# Finance Calcs

> Free UK finance calculators for loan repayments, HP and PCP quotes, APR, regulated early-settlement figures, mortgage overpayments, stamp duty and compound interest.

Finance Calcs is a free set of finance calculators, primarily for the UK. Every figure is computed live from the user's inputs; there are no rate tables to look up and no account is required. The calculators cover flat-rate loan repayments, weekly-instalment loans, repayments derived from a chosen rate, actuarial early-settlement figures (as required by the UK Consumer Credit (Early Settlement) Regulations 2004), settlement to an exact date, Rule of 78 settlements for non-regulated agreements, mortgage overpayment savings, Stamp Duty Land Tax for England and Northern Ireland, and compound interest on savings. A US edition of the mortgage payoff calculator is also available. The credit calculators also derive the APR so agreements quoted at different rates can be compared fairly. Figures are estimates for guidance, and users should always confirm the final figure with their lender.

## Loans & Credit

- [Loan Calculator (with Balloon)](https://financecalcs.co.uk/calculators/loan): Repayments on HP or PCP agreements at a flat rate of interest, with balloon, fees and the APR.
- [Weekly Loan Calculator](https://financecalcs.co.uk/calculators/loan-weekly): Repayments on weekly-instalment agreements at a flat rate of interest, with fees and the APR.
- [Loan Calculator from Rate](https://financecalcs.co.uk/calculators/loan-from-rate): Repayments from an APR, annual, monthly or flat rate, with balloon, fees and a full amortisation schedule.

## Early Settlement

- [Actuarial Settlement Calculator](https://financecalcs.co.uk/calculators/settlement): The regulated early-settlement figure required by the (Early Settlement) Regulations 2004, with statutory deferment applied.
- [Car Finance Settlement Calculator](https://financecalcs.co.uk/calculators/car-finance-settlement): Estimate the settlement figure on a PCP or HP car finance agreement, including the balloon payment, plus the interest you save and your voluntary termination point.
- [Settlement Calculator by Date](https://financecalcs.co.uk/calculators/settlement-by-date): The regulated settlement figure worked out to an exact date, for monthly, weekly, fortnightly or four-weekly agreements.
- [Rule of 78 Settlement Calculator](https://financecalcs.co.uk/calculators/rule-of-78): For non-regulated agreements outside the Consumer Credit Act, with an adjustable deferment period.

## Mortgages & Property

- [Mortgage Overpayment Calculator](https://financecalcs.co.uk/calculators/mortgage-overpayment): See how much interest and time regular or lump-sum overpayments would knock off your mortgage.
- [Stamp Duty Calculator](https://financecalcs.co.uk/calculators/stamp-duty): Stamp duty on a home purchase in England or Northern Ireland, for home movers, first-time buyers and additional properties.

## Savings

- [Compound Interest Calculator](https://financecalcs.co.uk/calculators/compound-interest): How savings grow with compound interest, from an initial deposit and monthly contributions, with your choice of compounding.

## United States

- [Mortgage Payoff Calculator](https://financecalcs.co.uk/us/calculators/mortgage-payoff-calculator): See how much interest and time regular or lump-sum extra payments would knock off your mortgage. US edition, with figures in dollars.

## About

- [How the calculators work](https://financecalcs.co.uk/how-it-works): The methods behind every calculator: actuarial settlement, flat rate and APR, the Rule of 78, mortgage amortisation, SDLT bands and compound interest.
- [News](https://financecalcs.co.uk/news): Latest UK rates and money news from the Bank of England, HMRC and HM Treasury.
- [Blog](https://financecalcs.co.uk/posts): Articles on consumer-credit calculations and UK finance regulation.
- [Contact](https://financecalcs.co.uk/contact): Get in touch with the Finance Calcs team.