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Zinsora

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Interest, loans, returns – all the essential calculations, directly in your browser, no sign-up needed.

Whether you're planning a loan, looking to invest your savings, or simply want to understand how interest really works – Zinsora gives you precise calculators with clear answers. Directly in your browser, no sign-up needed, free.

Our calculators are designed to make complex financial topics easy to understand. The Interest Calculator shows you the difference between simple and compound interest. The Loan Calculator explains loan types and creates a full amortisation schedule. The Return Calculator helps you compare savings plans, lump-sum investments and property – including inflation. The Budget Calculator shows how much of your salary is left at month-end.

All calculations run directly in your browser. Your data never leaves your device.

Our Calculators

Four calculators. One goal.

Click on a calculator and run the numbers instantly. No sign-up, no data leaving your device.

Interest Calculator

What does £10,000 become at 3.5% compound interest over 10 years? And what is the difference to simple interest?

Example: £10,000 · 3.5% · 10 years
£14,106
Compound interest: £4,106 more than deposited
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Loan Calculator

What does a loan actually cost? Monthly payment, total interest and a full repayment schedule for annuity and repayment loans.

Example: £250,000 · 3.8% · 20 years
£1,489 / month
Total interest: £107,296
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Investment Calculator

What does £300 a month in an ETF savings plan become after 20 years? With inflation adjustment and property comparison.

Example: £300/mo · 7% · 20 years
£175,626
Of which £98,626 in investment gains
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Budget Calculator

How much is actually left at the end of the month? Track your income and expenses and see where the real savings potential is.

Example: £2,500 take-home pay
50 · 30 · 20
Your personal budget split
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FAQ

Frequently Asked Questions

Answers to the most important questions about interest, loans, returns and budgeting

With simple interest, returns are always calculated only on the original capital. With compound interest, the interest earned is added to the capital and in the next year is also subject to interest. Over long periods this leads to exponential growth – the so-called compound interest effect. Use our Interest Calculator to see the difference.
This depends on the current interest rate, the term and the loan type. For an annuity loan of £300,000 at 3.5% and 2% initial repayment, the monthly payment is approx. £1,375. Over 25 years you pay around £112,000 in interest. Enter your exact figures into our Loan Calculator to get your personal result.
Broadly diversified ETFs on the MSCI World or S&P 500 have historically averaged 6–8% per year – after inflation. This is not a guarantee for the future. With our Return Calculator you can run different scenarios and see how £100/month could develop over 20 or 30 years.
With an annuity loan you always pay the same monthly payment (annuity) throughout the entire term. This payment consists of an interest component and a repayment component. Over time the interest component falls (because the outstanding balance decreases) and the repayment component rises. It is the most common form of property financing.
No. All calculations on Zinsora run entirely in your browser. Your inputs are never transmitted to a server, saved, or shared with third parties. You can use all calculators completely anonymously and without signing up.
The gross yield of a property is calculated as: (Annual rental income ÷ Purchase price) × 100. For a purchase price of £300,000 and £12,000 annual rental income that gives a gross yield of 4%. Our Return Calculator calculates this automatically and also shows appreciation over the years. Note: gross yield does not account for purchase costs, maintenance or taxes.
Experts recommend saving at least 20% of your net income. For an income of £2,500/month that would be £500/month. The most important thing: first build an emergency fund of 3–6 months' salary, then invest the surplus – ideally in a broadly diversified ETF savings plan. Use our Budget Calculator to find your personal savings rate.
An emergency fund is a financial reserve exclusively for unforeseen expenses such as car repairs, illness or job loss. Experts recommend 3–6 months of net salary as a buffer – for an income of £2,500/month that is £7,500–£15,000. Keep it in an easy-access savings account (not invested in stocks) so it is available immediately when needed.
About Zinsora

Why Zinsora?

I built Zinsora because every time I looked for a simple financial calculator, I ended up on cluttered comparison portals or confusing spreadsheets. No registration, no hidden costs, no data leaving your device. Just concrete numbers for real decisions.

All calculations are non-binding and serve as guidance only. They do not replace professional financial, tax or legal advice.