Free Financial Calculators for South Africa, the UK, China, Japan & Singapore
MyFinanceAtlas provides free financial calculators tailored to different countries, currencies and financial systems. Pick your country and get loan instalments, mortgage payments, savings projections and tax estimates that follow the local rules — not generic formulas.
Choose Your Country
Every calculator is built for that country's currency, fees and regulations.
South Africa
South African Rand (ZAR) NCA fee caps, the repo+21% rate-cap check and prime-linked pricing on loans, bonds and vehicle finance. 29 calculatorsUnited Kingdom
Pounds Sterling (GBP) Mortgages and overpayments, ISAs and pensions, stamp duty, take-home pay and student loans in pounds. 19 calculatorsChina
Chinese Yuan (CNY) Loans and amortization, mortgages, savings and the 10% vehicle purchase tax with NEV relief, in yuan. 19 calculatorsJapan
Japanese Yen (JPY) Personal loans, card instalments, mortgages with bonus repayment, savings and investment growth, in yen. 10 calculatorsSingapore
Singapore Dollars (SGD) Personal loans, mortgages and home affordability, car finance with COE and OMV context, in Singapore dollars. 11 calculatorsHow the Calculators Work
Three steps, in your browser, with nothing sent to a server.
1. Enter your own numbers
You supply the amount, term and the rate your bank or issuer actually quotes. The calculators never assume a market rate.
2. See the maths instantly
Results recompute as you type — instalments, total interest and full year-by-year amortisation, with the formulas documented on our methodology page.
3. Adjust and compare
Stress-test a pessimistic rate, a bigger deposit or a shorter term before you talk to a lender — every input is yours to move.
What You Can Calculate
Major calculator categories, available inside each country's hub.
Loans & debt
Personal loan instalments, affordability, early settlement and debt consolidation — with each country's interest-cap rules applied.
South Africa · UK · China · Japan · Singapore
Mortgages & home buying
Bond repayment and affordability, overpayments, refinancing and the local costs of transferring property.
South Africa · UK · China · Japan · Singapore
Vehicle finance
Car-loan instalments, balloon payments and the vehicle taxes that apply in each market.
South Africa · UK · China · Japan · Singapore
Savings & investment
Deposit growth, compounding and investment projections — plus local wrappers such as the UK ISA and Japan's NISA context.
South Africa · UK · China · Japan · Singapore
Cards & consumer credit
Minimum-payment payoff times, instalment plans and revolving-balance costs.
Tax & income
Take-home pay, stamp duty, property transfer taxes and statutory withholding, by country.
South Africa · UK · China
Popular Guides
Country-specific explainers that pair with the calculators.
How to Qualify for a Personal Loan in South Africa
What lenders check under the National Credit Act — and how to strengthen your application.
South Africa guide →First-Time Buyer Guide: UK
Deposits, stamp duty, mortgage types and what affordability really means in pounds.
UK guide →Fixed vs Variable Mortgage Rates in Japan
The 5-year payment review, the 1.25x cap, unpaid interest — and how Flat 35 differs.
Japan guide →About the Publisher
MyFinanceAtlas is an independent publisher of country-specific financial calculators and guides. Every tool follows a documented methodology, and our editorial policy explains how content is researched, sourced and kept current. Learn more about the project — and see the full standards on the South Africa, UK, Japan and Singapore guide shelves.
Why MyFinanceAtlas
Country-specific rules, built in
Each country’s statutory rules are built into its calculators — NCA caps in South Africa, stamp duty bands in the UK, TDSR and MSR ceilings in Singapore. The full rule set behind every tool is documented on our methodology page.
Transparent mathematics
Every result shows its working — amortisation schedules, year-by-year breakdowns and the exact formulas on our methodology page. No black boxes.
Free, private, no signup
All calculators run entirely in your browser, work on mobile, and never ask for personal information. Educational estimates only — not financial, tax or legal advice.