Loan Calculator
Works out the monthly payment, total interest and full repayment schedule for any loan from…
Runs a one-sample, paired or Welch two-sample t-test on your data, with the t statistic, degrees of freedom, p-value and confidence interval.
One-sample, paired and Welch two-sample t-tests, with the interval that matches the decision.
| Two-sample default here | Welch — it does not assume equal variances |
|---|---|
| Welch degrees of freedom | usually fractional, which is normal |
| A paired test uses | only the differences, so subject variation cancels |
| A 95% interval excludes μ₀ | exactly when the test rejects at α = 0.05 |
| Critical t at 95%, 10 df | 2.2281 |
This tool uses t = (difference in means) ÷ (standard error of that difference), read against the t distribution. Every intermediate value is shown on screen, so the result can be checked by hand.
A t-test assumes independent observations and roughly normal data, or a sample large enough for the mean to be. Repeated measurements on the same subject break independence and need the paired test. It compares means only, so two groups with identical means and very different spreads look the same to it.
Works out the monthly payment, total interest and full repayment schedule for any loan from…
Calculates your Equated Monthly Instalment with a full principal-versus-interest breakdown and…
Estimates a full monthly housing payment including principal, interest, property tax…
Calculates a car finance payment from the price, deposit, trade-in, interest rate and term…
Works out instalments and total cost for an unsecured personal loan, including any processing…
Produces a complete month-by-month table showing how each payment splits between interest and…
Shows how savings grow with compound interest, including regular contributions and any…
Calculates simple interest and the final amount from principal, rate and time, without…
Projects the maturity value of a monthly Systematic Investment Plan, showing invested amount…
Calculates what a one-off investment grows to at a given annual return over any number of years.