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Tools
Four calculators that run the same integer arithmetic the bank's own engines use. Nothing you type leaves your browser.
The fixed monthly payment on an amortising loan, and what the loan costs in total. Your offered rate depends on the amount, the term and your circumstances.
Annual percentage rate (APR), fixed for the term.
How long a goal takes at a given monthly contribution, with interest compounding monthly.
AER on the account the goal lives in.
You will reach the goal in 3 years and 5 months.
Convert between major currencies at an indicative mid rate you can edit — useful for checking a quote you were given elsewhere.
Indicative mid rate. Edit it to check a quote you were given.
International transfers at ICB carry a 0.35% spread on the mid rate and no fixed fee — the quote you confirm in the app shows the spread separately.
Would the repayment on a new loan fit beside your existing commitments? The thresholds shown are the ones a lender applies.
Rent or mortgage, other loan repayments, cards paid in full.
ComfortableUnder 35% of net income is comfortable; over 45% leaves too little room for the unexpected.