{"id":2986,"date":"2025-12-06T17:56:03","date_gmt":"2025-12-06T06:56:03","guid":{"rendered":"https:\/\/chipkie.com\/?page_id=2986"},"modified":"2025-12-09T20:50:19","modified_gmt":"2025-12-09T09:50:19","slug":"family-loan-calculator","status":"publish","type":"page","link":"https:\/\/chipkie.com\/uk\/family-loan-calculator\/","title":{"rendered":"Family Loan Calculator"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2986\" class=\"elementor elementor-2986\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2189e9a e-con-full e-flex e-con e-parent\" data-id=\"2189e9a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-7e9461f e-con-full elementor-hidden-tablet elementor-hidden-mobile e-flex e-con e-child\" data-id=\"7e9461f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-97869d9 e-con-full e-flex e-con e-child\" data-id=\"97869d9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5e6aa69 e-flex e-con-boxed e-con e-child\" data-id=\"5e6aa69\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7d5e065 elementor-widget elementor-widget-heading\" data-id=\"7d5e065\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Family Loan Repayment Calculator by Chipkie<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b3c0d0 elementor-widget elementor-widget-heading\" data-id=\"6b3c0d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Planning a loan between friends or family members? Standard bank calculators often fail because they assume high interest rates and rigid terms.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f18409 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"6f18409\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"loan_start_wp\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/my.chipkie.com\/loans\/create\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-play-circle\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get Started<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a58a069 e-con-full elementor-hidden-tablet elementor-hidden-mobile e-flex e-con e-child\" data-id=\"a58a069\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7edd473 e-flex e-con-boxed e-con e-parent\" data-id=\"7edd473\" data-element_type=\"container\" data-e-type=\"container\" id=\"intro\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-bc7cbbd e-con-full e-flex e-con e-child\" data-id=\"bc7cbbd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-597cb53 elementor-widget elementor-widget-heading\" data-id=\"597cb53\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The Chipkie Family Loan Calculator is designed specifically for private lending<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ea3335c elementor-widget elementor-widget-text-editor\" data-id=\"ea3335c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-path-to-node=\"12\">Whether you are charging commercial interest or providing an interest-free loan (0% interest) to help a child enter the property market, this tool will calculate your exact weekly or monthly repayments instantly.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d0f7cbe e-flex e-con-boxed e-con e-parent\" data-id=\"d0f7cbe\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-62f13ed e-con-full e-flex e-con e-child\" data-id=\"62f13ed\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-72aa3ca elementor-widget elementor-widget-html\" data-id=\"72aa3ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\r\n  \/* --- BRAND CONTROL CENTER --- *\/\r\n  :root {\r\n    \/* REPLACE THESE TWO CODES WITH YOUR BRAND COLORS *\/\r\n    --ck-primary: #3182ce;       \/* Your Main Logo Color (Darker) *\/\r\n    --ck-secondary: #ebf8ff;     \/* Your Light Background Color (Lighter) *\/\r\n    --ck-success-bg: #c6f6d5;    \/* Savings Box Background (Green usually best for money) *\/\r\n    --ck-success-text: #22543d;  \/* Savings Box Text *\/\r\n  }\r\n\r\n  \/* --- CALCULATOR STYLES --- *\/\r\n  .chipkie-calc-container {\r\n    background: #ffffff;\r\n    border: 1px solid #e2e8f0;\r\n    border-radius: 16px;\r\n    padding: 30px;\r\n    max-width: 600px;\r\n    margin: 30px auto;\r\n    font-family: 'Inter', system-ui, -apple-system, sans-serif;\r\n    box-shadow: 0 10px 25px -5px rgba(0, 0, 0, 0.1);\r\n    border-top: 6px solid var(--ck-primary); \/* Brand Color Top Border *\/\r\n  }\r\n\r\n  .chipkie-header h3 {\r\n    margin: 0 0 5px 0;\r\n    color: #1a202c;\r\n    font-size: 1.6rem;\r\n    font-weight: 700;\r\n    text-align: center;\r\n  }\r\n  \r\n  .chipkie-header p {\r\n    color: #718096;\r\n    font-size: 0.95rem;\r\n    text-align: center;\r\n    margin-bottom: 25px;\r\n  }\r\n\r\n  .chipkie-grid {\r\n    display: grid;\r\n    grid-template-columns: 1fr 1fr;\r\n    gap: 20px;\r\n  }\r\n\r\n  @media (max-width: 500px) { .chipkie-grid { grid-template-columns: 1fr; } }\r\n\r\n  .chipkie-input-group { margin-bottom: 18px; }\r\n\r\n  .chipkie-label {\r\n    display: block;\r\n    margin-bottom: 8px;\r\n    font-weight: 600;\r\n    color: #4a5568;\r\n    font-size: 0.9rem;\r\n  }\r\n\r\n  .chipkie-input, .chipkie-select {\r\n    width: 100%;\r\n    padding: 12px;\r\n    border: 2px solid #e2e8f0;\r\n    border-radius: 8px;\r\n    font-size: 1rem;\r\n    transition: all 0.2s;\r\n    box-sizing: border-box;\r\n    color: #2d3748;\r\n  }\r\n\r\n  \/* Focus state uses Brand Color *\/\r\n  .chipkie-input:focus, .chipkie-select:focus {\r\n    border-color: var(--ck-primary);\r\n    outline: none;\r\n    box-shadow: 0 0 0 3px rgba(0, 0, 0, 0.05);\r\n  }\r\n\r\n  .chipkie-results {\r\n    background: var(--ck-secondary); \/* Brand Light Background *\/\r\n    border-radius: 12px;\r\n    padding: 25px;\r\n    margin-top: 25px;\r\n    border: 1px solid rgba(0,0,0,0.05);\r\n  }\r\n\r\n  .result-row {\r\n    display: flex;\r\n    justify-content: space-between;\r\n    align-items: center;\r\n    margin-bottom: 12px;\r\n  }\r\n\r\n  .result-label { color: #4a5568; font-size: 0.95rem; }\r\n  \r\n  \/* Result values use Brand Color *\/\r\n  .result-value {\r\n    font-weight: 700;\r\n    color: var(--ck-primary);\r\n    font-size: 1.1rem;\r\n  }\r\n\r\n  .result-main {\r\n    margin-top: 15px;\r\n    padding-top: 15px;\r\n    border-top: 2px solid rgba(0,0,0,0.1);\r\n  }\r\n  \r\n  .result-main .result-value {\r\n    font-size: 1.8rem;\r\n    color: var(--ck-primary);\r\n  }\r\n\r\n  .savings-box {\r\n    background: var(--ck-success-bg);\r\n    color: var(--ck-success-text);\r\n    padding: 15px;\r\n    border-radius: 8px;\r\n    text-align: center;\r\n    margin-top: 20px;\r\n    font-size: 0.95rem;\r\n    font-weight: 500;\r\n    display: none;\r\n    animation: fadeIn 0.5s ease-in;\r\n  }\r\n\r\n  @keyframes fadeIn { from { opacity: 0; transform: translateY(5px); } to { opacity: 1; transform: translateY(0); } }\r\n<\/style>\r\n\r\n<div class=\"chipkie-calc-container\">\r\n  <div class=\"chipkie-header\">\r\n    <h3>Family Loan Calculator<\/h3>\r\n    <p>See how much you save with the \"Bank of Mum & Dad\"<\/p>\r\n  <\/div>\r\n\r\n  <div class=\"chipkie-input-group\">\r\n    <label class=\"chipkie-label\">Loan Amount ($)<\/label>\r\n    <input type=\"number\" id=\"ck-amount\" class=\"chipkie-input\" value=\"20000\" oninput=\"ckCalculate()\">\r\n  <\/div>\r\n\r\n  <div class=\"chipkie-grid\">\r\n    <div class=\"chipkie-input-group\">\r\n      <label class=\"chipkie-label\">Interest Rate (%)<\/label>\r\n      <input type=\"number\" id=\"ck-rate\" class=\"chipkie-input\" value=\"0\" step=\"0.1\" oninput=\"ckCalculate()\">\r\n    <\/div>\r\n    <div class=\"chipkie-input-group\">\r\n      <label class=\"chipkie-label\">Loan Term (Months)<\/label>\r\n      <input type=\"number\" id=\"ck-term\" class=\"chipkie-input\" value=\"36\" oninput=\"ckCalculate()\">\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div class=\"chipkie-input-group\">\r\n    <label class=\"chipkie-label\">Repayment