About CalcHub
CalcHub is a free, independent suite of financial calculators — loans, mortgages, car finance, credit card payoff and savings — built to help people understand exactly what borrowing or saving will really cost or earn them. No sign-up, no data collection beyond standard analytics, and no lender affiliation.
Why we built this
Comparison sites are often designed to funnel you toward a specific lender or product. We wanted something different: straightforward tools that show you the real math — your monthly payment, how much goes to interest versus capital, and what it means for your budget — without pushing a particular provider.
Whether you're comparing loan terms, weighing up HP against PCP on a car, working out how long a credit card balance will really take to clear, or projecting how savings grow with compound interest, CalcHub gives you the full breakdown instantly.
How the calculations work
The loan and mortgage calculators use the standard amortisation formula, which accounts for the amount borrowed, the annual interest rate, and the repayment term. Each payment splits between interest (charged on the remaining balance) and capital (which reduces what's owed) — early payments are interest-heavy, later ones increasingly capital-heavy, which is normal for any fixed-rate amortising loan.
Car finance models Hire Purchase and PCP using the same underlying annuity math, with PCP additionally discounting a final balloon payment. The credit card calculator simulates month-by-month interest accrual against your chosen payment. The savings calculator compounds interest monthly on your balance plus any regular deposits.
The loan calculator's salary affordability panel estimates UK take-home pay using 2026/27 income tax and National Insurance rates for England and Wales, assuming the standard personal allowance. It doesn't account for student loan repayments, pension contributions, Scottish tax rates, or other individual circumstances, so treat it as a guide rather than exact payslip math.
Where our default rates come from
The loan calculator loads with a real average market rate per currency rather than an arbitrary number, so your starting point is grounded in current data:
What CalcHub is not
- We are not a lender, broker, or financial advisor, and we don't sell your data to lenders.
- Figures shown are estimates for illustrative purposes — always confirm exact terms with your lender or provider before signing anything.
- We don't guarantee the accuracy of default rates beyond their stated source and date; rates change frequently.
Privacy & cookies
CalcHub uses Google AdSense to display advertising, which may set cookies for personalised ads where you've given consent via the cookie banner. Figures you enter into any calculator are never transmitted anywhere — all calculations run locally in your browser.
Get in touch
Spotted an error, have a suggestion, or want to report an issue? Visit our contact page and send us a message.