Money and Pay

How to use this category

Money pages follow the contract you type. Mortgages include housing costs around the loan. Personal loans include fees and extra payments. Interest is either simple or compound, and the pages do not pretend those are the same. Pay tools cover hourly conversion, overtime, teacher stipends, pro rata fractions, an NHS maternity model, and an illustrative WASPI gap. None of them is a lender, a payroll office, or a government award. Read the assumption, then compare the figure with the document that actually binds you.

Money arithmetic is only as honest as the contract details you include. A mortgage page that forgets tax and insurance will look cheaper than the payment you will actually make. A loan page that forgets an origination fee will look cheaper than the amount you financed. Compound interest without the monthly addition understates a savings habit and overstates a lump you do not have. Simple interest is still the right headline when the contract says simple, which is why that page does not quietly switch. Pay pages ask for weeks, hours, and full-time equivalent because an annual salary is not an hourly rate until those are known. NHS maternity pay and the WASPI illustration are models of public rules and of a gap you type. They are not payroll and not an award. If a figure will be shown to an employee or a lender, show them the inputs as well.

The cards above are the whole category, with one sentence on the job each page actually does. Open a page when that sentence matches the decision in front of you. If the sentence is close but the assumption is wrong, read the comparison section on the page before you copy a number into a report, a bid, or a lesson plan.

Worked examples are prefilled so the first result is auditable. Change one input and the ticket updates. The essay under the ticket walks the same arithmetic in sentences, then a second example, then the move that most often breaks the definition. Five questions at the end answer the objections a careful reader raises after seeing the figure. That structure is repeated because the habit of checking is the point, not because the formulas are the same.

Internal links leave this category only when the next formula genuinely lives next door. A standard deviation page may point at variance and at a t test. It should not point at a decking calculator. If you arrived from search on a broad word, use the one-sentence descriptions to discard the near misses. Near misses are how people report a p-value from a test they did not run.

Each worksheet in Money and Pay keeps one H1, a canonical URL that matches the tool name, and meta text sized for search snippets. The steps are part of the page, not a hidden modal. If you teach from these pages, project the ticket and the assumptions together so students see the same definition you graded against.

When two tools in Money and Pay look alike, read the blurb under each name before you commit. The difference is usually a divisor, a critical value, a waste percent, or a caution that belongs on one page and not the other. That difference is why the URLs stay separate.

Reviewed 21-10-2026. Pages in Money and Pay currently include Break-Even Calculator, CAGR Calculator, Compound Interest Calculator, Discount Calculator, Hourly to Salary Calculator, Inflation Calculator, Loan Payment Calculator, Mortgage Calculator, NHS Maternity Pay Calculator, Pro Rata Salary Calculator, Refinance Calculator, Reman Calculator, Remap Calculator, ROI Calculator, Salary to Hourly Calculator, Simple Interest Calculator, Teacher Pay Calculator, Tip Calculator, VAT Calculator, WASPI Compensation Calculator.

Every money and pay page

• Break-Even Calculator Finds units needed to cover fixed costs given price and variable cost per unit.
• CAGR Calculator Computes compound annual growth rate between a start and end value over years.
• Compound Interest Calculator Grows a principal with compound interest and optional monthly additions.
• Discount Calculator Applies one or two stacked percent discounts without wrongly adding the percents.
• Hourly to Salary Calculator Annualises an hourly wage with optional overtime hours at a multiplier.
• Inflation Calculator Adjusts a money amount forward or backward by an annual inflation rate.
• Loan Payment Calculator Amortizes a fixed-rate loan with optional fees and extra monthly principal.
• Mortgage Calculator Computes principal-and-interest payment plus tax, insurance, PMI, and HOA for a home loan.
• NHS Maternity Pay Calculator Illustrates Agenda for Change occupational maternity pay plus editable statutory flat rate.
• Pro Rata Salary Calculator Prorates annual pay for starters and leavers by calendar days or working days.
• Refinance Calculator Compares current loan payment with a refinance payment including closing costs.
• Reman Calculator Estimates remanufactured-part cost from core charge, reman fee, and labour hours.
• Remap Calculator Estimates wheel horsepower and torque from crank figures after a drivetrain loss percent.
• ROI Calculator Return on investment from gain and cost, reported as a ratio and a percent.
• Salary to Hourly Calculator Converts an annual salary into an hourly rate from hours per week and paid weeks per year.
• Simple Interest Calculator Computes simple interest I = Prt and optionally compares a compound figure on the same inputs.
• Teacher Pay Calculator Builds annual teacher pay from base scale, TLR, SEN, and inner/outer London allowances.
• Tip Calculator Splits a bill with tip percent and optional tax, per person.
• VAT Calculator Adds VAT to a net price or extracts VAT from a gross inclusive price.
• WASPI Compensation Calculator Illustrates a weekly amount times years between two pension ages — not an official tariff.