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Cars

Lease, buy, finance or switch to electric? Compare complete economic costs.

Lease or buy?Total cost, finance, resale value and your crossovers.Finance or pay cash?Loan rate versus the opportunity cost of capital.EV or petrol car?TCO from depreciation, energy, tax, maintenance and charger.Full car costCost per month and kilometre, not just purchase price.View all tools →
Home

Compare wealth paths, mortgages and a transparent affordability range.

Rent or buy?Net wealth, remaining debt, rent and invested difference.Mortgage calculatorPayment, interest, balance and extra repayment.How much home fits?Indicative range from budget, rate, down payment and costs.View all tools →
Energy

Evaluate investments through real cash flows, NPV, IRR and robust break-even points.

Does solar pay?Self-consumption, export, NPV, IRR and payback.Heat pump or gas?Present-value comparison of investment, efficiency and energy.Battery storageCycles, efficiency, degradation and net present value.Energy costProject consumption, tariff and price changes.View all tools →
Money

Refinance, repay or invest? Equal time horizons and transparent interest logic.

Check refinancingInterest saving after term, fees and early repayment cost.Repay or invest?Guaranteed interest saving versus uncertain after-tax return.Loan calculatorPayment, interest, total cost and extra repayment.Compound interestFuture value, contributions, gain and real purchasing power.View all tools →
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Every important RATIOXA calculator, guide and information page in one place.

Cars

Lease or buy?Finance or pay cash?EV or petrol car?Full car costLeasing factor

Home

Rent or buy?Mortgage calculatorHow much home fits?

Energy

Does solar pay?Heat pump or gas?Battery storageEnergy cost

Money

Check refinancingRepay or invest?Loan calculatorCompound interest

Tools

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Learn & glossary

Learn HubCars LearnHome LearnEnergy LearnMoney LearnGlossaryLease or buy: a fair comparisonFinance a car or pay cash?EV or petrol: TCO beyond the fuel billCar depreciation as a scenarioRent or buy: compare net wealthMortgages: payment, interest and balanceHow much home fits your budget?Property appreciation without false precisionSolar payback, NPV and IRRWhy self-consumption drives solar cash flowHeat pump versus gas: seasonal COPBattery storage economics

Learning paths

Learning pathsUnderstand leasing properlyDecide on a home purchaseEvaluate solar economicsBalance debt and investing

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