About Smart Finance Tools
Smart Finance Tools was created from a simple idea: loan calculators should be clear, honest, and easy to use.
Most comparison tools online are cluttered with adverts, biased affiliate links, or confusing language. They make it hard to see the real cost of a loan, and even harder to compare options side by side.
I built Smart Finance Tools to fix that.
This project started as a way to help people understand loans more transparently – with clean design, straightforward explanations, and accurate maths. No distractions, no hidden incentives, just helpful tools anyone can use.
Our Mission
To make financial decisions simple, transparent, and accessible for everyone.
Our Tools
Smart Finance Tools currently offers the following calculators:
- Loan Calculator – calculate monthly payments, total interest, and view complete amortisation schedules
- Loan Comparison Tool – compare up to 4 loans side by side to find the best option
- Overpayment Calculator – model extra payments and see how much interest you can save
- Variable Rate Support – handle rate changes over the life of your loan
- Multiple Payment Frequencies – monthly, fortnightly, or weekly payments
Our Principles
- Transparency – clear calculations, no hidden fees or agendas
- Accuracy – accurate calculations you can trust
- Privacy – no personal data collected, tracked, or stored
- Simplicity – complex financial concepts presented clearly
- Independence – no sponsorships or affiliate bias
Why You Can Trust This Tool
- Unbiased comparisons – we don't work with lenders
- Maths you can trust – calculations use standard financial formulas
- Privacy-first – no accounts, no tracking, no profiling
- Free to use – the tool is available without cost or restrictions
Who's Behind It
Smart Finance Tools is created and maintained by an individual developer based in the United Kingdom, with content written or reviewed by specialists with real-world experience in lending, affordability modelling, and consumer finance.
The goal is simply to build helpful, reliable tools that empower people to make confident financial decisions. For more detail on our review process, see the Editorial Policy.
Contact
If you'd like to get in touch, you can reach us at:
Whether it's feedback, a bug report, or a business enquiry, you're always welcome to reach out.