Money: Debt, Interest, and Everyday Finance
Small money decisions add up: the order you pay off debts, how interest compounds, and what a percentage really costs. These guides break down the everyday finance maths in plain terms and link to a calculator that does the work in your browser, so you can plan with your own numbers and nothing is uploaded.
Debt Avalanche vs Snowball: Which Pays Off Debt Faster?
How the debt avalanche and snowball methods work, which one saves more interest, and how extra payments and lump sums clear your debt sooner.
The Credit Card Minimum Payment Trap: Why It Keeps You in Debt
How credit card minimum payments are calculated, why paying only the minimum can take decades, and how to escape the trap with a fixed payment.
Pay Off Debt or Invest? How to Decide With the Numbers
Should you pay off debt or invest? Compare a debt's guaranteed return against uncertain market gains, and the order of steps that usually makes sense.
Tools in this guide
Debt Payoff
See how fast you can be debt-free with the avalanche or snowball method, and how much interest an extra payment saves.
Percentage Calculator
Work out percentages six ways, from percent of a value to percentage change.
Currency Converter
Convert between 30+ currencies using daily European Central Bank reference rates.