CleverCalc · Guides

Finance calculators: interest, savings and loans

Match your money question to the right tool: percentages for shares, interest for a period, compound interest for multiple years and loan payments for regular instalments. Compare scenarios using the same assumptions.

The right calculators

How to get started

  1. 01

    Write down the amount, period and rate; separate one-off payments from recurring instalments.

  2. 02

    Open the matching calculator and check whether the rate applies per year or per period.

  3. 03

    Change one assumption at a time and save comparable results to your PDF collection.

The right calculators

Interest calculator

Calculate simple interest and final capital.

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Compound interest calculator

Compound interest calculator: enter your values and get an instant free result.

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Loan calculator

Calculate the monthly payment of an amortising loan.

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Savings calculator

Calculate savings growth with monthly contributions.

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A worked example

Finance calculators: interest, savings and loans

At 3% simple annual interest, €1,000 earns €30 in one year. Over several years, reinvesting interest produces a different calculation from leaving it uninvested. Check how fees and taxes relate to your scenario.

Frequently asked questions

When should I use interest or compound interest?

Use simple interest when you want to calculate interest on an amount over a period without reinvestment. Compound interest applies when the model also earns interest on previous interest.

Does a result replace a loan offer?

No. Calculators apply your inputs to their stated methods. Compare actual rates, fees, payment dates and contract terms with the provider’s offer.

Calculate appliance electricity costs: watts, kWh and annual cost

What does a lamp, PC or refrigerator cost to run each year? Separate power in watts from energy in kWh and use your own electricity tariff. Compare appliances over the same usage period rather than judging them by wattage alone.

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Compare offers: unit prices and successive discounts

A bigger pack or a larger discount is not automatically better value. Convert offers to the same unit, apply successive discounts correctly and compare the final amount payable, including relevant extra costs.

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Plan laminate and paint: floor area, waste and coats

Plan materials for a room in the right order. Floor area and wall area are different quantities. Calculate them separately, choose an appropriate allowance and round up when buying full packs or paint containers.

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Calculate household costs: electricity, appliances and budget

Put monthly and annual household costs on the same basis. Calculate appliance usage, electricity costs and subscriptions before adding the amounts to your household budget.

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Building and renovation: calculate area and materials

Start with area, then calculate material quantities and costs. Find tools for laminate, tiles, paint, concrete and building costs, including a waste allowance you choose yourself.

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Sports calculators: running pace, swim pace and steps

Compare time, distance and pace with sports calculators. Convert steps into kilometres or use health tools for general information. Check the units and the assumptions of each model.

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Convert units: length, weight, volume and temperature

Find the right converter for international units. Distinguish length, weight, volume and temperature, and remember that some kitchen measures depend on the measurement system or ingredient.

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Plan a travel budget: costs per day and person

Plan accommodation, transport and day-to-day travel costs together. Split expenses per person, calculate a daily budget and keep currency conversion separate from possible bank charges.

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