Frequency<\/label>\r\n    <select id=\"ck-freq\" class=\"chipkie-select\" onchange=\"ckCalculate()\">\r\n      <option value=\"1\">Monthly<\/option>\r\n      <option value=\"2\">Fortnightly<\/option>\r\n      <option value=\"4.33\">Weekly<\/option>\r\n    <\/select>\r\n  <\/div>\r\n\r\n  <input type=\"hidden\" id=\"ck-bank-rate\" value=\"8.5\">\r\n\r\n  <div class=\"chipkie-results\">\r\n    <div class=\"result-row\">\r\n      <span class=\"result-label\">Total Interest Payable<\/span>\r\n      <span class=\"result-value\" id=\"ck-total-int\">$0.00<\/span>\r\n    <\/div>\r\n    <div class=\"result-row result-main\">\r\n      <span class=\"result-label\">Your Repayment<\/span>\r\n      <span class=\"result-value\" id=\"ck-repayment\">$0.00<\/span>\r\n    <\/div>\r\n    \r\n    <div id=\"ck-savings-box\" class=\"savings-box\">\r\n      <span style=\"display:block; font-size: 1.2rem; margin-bottom: 4px;\">\ud83c\udf89 Smart Move!<\/span>\r\n      You save <span style=\"font-weight: 800;\" id=\"ck-savings\">$0<\/span> compared to a standard bank loan.\r\n    <\/div>\r\n  <\/div>\r\n<\/div>\r\n\r\n<script>\r\n  function ckCalculate() {\r\n    const amount = parseFloat(document.getElementById('ck-amount').value) || 0;\r\n    const rate = parseFloat(document.getElementById('ck-rate').value) || 0;\r\n    const months = parseFloat(document.getElementById('ck-term').value) || 0;\r\n    const freqMultiplier = parseFloat(document.getElementById('ck-freq').value); \r\n    const bankRate = parseFloat(document.getElementById('ck-bank-rate').value);\r\n\r\n    if (amount <= 0 || months <= 0) return;\r\n\r\n    \/\/ 1. Calculate Chipkie Loan\r\n    const userCost = calculateAmortization(amount, rate, months);\r\n    \r\n    \/\/ 2. Calculate Comparison Loan\r\n    const bankCost = calculateAmortization(amount, bankRate, months);\r\n\r\n    \/\/ 3. Display Logic\r\n    let displayRepayment = userCost.monthly \/ freqMultiplier;\r\n    document.getElementById('ck-repayment').innerText = formatCurrency(displayRepayment) + (freqMultiplier > 4 ? \" \/ wk\" : freqMultiplier > 1 ? \" \/ fn\" : \" \/ mo\");\r\n    document.getElementById('ck-total-int').innerText = formatCurrency(userCost.totalInterest);\r\n\r\n    \/\/ 4. Savings Logic\r\n    const savings = bankCost.totalRepaid - userCost.totalRepaid;\r\n    const savingsBox = document.getElementById('ck-savings-box');\r\n    \r\n    \/\/ Only show savings if user rate is LOWER than bank rate\r\n    if (rate < bankRate && savings > 10) {\r\n      savingsBox.style.display = 'block';\r\n      document.getElementById('ck-savings').innerText = formatCurrency(savings);\r\n    } else {\r\n      savingsBox.style.display = 'none';\r\n    }\r\n  }\r\n\r\n  function calculateAmortization(p, r, m) {\r\n    if (r === 0) return { monthly: p \/ m, totalRepaid: p, totalInterest: 0 };\r\n    const monthlyRate = (r \/ 100) \/ 12;\r\n    const x = Math.pow(1 + monthlyRate, m);\r\n    const monthly = (p * x * monthlyRate) \/ (x - 1);\r\n    return { monthly: monthly, totalRepaid: monthly * m, totalInterest: (monthly * m) - p };\r\n  }\r\n\r\n  function formatCurrency(num) {\r\n    return '$' + num.toLocaleString('en-AU', { minimumFractionDigits: 2, maximumFractionDigits: 2 });\r\n  }\r\n\r\n  \/\/ Initialize\r\n  ckCalculate();\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-773117a elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"773117a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"768\" height=\"960\" src=\"https:\/\/chipkie.com\/uk\/wp-content\/uploads\/sites\/9\/2024\/04\/how-to-calculate-interest-rates-768x960.jpg\" class=\"attachment-medium_large size-medium_large wp-image-2425\" alt=\"how to calculate interest rates\" srcset=\"https:\/\/chipkie.com\/uk\/wp-content\/uploads\/sites\/9\/2024\/04\/how-to-calculate-interest-rates-768x960.jpg 768w, https:\/\/chipkie.com\/uk\/wp-content\/uploads\/sites\/9\/2024\/04\/how-to-calculate-interest-rates-240x300.jpg 