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mind your money
free calculators and plain-english guides for loans, pay and saving
Open a calculatorwhat this is
Money advice usually arrives as either a sales pitch or a lecture. This is neither. Moneta is a small set of calculators that show the arithmetic behind loans, pay and savings, plus guides that explain what the numbers mean once you have them. Nothing is hidden behind an account, and nothing you type is sent anywhere.
Read the guidesCalculators
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Loan repayment
Enter the amount, the rate and the term, and see the monthly payment, the total interest and how much an extra payment each month would save you.
02Amortisation schedule
A year-by-year or month-by-month breakdown of where each payment goes, so you can see the point at which you start paying off the loan instead of the interest.
03Income breakdown
Convert an hourly, weekly, monthly or annual figure into every other one, after deductions, so you can compare offers on the same terms.
04Budget split
Split your take-home pay into needs, wants and savings, and adjust the shares until the numbers match the life you actually live.
05Savings goal
See how long a target takes to reach at your current savings rate, and what compounding adds on top over ten years.
Guides
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