How it works
Annual normalization uses 52 weekly, 26 fortnightly, 13 four-weekly, 12 monthly, 4 quarterly or 1 annual payment. A real calendar may contain an extra billing date; this tool is a planning average, not a statement forecast. Prices stay constant, with no taxes, discounts, free trials or cancellations unless already reflected in your entered costs. Five-year cost is five times the annual total, without investment growth.
The formulaAnnual equivalent = cost per payment × occurrences per year. Monthly equivalent = annual ÷ 12. Every four weeks means 13 payments per modeled year, not 12.
Good to know
Are these personalized financial recommendations?
No. These are arithmetic planning tools with editable hypothetical assumptions. Actual account terms, taxes, fees, cash flows and lender statements can differ.
Where do my numbers go?
Calculation inputs stay in this page. The finance tools do not place them in links, make calculation requests or save them automatically. CSV and print exports are created only when you choose them. Existing site delivery and performance services still operate; see Privacy.
Which currency and rounding do you use?
Choose a display currency and enter every amount in that same currency. No exchange conversion is performed. These tools use two-decimal money displays. Loan and debt schedules round monthly interest and balances to cents; savings models keep internal precision. Values are bounded to keep calculations reliable.