240w, https:\/\/chipkie.com\/uk\/wp-content\/uploads\/sites\/9\/2024\/04\/how-to-calculate-interest-rates-819x1024.jpg 819w, https:\/\/chipkie.com\/uk\/wp-content\/uploads\/sites\/9\/2024\/04\/how-to-calculate-interest-rates.jpg 1080w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8f9d1f7 e-flex e-con-boxed e-con e-parent\" data-id=\"8f9d1f7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7b9ae67 elementor-widget elementor-widget-text-editor\" data-id=\"7b9ae67\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><b>How to use this calculator<\/b><\/h3><ul data-path-to-node=\"18\"><li><p data-path-to-node=\"18,0,0\"><b>Loan Amount:<\/b> Enter the total principal amount being lent (e.g., $50,000).<\/p><\/li><li><p data-path-to-node=\"18,1,0\"><b>Interest Rate:<\/b> Enter the agreed annual interest rate. If this is a &#8220;Bank of Mum and Dad&#8221; gift or soft loan, simply enter <b>0<\/b>.<\/p><\/li><li><p data-path-to-node=\"18,2,0\"><b>Loan Term:<\/b> Enter the total number of months the borrower has to pay the money back (e.g., 60 months for a 5-year loan).<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-86f00e5 e-flex e-con-boxed e-con e-parent\" data-id=\"86f00e5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-034853b e-con-full e-flex e-con e-child\" data-id=\"034853b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-550fa23 elementor-widget elementor-widget-text-editor\" data-id=\"550fa23\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><b>Why do I need to calculate repayments for a family loan?<\/b><\/h3>\n<p data-path-to-node=\"19\">Even if you trust your family member implicitly, a verbal agreement often leads to confusion. &#8220;Pay me back when you can&#8221; is the most dangerous phrase in family finance.<\/p>\n<p data-path-to-node=\"20\">Using a calculator to set a fixed repayment amount creates:<\/p>\n<ol start=\"1\" data-path-to-node=\"21\">\n<li>\n<p data-path-to-node=\"21,0,0\"><b>Discipline:<\/b> The borrower can budget for the expense.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"21,1,0\"><b>Transparency:<\/b> Both parties know exactly when the debt will be cleared.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"21,2,0\"><b>Fairness:<\/b> If there are siblings, documenting the loan ensures no accusations of favoritism later.<\/p>\n<\/li>\n<\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f697cce e-con-full e-flex e-con e-child\" data-id=\"f697cce\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-51ad7d4 e-con-full e-flex e-con e-child\" data-id=\"51ad7d4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-12adb0a elementor-widget elementor-widget-text-editor\" data-id=\"12adb0a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><b>Can I lend money to family at 0% interest?<\/b><\/h3>\n<p data-path-to-node=\"22\">Yes. In Australia, you are generally free to lend money to family members at whatever interest rate you choose, including 0%. This is often called an interest-free loan.<\/p>\n<p data-path-to-node=\"23\">However, if you do charge interest, that interest is considered <b>taxable income<\/b> by the ATO and must be declared on your tax return. The borrower generally cannot claim a tax deduction for the interest unless the loan is used for income-producing purposes (like buying an investment property).<\/p>\n<p data-path-to-node=\"24\"><i>&gt; <b>Note:<\/b> Chipkie does not provide tax advice. Please consult a qualified accountant regarding your specific situation.<\/i><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-18c90f7 e-con-full e-flex e-con e-child\" data-id=\"18c90f7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a11fdcd elementor-widget elementor-widget-text-editor\" data-id=\"a11fdcd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><b>Turning these numbers into a legal agreement<\/b><\/h3>\n<p data-path-to-node=\"25\">Calculating the repayment is step one. Step two is documenting it.