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It uses the standard amortization formula: M = P × [r(1+r)^n] / [(1+r)^n − 1], where P is principal, r is the monthly interest rate (annual rate ÷ 12), and n is the number of monthly payments.
Banks often quote Annual Percentage Yield (APY) which already includes compounding. If you enter the nominal annual rate and pick a compounding frequency, the tool will arrive at the same APY. Make sure you're comparing like with like.
Currency rates are loaded from a public exchange-rate API at the moment you open the converter. The rates are indicative and may differ slightly from what your bank or card network charges, which usually adds a spread.
No. Every calculation happens in your browser tab. The numbers you type never leave your device, which makes the toolkit safe to use for personal budgeting.