Owdra Calculators

Every Owdra calculator runs entirely in your browser. Inputs, outputs, and saved scenarios stay on your device — nothing is sent to our servers.

• Live

  Debt Payoff Planner

  Compare avalanche, snowball, and 8 other strategies. Estimate your debt-free date and total interest saved.

• Live

  Credit Card Payoff Calculator

  See how long it takes to clear a credit card balance and how much extra payments save in interest.

• Coming soon

  BNPL Tracker (Klarna, Afterpay/Clearpay)

  Track Buy Now Pay Later instalments across providers in one place. Spot the hidden cost before it spirals.

• Live

  Mortgage Overpayment Calculator

  Model how regular or one-off overpayments shorten your mortgage term and total interest paid.

• Coming soon

  Debt-to-Income Ratio Calculator

  Work out your front-end and back-end DTI ratio and see how lenders interpret it.

• Coming soon

  Balance Transfer Calculator

  Estimate the break-even point on a 0% balance transfer card and compare to a consolidation loan.

• Live

  Zakat Calculator

  Calculate annual zakat across 30 wealth fields including cash, gold, crypto, ISAs and pensions.

• Live

  Islamic Finance Amortisation

  Murabaha, Diminishing Musharakah, and Ijarah amortisation in one private, browser-only tool.

• Live

  Murabaha Financing Calculator

  Model a Murabaha cost-plus financing schedule with profit-rate transparency.

• Live

  Diminishing Musharakah Calculator

  Project equity acquisition month-by-month under a Diminishing Musharakah home-finance plan.