Finance Guides
Clear explanations, worked examples and practical calculations for borrowing, savings, mortgages and everyday finance.
12 practical finance guides
- Loans2
- Mortgages4
- Savings3
- Salary & Tax3
Popular guides
View all guides →LoansHow Loan Payments WorkUnderstand how loan payments are calculated, how principal and interest change over time, and how rates, terms and extra payments affect your total cost.
MortgagesHow Much House Can I Afford?Estimate how much house you can afford based on income, debts, down payment, mortgage rate and housing costs — with worked examples and a calculator.
Salary & TaxGross Pay vs Net PayUnderstand gross pay, net pay and take-home salary, including taxes, pre-tax deductions and post-tax deductions, with worked salary examples.
SavingsHow Does Compound Interest Work?See how compound interest grows savings over time, how monthly contributions affect the result, and how compounding frequency, fees and inflation change future value.
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Loans
2 guides
LoansHow Loan Payments WorkUnderstand how loan payments are calculated, how principal and interest change over time, and how rates, terms and extra payments affect your total cost.
LoansHow Is Loan Interest Calculated?Learn how loan interest is calculated, how reducing-balance interest works, and how loan amount, rate and term change the total interest you pay.
Mortgages
4 guides
MortgagesHow Much House Can I Afford?Estimate how much house you can afford based on income, debts, down payment, mortgage rate and housing costs — with worked examples and a calculator.
MortgagesHow Are Mortgage Payments Calculated?See how mortgage payments are calculated, how principal and interest change over time, and how rate, term and down payment affect your monthly cost.
MortgagesDoes Paying Extra on a Mortgage Save Money?See how extra mortgage payments can reduce interest and shorten repayment time, with worked examples comparing regular overpayments and lump sums.
MortgagesRent vs Buy: How to Compare the Real CostCompare the real cost of renting vs buying, including mortgage interest, down payment, ownership costs, rent increases, selling costs and investment opportunity cost.
Savings
3 guides
SavingsHow Does Compound Interest Work?See how compound interest grows savings over time, how monthly contributions affect the result, and how compounding frequency, fees and inflation change future value.
SavingsHow Much Emergency Fund Do I Need?Estimate how much emergency savings you may need based on essential monthly expenses, months of cover and current savings, with practical examples and a calculator.
SavingsAPY vs Interest RateLearn the difference between APY and interest rate, how compounding affects savings returns, and how to compare rates using worked examples and formulas.
Salary & Tax
3 guides
Salary & TaxGross Pay vs Net PayUnderstand gross pay, net pay and take-home salary, including taxes, pre-tax deductions and post-tax deductions, with worked salary examples.
Salary & TaxHow to Calculate a Pay RaiseCalculate a pay raise by percentage, salary difference, month, paycheck or hourly rate, with worked examples showing what the increase actually means.
Salary & TaxHourly Wage to Annual SalaryConvert hourly pay to annual, monthly and weekly salary, with examples showing how hours worked, paid weeks, overtime and unpaid leave change the result.
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