About LoanCalc Lab

LoanCalc Lab is an independent informational site published by Rodway Labs. It focuses on personal loans and debt-payoff tools — monthly payments (EMI), amortisation schedules, consolidation break-even, snowball vs avalanche, refinance break-even, fee-adjusted true cost, and extra payments. The aim is calm, disclosed maths with labelled EXAMPLE figures so readers can see how numbers move under stated assumptions.

We are deliberately not a property remortgage site. LoanCalc Lab is for unsecured personal borrowing and multi-debt payoff planning. Mortgage and remortgage calculators belong elsewhere in the Rodway Labs family of tools.

Editorial purpose

Too many borrowing pages either hide the formula or bury the reader in sales copy. LoanCalc Lab’s editorial purpose is narrower: explain the instalment and payoff maths that sit behind a UK personal-loan illustration, show where fees change effective cost, and keep guides tied to working calculators. Articles use UK English, sterling EXAMPLES, and clear “what this is not” boundaries.

We publish guides and glossary terms that deepen the same topics the tools compute — EMI, amortisation, APR / true cost, consolidation, snowball and avalanche — so a searcher finds more than a bare widget. Content is written to be useful without claiming to know a reader’s credit file, income or lender offer.

What we are not

• Not a lender, bank or credit broker
• Not a credit offer or personalised financial advice
• Not a substitute for the lender’s disclosure or pre-contract information
• Not a property remortgage or mortgage-comparison product
• Not a debt-management, insolvency or regulated advice service

UK is the primary audience

Written first for UK borrowers using sterling. MoneyHelper and FCA consumer-credit framing inform product-norm wording where we cite it. Other country modes on calculators are optional toggles for currency symbols and payment labels (for example EMI vs monthly repayment) — not equal home markets and not a claim that foreign lending rules are covered. See country mode help.

How we check numbers

Formulae are documented on each tool. Shared EXAMPLE Loan A (£8,500 · 24.9% EXAMPLE · 48 months · £0 fee) and EXAMPLE Loan B (£12,000 · 16.9% EXAMPLE · 60 months · £195 fee) keep worked figures consistent across pages. Guides that state a UK product norm cite MoneyHelper or the FCA where relevant and carry a last-checked date. EXAMPLE figures are always labelled EXAMPLE.

Corrections and factual challenges: email hello@loancalclab.net. We update pages when we find an error in the illustrative maths or when a cited public guidance page has moved.

How these tools are built and checked

The calculators and guides are written and maintained by Rodway Labs. Each calculator page explains its method step by step, in the same order the code works, and includes a case study whose figures come from running that calculator. Before each release, an automated check confirms the core loan identities (payments repay the amount borrowed, schedules end at zero, a 0% loan splits evenly) and re-runs every published example to the penny.

• Sources: the FCA and its Handbook, MoneyHelper, the Bank of England and legislation.gov.uk — linked where they are used.
• Dates: each calculator, hub and guide shows when it was last checked. A date changes only when the substance has been checked again.
• Corrections: email hello@loancalclab.net with the page and the problem.
• Independence: funded by Google AdSense only. No affiliate links, no broker kickbacks and no lead-generation forms.

The full process is set out in our editorial policy and standards.

Advertising and cookies

LoanCalc Lab may show Google AdSense units only after you accept advertising in the consent window. Ads.txt lists our publisher ID. See the cookie policy, privacy policy and advertising disclosure. We do not use on-site email capture forms.

Publisher

LoanCalc Lab is published by Rodway Labs. Rodway Labs is the trading name of an independent UK publisher. The site is informational and funded only by display advertising from Google AdSense, with no affiliate links or commissions. It is not a lender, broker or regulated financial adviser. Editorial content is attributed to Rodway Labs. No personal name or staff photo is published on this site on purpose. See the editorial standards and the calculator disclaimer.