Financial Guides

These guides explain the ideas behind our calculators, including assumptions, common mistakes and ways to interpret results. They are educational and are not personalised financial advice.

Savings & investing

How Compound Interest Works
Compounding, contribution timing and realistic scenario testing.

Loans & mortgages

Understanding Mortgage Payments
Rates, terms, deposits, LTV and repayment structure.

Loan Overpayments and Amortisation
Interest savings, early repayments and lender-specific limitations.

Business finance

Profit Margin, Markup and Break-even Explained
Margin, markup, contribution and break-even planning.

UK VAT Rates and VAT Calculations
Adding/removing VAT and understanding rate classifications.

Currency & forex

Forex Pips, Position Size and Trading Risk
Exposure, reference rates and the limits of trade calculations.