Money basics
Interest, loans, tips, salary and savings explained with worked examples.
- Guide · September 19, 2026How to Calculate a Loan PaymentThe standard formula for a fixed-rate instalment loan, worked through with real numbers, plus how interest is split from principal.
- Guide · September 19, 2026How to Calculate a Tip and Split the BillThe tip is the bill times the percentage. Here is the formula, an even-split example and mental shortcuts you can do at the table.
- Guide · September 19, 2026How to Calculate Compound InterestCompound interest earns interest on earlier interest. See the formula, a 20-year example and the Rule of 72.
- Guide · September 19, 2026How to Convert Hourly Pay to an Annual SalaryMultiply the rate by hours and weeks, then adjust for unpaid time. Includes the reverse calculation and its usual pitfalls.
- Article · September 19, 2026Simple vs Compound Interest: Why the Gap GrowsThe two methods look identical in year one and then drift apart. Time is what makes compounding matter.