About Fiscalgrove

Fiscalgrove builds straightforward, accurate mortgage and home-finance calculators for six markets: the United Kingdom, the United States, Canada, Australia, New Zealand, and Ireland. It is free to use, and its job is to make the maths clear so you can talk to a broker, lender, or adviser already understanding your own numbers.

Who's behind Fiscalgrove

Fiscalgrove is founded, built, and maintained by Majid Bilal. Every statutory or lending-convention figure on the site (stamp duty and land transfer tax bands, the Central Bank of Ireland mortgage rules, DTI, GDS and TDS thresholds, PMI, LMI and CMHC rules, and so on) is cross-checked against the primary government or regulatory source before publication, and re-checked on the schedule set out in our Editorial Policy. Fiscalgrove builds tools and explains the maths; it is not a regulated financial or mortgage adviser.

Why this site exists

For twelve years I worked as an SAP HCM consultant, implementing statutory payroll calculations across multiple countries. Tax bands, thresholds, deductions, in systems where a wrong rule is a legal problem rather than a bug. Enterprise payroll runs on effective-dated records and sourced legal changes, and that is the discipline behind this site: every statutory figure here carries a source and the date it was last verified, and none of it is repeated from another website.

I built Fiscalgrove because interest is the cost that does the most damage while being the least visible. Over years of running businesses I watched companies fold under repayments, and families carry strain for years because of a number nobody had ever shown them in plain figures. A longer mortgage term, a few months on the wrong rate, a monthly commitment that caps what you can borrow: each of those is worth tens of thousands over the years, and each becomes obvious the moment somebody lays out the arithmetic. That is what the calculators are for.

You can find me on LinkedIn. Fiscalgrove builds tools and explains the maths; it is not a regulated financial or mortgage adviser, and nothing here is advice about your circumstances.

How Fiscalgrove is funded

Fiscalgrove is free to use. Some outbound links to brokers or comparison services are affiliate links, which means we may earn a commission at no extra cost to you. A commission never influences our calculators, our explanations, or which options we show. See our Affiliate Disclosure for the detail.

What we do (and don't do)

• We build calculators grounded in the same formulas lenders and government bodies use, never simplified approximations dressed up as exact figures.
• We clearly label every estimate, assumption, and default value, and explain where it comes from.
• We do not provide personalised financial, mortgage, or tax advice. See the disclaimer for the UK, US, Canada, Australia, New Zealand, or Ireland site.
• We do not accept payment to favour any specific lender, broker, or product in our content.

Start here

If you are not sure where to begin, these are the questions people arrive with most often:

• How much can I borrow? Work out a realistic maximum from your salary, deposit, and outgoings.
• What would overpaying save me? See how much interest and how many years an overpayment removes.
• What is PMI costing me, and when does it end? For US borrowers below 20% equity.
• Guides and worked examples covering all six markets, with every figure computed from scratch.

Get in touch

Spotted a figure that looks wrong, or have a suggestion for a new calculator? Visit our Contact page. We read every message and correct genuine errors promptly, with the correction logged per our Editorial Policy.