Tools 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. This page exists so you never have to guess how the site works, who is behind it, or how it stays free.
Why we built this
It started as a side project: a mortgage amortization tool that showed every payment instead of just a monthly total. We were frustrated by the calculators we found while planning our own finances — most gave a single headline number and left the assumptions behind it a mystery. No breakdown of principal versus interest, no visible amortization system, no way to export the numbers and check them ourselves.
So we built the tool we wished existed, using the amortization systems (French, German, and American) that banks actually use internally. 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. Explore the full set on our financial tools page.
We're not trying to be everything. We didn't set out to build a bank, a lending platform, or a robo-advisor. We wanted one thing: calculators that show their work, so anyone can sit down before a big financial decision and understand the shape of it, in plain numbers, before ever speaking to a lender.
That focus is also why the site looks the way it does: five tools, one consistent design, and one place to find all of them. We'd rather keep the toolkit small and dependable than spread ourselves thin across features nobody asked for.
A calculator toolkit, built with care
- An independent team with a software engineering background
- Five 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 personalized financial advice
- Not a substitute for confirming final terms with your lender or bank
- Not a source of guaranteed or certified figures — always estimates
What each calculator on FinanHelp actually does
Every tool on the site follows the same idea: show the full math, not just a headline figure. Here's a quick look at what each one covers, and when it's useful.
Mortgage Manager
Builds a full payment-by-payment amortization schedule for a mortgage, using whichever repayment system your loan actually follows: French (constant payment), German (constant principal), or American (interest-only with a bullet repayment). Most online tools only support one of the three — we built all three because different countries and lenders use different defaults.
Settlement Manager
Works out what it would take to pay off a loan early, including how much of the remaining balance is principal versus accrued interest, and any early-settlement adjustment. Useful before calling your bank to ask for a payoff quote, so you already know roughly what number to expect.
Currency Converter
A straightforward converter between currencies, built for people comparing loan offers, salaries, or purchase prices across borders — not for day-trading. It's kept simple on purpose, since currency swings can matter a lot when you're planning a large, one-off payment.
Debt Refinancing Calculator
Compares your current loan against a hypothetical refinanced one, side by side: new monthly payment, total interest over the life of the loan, and roughly how long it would take for the savings to outweigh any refinancing costs. It's meant to answer one question — is it even worth exploring — before you spend time gathering paperwork.
Savings Projector
Projects how a recurring savings contribution grows over time, with compounding applied the way most savings accounts actually calculate it. You can adjust the contribution amount, the timeframe, and the rate to see how small changes early on affect the total years later.
How FinanHelp actually makes money
We think this is worth explaining plainly rather than leaving it to 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. There's no premium tier, no locked feature, and no limit on how many times you run a calculation.
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 small team reads and replies, usually within a day or two.
Sometimes, we introduce you to a partner
If your question is better handled by a lender, broker, or other specialized company than 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. We never pass your details along quietly.
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 on our contact form and privacy policy. For general background on how referral relationships in financial services work, see the Consumer Financial Protection Bureau.
We keep this model simple on purpose. A site that depends on ads or hidden data sales has an incentive to keep you clicking; a site that depends on disclosed, consent-based referrals only benefits when it genuinely connects you with the right partner. That's the model we chose, and it's the one we'll stick with as FinanHelp grows.
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 borrowed 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.
The standard every calculator has to meet
Before any calculator goes live on FinanHelp, it has to pass a short internal checklist: does it show the full schedule, not just a summary number? Does it clearly state that it's an estimate? Does it let you export what it calculated? And does it work the same way, using the same underlying formulas, as the amortization system it claims to use? If a tool doesn't meet that bar, it doesn't go live yet. That's also why the toolkit has grown slowly — one solid calculator at a time, rather than a long list of half-finished ones.
We update the tools when the underlying formulas need it, but we don't chase trends or add features just to look busy. If a calculator on FinanHelp still works the way it did last year, that's usually because the math behind mortgages, savings, and currency conversion hasn't changed either.
We also test each calculator against known examples before publishing it — a mortgage with a published amortization table, a savings account with a documented compounding schedule, a settlement figure we can cross-check against a real payoff quote. If our numbers don't match a known case, the tool doesn't ship. It's a small, unglamorous step, but it's the difference between a calculator you can trust and one that just looks trustworthy.
None of this makes us a substitute for professional advice. A calculator can show you the shape of a decision — what a loan costs over its full term, how a refinance compares to staying put, how a monthly contribution compounds over the years — but it can't account for your full financial picture, your credit profile, or the specific terms a lender will actually offer you. That's still a conversation worth having with your bank, your lender, or a licensed advisor, ideally armed with the numbers our tools helped you work out first.
Frequently asked questions
A few things people commonly want to know before trusting a calculator — or a small team — with their numbers.
No. We're a software team, not a licensed advisory firm, and nothing on FinanHelp is personalized financial advice. Our calculators are planning tools meant to help you run your own numbers — always confirm final terms with your bank, lender, or a licensed advisor before making a decision.
No. Every tool — mortgage, settlement, currency, refinancing, and savings — is free to use, with no account required and no paywalled steps. Any income the site earns comes from optional, disclosed referrals, never from the calculators themselves.
No. If a partner pays us a referral fee, that fee comes out of the partner's side and never changes what you're quoted or what you pay them. We also won't make an introduction without telling you first and getting your consent.
They're estimates, not guaranteed or certified figures. Each calculator shows its full payment-by-payment schedule so you can see exactly how a number was reached, but your actual terms will depend on the specific offer your bank or lender gives you.
Anything you type into a calculator stays with that calculation. If you reach out through the contact form, your message goes to our team first, and we only share it further after telling you and getting your consent. See our Privacy Policy for the full details.
All three of the systems most lenders use: the French system (equal payments throughout the loan), the German system (equal principal payments, so the total payment shrinks over time), and the American system (interest-only payments with the full principal due at the end). You can switch between them to see how the same loan behaves under each one.
Yes. Every calculator on FinanHelp lets you export its full schedule to CSV, so you can double-check the math yourself, share it with a partner or advisor, or import it into your own spreadsheet.
A small, independent team with a software engineering background. We're not a bank, a lending marketplace, or a media company — we're the people who built and maintain the calculators, and we're the ones who read your messages if you contact us.
Likely, but only once each new tool meets the same standard as the current five: a full breakdown instead of a single number, a clear estimate disclaimer, and an export option. We'd rather ship fewer tools that we trust than a long list of shortcuts.
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 usFinanHelp — planning estimates only. Figures are approximate and do not constitute financial advice. FinanHelp is not a lender, bank, or licensed financial advisor.
