Interest Bench is 18 free calculators for the money questions that come down to compound interest: clearing a balance, growing a deposit, and what a mortgage decision adds up to over its term.
Who runs it
Interest Bench is operated independently from India. It is not affiliated with any bank, lender, broker, or financial services company, and it does not accept money from any of them.
No individual's name appears on this site, and that is deliberate. The person who built it prefers not to attach their identity to it. We think you are entitled to know that rather than to be shown an invented byline: a made-up reviewer with a stock photograph is a thing plenty of finance sites have, and it would be a lie.
That choice costs something real. On a page about money, a named author you can look up is one of the cheapest reasons to trust a figure, and this site does not have one. What it has instead is arithmetic you can check yourself, which is why how we calculate works a full example through by hand and names the authority behind every formula.
How it makes money
Advertising, and nothing else. There are no affiliate links, no referral fees, no lead generation, and nothing is sold.
That matters most on the pages where it would be easiest to do otherwise. A reverse mortgage enquiry is worth a great deal to a broker, and the calculators that rank for it mostly exist to capture one. Ours has no form, no email field, and nobody to pass your details to. We would rather earn less from that page than have a reason to nudge you.
What this site will not do
- It will not advise you. No page recommends an option, ranks two choices, or says what you should do. Where there are two reasonable courses, both are computed and both are shown.
- It will not ask who you are. No accounts, no email capture, no sign-up. Every calculation runs in your browser and the figures you type are never sent anywhere.
- It will not hide its assumptions. Where a result depends on a convention that is not standardised, the page prints which one it used, next to the number rather than in a footer.
- It will not pretend to certainty it does not have. Where the inputs cannot produce a real answer, the page says so and explains why instead of returning a figure.
Why these particular calculators
Because they share one piece of arithmetic. Every page here is compound interest working for you or against you, which is why a credit card payoff and a certificate of deposit sit on the same site. The through-line is the maths, not the product category.
They also share a problem. Most calculators for these questions are licensed widgets running under a bank's branding, or content pages built around a product the publisher sells. Neither shape has much reason to explain the formula or admit what it leaves out.
Corrections
If a figure here disagrees with your lender, your bank, or your own working, tell us. A specific disagreement with a number is the most useful thing anyone can send, and we would rather hear it than not.
Every calculating page carries the date its figures and sources were last checked. Where we correct something material, we update that date.