PakFinanceGuidesDo the maths on your money, before you decide
Eight free calculators and clear guides for mortgages, loans, savings, debt and retirement. Every formula is shown, and nothing you type leaves your device.
The calculators
View all →Mortgage Payment Calculator
Estimate your full monthly home payment, taxes and insurance included.
→02Compound Interest Calculator
See how savings and monthly deposits can grow over time.
→03Loan Payment Calculator
Work out the monthly payment and total interest on any fixed loan.
→04Credit Card Payoff Calculator
Find out how long a balance will take to clear and what it costs.
→05Retirement Savings Calculator
Project your nest egg and see what it could be worth in today's money.
→0650/30/20 Budget Planner
Split your take-home pay between needs, wants and savings.
→07Savings Goal Calculator
Find the monthly amount needed to reach a target by a date.
→08Inflation Calculator
See how rising prices shrink the value of your money.
→How we keep this trustworthy
We show the formula
Every calculator page explains the maths and includes a worked example you can check by hand.
No data collected
Calculations happen in your browser. There are no accounts, and we never ask for personal details.
Honest about limits
We say plainly when a figure is an estimate and where rules differ by country. See our editorial policy.
Guides worth reading
All guides →How Compound Interest Works (With a Simple Example)
Compound interest is growth on top of growth. Here is how it works, why time matters and how to use the rule of 72.
6 min read →How Mortgage Payments Are Calculated
Principal, interest, tax and insurance explained, plus how term and rate change what you pay.
6 min read →Credit Card Interest Explained: How to Pay Less
How APR works on cards, why minimum payments keep you in debt and practical steps to clear a balance.
5 min read →The 50/30/20 Budget Rule: How to Use It
A simple budgeting framework, how to apply it with real numbers and how to adapt it when costs are high.
5 min read →How Much Should You Save for Retirement?
Rules of thumb, the role of time and inflation, and a simple way to build a plan you can follow.
6 min read →How Big Should Your Emergency Fund Be?
Three to six months is a common guide. Learn how to decide what is right for your situation.
4 min read →Frequently asked questions
Are the calculators free to use?
Yes. Every calculator is free, needs no account and runs in your browser, so the numbers you type stay on your device.
Which countries is the site written for?
Examples use dollars by default, and you can switch the currency symbol to pounds, euros, Canadian or Australian dollars. Rules and rates vary by country, so we point you to official sources.
Are the results financial advice?
No. They are educational estimates built on stated formulas. Speak to a qualified professional before making major financial decisions.
Who writes the guides?
Mr Umer researches and writes every guide and builds each tool. Our editorial policy explains how we keep content accurate.