Accuracy
Every formula is documented in the source and pinned by an automated test suite - currently 290 assertions covering the payment maths, edge cases and known traps like 0% rates and term extensions.
About LoanoraTools
Empowering Your Financial Decisions
Free, accurate financial calculators for everyone.
No sign-up, no paywall, and nothing about your figures sent anywhere. Every tool runs entirely in your browser.
Our Mission
LoanoraTools was created with a simple mission: to make financial calculations accessible, accurate, and easy to understand for everyone. We believe that informed financial decisions lead to better lives.
Most people do not avoid these numbers because they are uninterested. They avoid them because nobody has ever shown them what the numbers actually mean. A payment is just a number until you can see the interest inside it, the equity building behind it, and the year it all comes due. That is the gap we work in.
What We Offer
Eleven calculators, all free and all open. Each one shows its working, and each one is tested against known answers before it ships.
Our Values
Transparency
No hidden fees, no upsells, no affiliate links. Every result shows the inputs and the formula behind it, including when a popular shortcut would have given you the wrong answer.
Privacy
Your data stays on your device. Every calculation runs in your browser, there are no accounts, and nothing you type is sent to us. Saved scenarios live in your own local storage.
Built by Financial Experts
LoanoraTools is built and maintained by a team of software engineers and financial experts passionate about making financial education accessible to everyone.
We are engineers first, and that shapes everything. It means the calculations live in readable, testable source rather than in a spreadsheet nobody can audit, and it means we can be honest when a widely used shortcut is wrong. The refinance calculator is the clearest example: the textbook break-even formula divides your closing costs by your monthly saving, which quietly assumes that saving lasts the whole new term. Extend the term and it reverses. Ours amortises both loans in full, and tells you the month the deal genuinely turns back into a loss.
If you find an error, we want to know. Corrections are the cheapest thing on a financial site to make and the most expensive to leave standing.
Small, regular, compounding
The clearest lesson in personal finance is also the least intuitive: time in the market usually beats timing the market. A contribution you can afford never to miss beats a larger one you might skip.
Have Questions?
We’d love to hear from you! Whether that is a bug, a formula that looks wrong, or a calculator you wish existed.