Bring clarity to every financial decision.
Novara is a free suite of financial calculators on a single page — investment growth, loans and mortgages, live currency conversion, inflation, savings goals and doubling time. No sign-up, no upsell, no advice. Just the math, run entirely in your browser, so nothing you type ever leaves your device.
Six calculators, one workbench
Every tool updates the moment you type. Drag a slider, change a currency, stretch a time horizon — the readout and the chart move with you. Pick an instrument to begin.
Investment growth
See how an initial amount plus steady contributions compound over time.
Loan & mortgage
Monthly payment, lifetime interest, and how the very first payment splits.
Currency converter
Live European Central Bank reference rates, fetched when the page loads.
Inflation & purchasing power
What today's money is really worth after years of rising prices.
Savings goal
How long until you reach a target, given what you save each month.
Doubling time · Rule of 72
A back-of-envelope classic: divide 72 by the rate to estimate how long money takes to double. We also show the exact figure.
Educational estimates only — figures assume constant rates and exclude taxes, fees and market swings. Not investment advice.
Money rules that don't change
Rules of thumb that survive market cycles. Directional by design — your situation always outranks a rule of thumb, but these are the reference lines the pros carry in their heads.
The Rule of 72
Divide 72 by an annual return to estimate the years it takes money to double. At 8%, roughly nine years — no calculator required.
The balanced budget
Aim for about half of take-home pay on needs, a third on wants, and a fifth toward saving and debt paydown. A starting frame, not a straitjacket.
Safe withdrawal
Drawing around 4% of a diversified portfolio in year one, then adjusting for inflation, has historically lasted a 30-year retirement in most scenarios.
Emergency fund
Keep three to six months of essential expenses in cash you can reach today. Irregular income? Lean toward the higher end.
The car rule
Put 20% down, finance for no more than four years, and keep total vehicle costs under 10% of gross income. Keeps a depreciating asset from steering your budget.
The lender's line
Housing under 28% of gross income; all debt payments under 36%. Cross 43% and most conventional mortgages get hard to underwrite.
Four habits that make the math honest
A calculator is only as good as its inputs. These four keep your projections grounded when it counts.
Use real returns
Subtract inflation from your assumed rate for anything long-term. A "7%" that ignores 3% inflation is really closer to 4% of future buying power.
Stress the rate
Run every projection at optimistic, base, and pessimistic rates. If the plan only works at the top rate, it isn't a plan — it's a wish.
Mind the fees
A 1% annual fee can quietly consume a quarter of a lifetime's growth. Fold costs into the return before you admire the balance.
Automate the boring part
The contribution field moves the chart more than the rate field does. Set the monthly transfer, then let compounding do the unglamorous work.
Fair questions, straight answers
What is Novara?
A free, single-page toolkit of financial calculators — investment growth, loans, live currency conversion, inflation, savings goals and doubling time. It's built to give you a fast, trustworthy number and a clear picture, without accounts, paywalls, or an inbox full of follow-ups.
Is this financial advice?
No. Everything here is educational and general. The calculators use standard formulas and assume steady rates, so real-world results differ once you factor in taxes, fees, and market swings. Nothing here is investment, tax, or legal advice — for decisions that matter, talk to a qualified professional who knows your situation.
Is my data private?
Yes. Every calculation runs locally in your browser with JavaScript. The numbers you enter are never transmitted to us or stored anywhere — close the tab and they're gone. The only outbound request is a read-only call for live currency rates.
Where do the exchange rates come from?
The converter uses European Central Bank reference rates, fetched fresh each time the page loads. The ECB publishes one fixing per business day, so these are indicative reference rates for planning — not live dealing quotes. If the feed is briefly unavailable, the tool falls back to clearly-labelled indicative figures.
Does it cost anything?
No — Novara is free and needs no sign-up. A single, clearly-labelled advertisement at the top of the page keeps the tools running. That's the whole business model.
How do I get in touch?
Email garrotchever@gmail.com. Feature requests, corrections, and "your formula is wrong because…" notes are all genuinely welcome.