About Capitiro

Our mission

Big financial decisions — buying a home, taking out a loan, paying off a credit card or planning for retirement — usually come down to a few numbers. Too often those numbers are hidden behind sign-up forms, sales pitches or confusing spreadsheets. Capitiro exists to give everyone fast, transparent answers they can trust.

What makes our calculators different

• Transparent formulas. Every calculator explains the exact formula it uses, with a worked example you can check by hand.
• Tested accuracy. Our calculation engine is covered by automated tests against standard financial formulas (amortization, annuity and compound growth equations) before any change goes live.
• Private by design.All calculations run locally in your browser. We don't ask for your name, email or financial details, and the numbers you enter are never sent to our servers.
• Built for the US, UK and Europe. Switch between dollars, pounds and euros at any time.

Our tools

We currently offer 8 calculators:

• Mortgage Calculator — Estimate your monthly mortgage payment including property tax, home insurance, PMI and HOA fees.
• Loan Amortization Calculator — See your monthly loan payment, total interest and a full amortization schedule — plus how much extra payments save.
• Credit Card Payoff Calculator — Find out how long it will take to pay off your credit card and how much interest you'll pay.
• Compound Interest Calculator — Project how your savings grow with compound interest and regular monthly contributions.
• SIP Calculator — Estimate the future value of a systematic investment plan (monthly investing), with an optional yearly step-up.
• Retirement Calculator — Estimate your retirement nest egg, its value in today's money and the income it could provide.
• Savings Goal Calculator — Work out how much you need to save each month to reach a target amount by a certain date.
• Inflation Calculator — See how inflation erodes purchasing power and what today's money will cost in the future.

Editorial standards

Our guides and calculator explanations are written and reviewed by the Capitiro editorial team. We aim to use neutral, plain-English language, cite widely accepted rules of thumb only as guidelines, and show the date each page was last reviewed. If you spot an error, please contact us — we correct mistakes promptly.

How we're funded

Capitirois free to use and supported by advertising. Advertisers never influence our calculations or content, and we don't recommend specific financial products.

Important note

Our calculators provide estimates for educational purposes. They are not financial advice. Please read our disclaimer and speak to a qualified professional before making major financial decisions.