About MoneyMaths

Free finance calculators built for real people — not advertisers.

Why We Built This

Most finance calculator sites are cluttered with ads, require email sign-ups, or quietly send your financial inputs to a server for "personalised" product recommendations. We wanted something different: calculators that are fast, accurate, completely private, and work even without an internet connection.

MoneyMaths runs 100% in your browser. When you type a loan amount or an interest rate, that number never leaves your device. There are no servers computing results on your behalf, no databases storing your inputs, and no ad networks profiling you.

What We Offer

Twelve free calculators across three categories:

Loans & Mortgages

Savings & Growth

Budgeting & Debt

Our Principles

Privacy by Architecture

Our calculators don't collect data because they're not built to collect data. The architecture makes it structurally impossible for your financial inputs to be transmitted or stored.

Speed Over Everything

Results update as you type — no loading spinners, no API round-trips, no waiting. The entire calculator runs locally at your CPU's speed, not a server's.

Mathematical Accuracy

Every formula is verified against industry standards. The mortgage calculator uses the standard annuity formula; the IRT-based compound interest uses exact continuous compounding. We publish no approximations.

Mobile-First Design

Every calculator is designed and tested on mobile first. Input sliders, touch-friendly controls, and a responsive layout that works on any screen size.

How It's Built

MoneyMaths is a static website built with plain HTML, CSS, and JavaScript — no frameworks, no build tools, no dependencies beyond Chart.js for visualisations. This means it loads fast, works offline after the first visit, and can be deployed for free on any static host.

All financial formulas live in a single pure-function library (finance.js) with zero DOM access, making them independently verifiable. The site is open to scrutiny.

A Note on Financial Advice

MoneyMaths calculators are educational tools, not financial advice. Results are estimates based on the inputs you provide and standard formulas. Always consult a qualified financial advisor before making significant financial decisions.

Contact

Questions, bug reports, or calculator requests? We'd love to hear from you. Send us a message →