and costs £3,163.62 in interest. Each month interest is added on the remaining balance, and whatever is left of the repayment reduces the debt.
Yes, because every extra pound goes straight to the balance and stops interest compounding on it. Enter an extra monthly amount to see the months and interest it saves; check your lender allows overpayments without a fee first.
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Enter your numbers and the result updates live in your browser. Nothing is uploaded and no server is used.
Calculations run locally in your browser. Amounts are shown without a currency symbol so they work anywhere.