About FineTools

FineTools is a collection of free financial calculators built to be fast, accurate, and honest. No signup walls, no email captures, no upsells. The math is transparent and verifiable.

How the calculators work

Each calculator runs entirely in your browser using JavaScript. The formulas are the same ones used by lenders and financial planners:

  • Mortgage — standard amortization formula M = P × [r(1+r)n] / [(1+r)n − 1]
  • Credit card — daily compounding (APR ÷ 365 applied to average daily balance)
  • Currency — live mid-market rates from open exchange data
  • Loans — full amortization schedules, principal vs interest breakdown
  • Savings — future value of an annuity with monthly compounding

Privacy

Calculations happen on your device. We do not store your inputs, loan details, or financial data. The only third-party scripts loaded on this site are advertising scripts (if enabled) and the exchange rate API for the currency converter.

Disclaimer

These tools provide estimates for informational purposes only and are not financial advice. Always consult a qualified professional before making financial decisions. Actual loan terms, interest rates, and payment schedules vary by lender and individual circumstances.