A personal finance tool built by a parent in Europe — for anyone who wants to understand their financial future, in their own language and currency.
I built MoneyMath because I wanted to teach my kids, from a young age, the real meaning of money. Not just what money is — but how it behaves. How it compounds over time when you let it grow. How spending beyond your means quietly erodes financial freedom. How a small habit, started early, becomes something significant years down the road.
The system does not do a particularly good job of explaining this to people. Financial education is patchy at best. Most online tools assume you already understand the concepts, already know what APR means, already know why 7% compound growth over 30 years looks the way it does. And almost every calculator I found was built for one country, one currency, and one language.
I live in Europe. My kids will grow up in a world with multiple currencies, multiple tax systems, and multiple financial contexts. I wanted tools that reflected that — and I wanted them to be honest, visual, and free.
So I built MoneyMath.
Professional qualifications
The financial tools on MoneyMath are built by a Fellow of the Chartered Accountants Ireland (FCA) and Certified Public Accountant Ireland (CPA) — two of the most rigorous professional finance qualifications in Europe. MoneyMath operates in the YMYL (Your Money, Your Life) category and is built to the standard those credentials demand: transparent methodology, conservative assumptions, and no financial advice.
MoneyMath is a free collection of financial calculators and guides built for everyone, everywhere. Every calculator is available in six languages and supports 30+ currencies — because financial decisions happen in every language, not just English.
The tools cover the decisions that matter most: paying off debt, building savings, planning for financial independence, understanding compound growth, tracking net worth, and knowing what your money is worth across borders.
Each calculator connects to a plain-language guide that explains the concept behind the numbers — because understanding why a number looks the way it does is as important as the number itself.
Every calculation runs entirely in your browser. Nothing you enter is sent to any server or stored anywhere. No accounts. No sign-up. No data sold.
Most tools are built for one country. MoneyMath supports 6 languages and 30+ currencies — from Euro and Sterling to Rupee, Dirham, Real and Rand.
We show inflation-adjusted values alongside nominal figures, and flag that returns are gross before local tax — because honest tools build better decisions.
Free forever. No paywalls, no premium tiers for basic features, no email required. The tools work the moment you open them.
Every MoneyMath calculator uses standard financial formulas. The inputs, outputs, and assumptions are explained on each calculator page so you can understand what the numbers mean — not just copy them.
| Calculator | Formula basis | Key assumption |
|---|---|---|
| Compound Interest | Standard compound interest formula with optional regular contributions | Returns are gross before tax and inflation |
| FIRE Calculator | 4% withdrawal rule (Trinity Study basis); annual spending × 25 | Real returns used where inflation rate is entered |
| Debt Payoff | Amortisation schedule with avalanche or snowball priority ordering | Minimum payments applied to all debts; extra payment to priority debt |
| Net Worth | Assets minus liabilities; debt-to-asset ratio calculated | Asset values entered by user; no auto-valuation |
| Loan Calculator | Standard amortisation formula; monthly payment and total interest shown | Fixed rate; no variable rate modelling |
| Currency Converter | ECB reference rates, updated daily | Indicative rates only; not for transactional use |
| VAT & Sales Tax | Standard rate × base; reverse VAT formula for tax extraction | Standard rates pre-filled; always verify locally for business use |
All calculators are for informational and educational purposes only. They are not a substitute for professional financial advice. Always consult a qualified financial adviser for decisions that materially affect your financial situation.
VAT and sales tax rates are sourced from official government and European Commission publications. Currency exchange rates are based on European Central Bank (ECB) reference data, updated daily. Net worth benchmarks referenced in our wealth guides draw on publicly available data from sources including the US Federal Reserve Survey of Consumer Finances.
Where data may have changed, we flag it. If you spot an error, please contact us — we take accuracy seriously.
Pick the tool that matches where you are right now. The guides explain the strategy behind the numbers.