Most free calculators hand you one figure and hide the rest. These show how they got there: the loan and savings calculators give you the whole schedule, month by month, and the Safe to Spend calculator tells you which limit set the number. No sign-up, and nothing you type leaves your browser.
Annuity or linear repayment, with the full amortisation schedule — interest against principal, month by month, and the real payoff date. Add an extra monthly payment and it tells you how many months and how much interest that removes.
It uses the same maths as the loans screen in CroSum, including the effective interest convention, so the two agree.
Open the loan calculatorWorks either direction: give it a target and a date and it returns the monthly amount, or give it a monthly amount and it returns the date. Handles a starting balance and an interest rate, and shows the balance growing month by month.
Same engine as the savings goals in the app.
Open the savings calculatorHow much can you spend over the next seven days? Enter your budget and what you've spent, and if you like your income and fixed costs. It spreads what's left over the days remaining in your month, capped by the cash you actually have, and tells you which limit set the number.
The same sum as Safe to Spend in the app, simplified to one budget.
Work out your weekNothing is collected. All three calculators run entirely in your browser. There is no form submission, no account, no cookie and no analytics on these pages. The numbers you type never reach a server, ours or anyone else's. That is the same principle the app is built on.
These are tools, not advice. CroSum is a tracking and budgeting app, not a regulated financial adviser, and the output is arithmetic on the numbers you entered — not a personalised recommendation. For decisions that matter, talk to someone qualified.