About the project
What this site is for, and what it is not.
Just Interest Calculator is an independent educational web project focused on helping people estimate savings growth, target-based saving, and loan costs before they make a real-world decision.
Who runs this site
The site is maintained as an independent finance-tool project through its public repository. It is not a bank, broker, lender, or regulated advisory service.
What the calculators are designed to do
- Estimate how a starting balance and recurring contributions may grow under a chosen average rate.
- Show how taxes and inflation can reduce the practical value of a nominal result.
- Work backward from a savings target to a monthly contribution or timeline.
- Estimate fixed-rate loan payments and the interest cost of carrying debt over time.
How the site works
The main calculators use standard future-value and amortization formulas. Results are generated client-side in the browser so the tool stays fast, lightweight, and usable without an account.
Client-side
Calculations run in your browser.
Educational
Built for comparison and understanding.
Scenario-based
Preset examples help users start with realistic inputs.
What this site does not do
- It does not provide personalized financial, legal, tax, or investment advice.
- It does not guarantee returns, lending terms, or future account balances.
- It does not replace lender disclosures, adviser recommendations, or tax planning.
Next step
If you want to use the tools immediately, start with the calculator page and then read the matching guide for the mode you used.