Why compare total cost, not the payment?

A lower payment can hide a longer term and more interest. Total cost is the real picture.

Does it include fees and insurance?

Yes — add them in advanced mode and they're folded into total cost.

Enter the disclosed profit rate; the reducing-balance math is the same.

No — it's an estimate to help you compare. Get an official quote from the bank.

No, all calculation runs locally in your browser.

Compare two or more offers by true cost and affordability.

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Last updated: 2026-05-16

Source: default

Total Cost = Total Repayment + Fees + Insurance

Why compare total cost, not the payment?: A lower payment can hide a longer term and more interest. Total cost is the real picture.
Does it include fees and insurance?: Yes — add them in advanced mode and they're folded into total cost.
What about Islamic products?: Enter the disclosed profit rate; the reducing-balance math is the same.
Is the result official?: No — it's an estimate to help you compare. Get an official quote from the bank.
Do you store my data?: No, all calculation runs locally in your browser.

Results are estimates and not professional advice. Verify important decisions with a qualified professional.