Free money tools · no sign-up

Make sense of modern money

Free calculators and jargon-free guides to fintech, crypto and personal finance. See what your money can do below.

Initial amount

Annual rate (%)

Years

Monthly contribution

Assumes monthly compounding and a constant rate. Real returns vary and are not guaranteed.

Money Calculators

All 10 calculators →

Grow

📈

Compound Interest Calculator

See how your savings grow over time with compound interest and regular contributions.

Borrow

💳

Loan Repayment Calculator

Work out monthly repayments, total interest and the true cost of a loan.

Borrow

🏠

Mortgage Calculator

Estimate a monthly mortgage payment from price, deposit, rate and term.

Save

🎯

Savings Goal Calculator

Find out how long it takes to reach a savings goal, or how much to set aside.

Plan

📊

Budget Calculator

Split your income into needs, wants and savings with the 50/30/20 rule.

Value

🔻

Inflation Calculator

See how inflation erodes the purchasing power of your money over time.

Borrow

✂️

Debt Payoff Calculator

See how long it takes to clear a debt — and how much extra payments save you.

Convert

↔️

APR & APY Converter

Convert between APR and APY for any compounding frequency.

Invest

📐

ROI Calculator

Calculate return on investment, both total and annualised.

Plan

🔥

FIRE Calculator

Estimate your financial-independence number and how long it takes to reach it.

Fintech Explained

What is fintech? A clear introduction

Fintech is the use of technology to deliver, simplify and access financial services, from payments to investing.

Fintech Explained

Neobanks vs traditional banks: what’s the difference?

A plain-English look at how app-only neobanks differ from high-street banks, and what each trade-off means for you.

Fintech Explained

What is open banking, and why does it matter?

Open banking lets you securely share financial data with apps and services you choose, on your own terms.

Crypto & Blockchain

What is blockchain? A beginner’s guide

A plain-English look at blockchain, the shared digital ledger technology behind cryptocurrencies.

Crypto & Blockchain

Cryptocurrency basics for beginners

A plain-English introduction to what cryptocurrency is, how it works, and the risks worth understanding first.

Crypto & Blockchain

How crypto wallets work

A plain-English look at what a crypto wallet actually stores, and the difference between custodial and non-custodial setups.

Personal Finance

How to budget: a simple, practical method

A simple, repeatable method for building a budget that reflects how you actually earn and spend, not just theory.

Personal Finance

How to build an emergency fund

A practical explanation of what an emergency fund is, why it matters, and how people typically go about building one.

Personal Finance

Compound interest explained (with examples)

Compound interest is interest calculated on both your original amount and the interest it has already earned.

Investing Basics

What are index funds?

A beginner-friendly explanation of index funds: what they track, how fees work, and why they're often discussed as a starting point.

Investing Basics

Diversification explained

Why spreading money across different assets is a foundational idea in managing investment risk.

Investing Basics

Risk vs return: the trade-off at the heart of investing

Why higher potential returns usually come with higher risk, and what that trade-off actually means in practice.

Money & Security

How to bank online safely

Simple, practical habits that make online banking significantly safer without needing technical expertise.

Money & Security

How to spot a phishing scam

The common warning signs of phishing attempts, and simple steps to verify a message before you act on it.

Money & Security

Why you should use two-factor authentication

Why adding a second step to your login process makes it significantly harder for someone else to access your accounts.

AI in Finance

How AI is changing banking

A look at how banks are using artificial intelligence behind the scenes, from fraud detection to customer service.

AI in Finance

How AI fraud detection works

AI-based fraud detection spots unusual patterns in transactions to flag potential fraud in real time.

AI in Finance

How AI powers robo-advisors

How robo-advisors use algorithms to manage investments automatically, and what that means for cost, control and risk.

About

Money technology, made understandable

Money is changing faster than ever. Banking lives on your phone, payments happen in a tap, and words like open banking, DeFi and robo-advisor turn up everywhere. techfintech exists to cut through the jargon and explain how it all actually works — calmly, clearly and without the hype.

Our free calculators let you run the numbers on the decisions that matter: how savings grow with compound interest, what a loan really costs, how inflation eats away at value, and how close you are to a financial goal. Every tool runs in your browser, so your figures stay private.

Everything here is educational and free, with no sign-up. It is general information, not financial advice — but it is a great place to build the understanding that good decisions are made from.