<\/p>\n<p data-path-to-node=\"26\">Without a written agreement, a transfer of money can be mistaken for a gift by the courts (in family law disputes) or by the ATO. A formal <b>Family Loan Agreement<\/b> protects both the lender&#8217;s capital and the borrower&#8217;s relationship.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b2fb5c2 e-flex e-con-boxed e-con e-parent\" data-id=\"b2fb5c2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-9c228ee e-con-full e-flex e-con e-child\" data-id=\"9c228ee\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-12a94f7 elementor-widget elementor-widget-heading\" data-id=\"12a94f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Chipkie is free for everyone!<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-606c919 elementor-widget elementor-widget-text-editor\" data-id=\"606c919\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>At Chipkie, it\u2019s our mission to see your communities flourish through uncertain times. And as a country renowned for looking out for our mates, we want to make it easier to lend a hand when the people we love need it most. That\u2019s why it\u2019s 100% free to join, no hidden catches, no hidden fee\u2019s. Just good Karma.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7229bf4 elementor-align-left elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"7229bf4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/chipkie.com\/uk\/pricing\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Find out more<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-680bc08 e-con-full e-flex e-con e-child\" data-id=\"680bc08\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d2f2888 elementor-widget elementor-widget-image\" data-id=\"d2f2888\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"600\" height=\"463\" data-src=\"https:\/\/chipkie.com\/uk\/wp-content\/uploads\/sites\/9\/2023\/12\/high-five.png\" class=\"attachment-medium_large size-medium_large wp-image-1204 lazyload\" alt=\"High five for Chipkie!\" data-srcset=\"https:\/\/chipkie.com\/uk\/wp-content\/uploads\/sites\/9\/2023\/12\/high-five.png 600w, https:\/\/chipkie.com\/uk\/wp-content\/uploads\/sites\/9\/2023\/12\/high-five-300x232.png 300w\" data-sizes=\"(max-width: 600px) 100vw, 600px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600\/463;\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Family Loan Repayment Calculator by Chipkie Planning a loan between friends or family members? Standard bank calculators often fail because they assume high interest rates and rigid terms. Get Started The Chipkie Family Loan Calculator is designed specifically for private lending Whether you are charging commercial interest or providing an interest-free loan (0% interest) to &#8230; <a title=\"Family Loan Calculator\" class=\"read-more\" href=\"https:\/\/chipkie.com\/uk\/family-loan-calculator\/\" aria-label=\"Read more about Family Loan Calculator\">Read more<\/a><\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":10,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-2986","page","type-page","status-publish"],"_links":{"self":[{"href":"https:\/\/chipkie.com\/uk\/wp-json\/wp\/v2\/pages\/2986","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/chipkie.com\/uk\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/chipkie.com\/uk\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/chipkie.com\/uk\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/chipkie.com\/uk\/wp-json\/wp\/v2\/comments?post=2986"}],"version-history":[{"count":59,"href":"https:\/\/chipkie.com\/uk\/wp-json\/wp\/v2\/pages\/2986\/revisions"}],"predecessor-version":[{"id":3072,"href":"https:\/\/chipkie.com\/uk\/wp-json\/wp\/v2\/pages\/2986\/revisions\/3072"}],"wp:attachment":[{"href":"https:\/\/chipkie.com\/uk\/wp-json\/wp\/v2\/media?parent=2986"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}