The full math behind your money
Mortgage, settlement, currency, debt and savings calculators that show every payment, every rate, every schedule — nothing collapsed into a single number.
| Month | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | € 872.41 | € 392.41 | € 480.00 | € 179,607.59 |
| 2 | € 872.41 | € 393.46 | € 478.95 | € 179,214.13 |
| 3 | € 872.41 | € 394.51 | € 477.90 | € 178,819.62 |
| 4 | € 872.41 | € 395.56 | € 476.85 | € 178,424.06 |
| 5 | € 872.41 | € 396.62 | € 475.80 | € 178,027.44 |
| 6 | € 872.41 | € 397.67 | € 474.74 | € 177,629.77 |
Five tools, one consistent system
Every calculator shares the same schedule logic — figures from one tool read cleanly against another.
Mortgage Manager
Full amortization schedules under three systems. See exactly how principal and interest shift with every payment.
Open calculator- French systemFixed monthly payment Most common
- German systemFixed principal repayment Declining payment
- American systemInterest-only, balloon at maturity Interest only
Settlement Manager
Itemized payoff and settlement figures for an outstanding balance — see what you owe and what it costs to close early.
Calculate payoffCurrency Converter
Convert any figure from the other tools into a second currency at current exchange rates.
Convert a figureDebt Refinancing
Compare your current loan against a refinance offer side by side and find the break-even point.
Compare offersSavings Calculator
Project how your balance grows from regular contributions and compound interest over time.
Project growthTools built by people who read the fine print — not a licensed advisory firm.
We're a small, independent team with a background in software engineering, not in licensed financial advice. We built FinanHelp because most calculators we found online hid their assumptions behind a single, unexplained number — so we built our own, and we're upfront about what we are and aren't.
A calculator toolkit, built with care
- An independent team with a software engineering background
- Free calculators using one consistent, transparent method
- A place to run your own numbers before talking to a lender or bank
- Upfront that we may refer you to partner companies, and may be paid for it
Not a bank, lender, or advisory firm
- Not a bank, lender, or credit provider
- Not a licensed financial advisor and we don't give personalised financial advice
- Not a substitute for confirming final terms with your lender or bank
- Not a source of guaranteed or certified figures — always estimates
It started as a side project
A mortgage amortization tool that showed every payment instead of just a monthly total. As we added a settlement calculator, a currency converter, a refinancing comparison, and a savings projector, FinanHelp became a small toolkit — free to use, with no account required, built to the same standard across every tool.
How FinanHelp actually makes money
We think this is worth explaining plainly rather than burying it in a footnote. Here's the honest version of how the site works, end to end.
The calculators are free, for everyone
You can use every tool on the site — mortgage, settlement, currency, refinancing, savings — without paying anything or creating an account.
If you reach out, we read it ourselves
Messages sent through our contact form go to our own inbox first. We're not a call center — a real person on our engineering team reads and replies.
Sometimes, we introduce you to a partner
If your question is better handled by a lender, broker, or other specialised company then by us, we may put you in touch with one — but only with your consent, and only after telling you that's what's happening.
That referral is sometimes paid
When we introduce you to a partner and it leads to a relationship with them, that partner may pay us a referral fee. This never changes what you pay them, and it's the same disclosure we make in our contact form and privacy policy.
No hidden assumptions
Every calculator exposes the full payment-by-payment schedule, not a single collapsed number — and every figure is exportable to CSV.
No licensed credentials
We don't claim to be advisors, analysts, or a licensed firm. We're engineers who build careful tools — nothing more, nothing less.
No silent referrals
If money changes hands because of an introduction we made, you'll know about it before your details are shared — every time.
Questions about a tool, or your situation?
Reach out through the contact form — we read every message ourselves, and we'll tell you plainly if a partner company is a better fit for what you need.
Contact us