Finance
Loans, savings, investments and tax. Amounts in {{currency}} — per header.
Loans
Amortization schedule with extra payments
Full annuity schedule with monthly, yearly, and one-time extra payments — how much interest and time you save.
Use calculator →APR (simplified)
Simplified annualised borrowing-cost estimate — not statutory APRC. Amounts in USD.
Use calculator →Borrowing capacity
Indicative max payment and loan amount from income, obligations and DTI.
Use calculator →Cost of loan
Simplified loan-cost sketch (simple interest). Not all-in loan cost or statutory APRC. Amounts in USD.
Use calculator →Debt repayment
How long until one balance reaches zero at a fixed payment — with or without interest. Amounts in USD — as in the header.
Use calculator →Decreasing instalment
Declining instalment: fixed principal slice + interest on balance. Compare with equal annuity.
Use calculator →Default interest
Late-payment cost estimate: amount × annual rate × days. Educational — not legal advice. Amounts in USD — as in the header.
Use calculator →Down payment (%)
Down payment, financed loan and implied LTV from property value. Amounts in USD.
Use calculator →DTI — debt-to-income ratio
DTI = monthly debt payments ÷ monthly gross income × 100%. Educational guide only — not a credit decision. Amounts in USD.
Use calculator →Equal split (no interest)
Simple split: amount ÷ instalments, no interest — not a loan annuity. Amounts in USD.
Use calculator →Loan balance after N instalments
Snapshot: remaining principal after N annuity payments, or loan − paid. Not a full schedule. Amounts in USD (header).
Use calculator →Loan instalment
Cash-loan annuity instalment: totals and interest; optional extras/fees. Amounts in USD.
Use calculator →Loan margin
Margin + base → rate, instalment, and all-in cost; A/B compare. Amounts in USD.
Use calculator →Loan overpayment
Months and interest saved by overpaying a loan — monthly or as a lump sum.
Use calculator →LTV (loan to value)
LTV = loan ÷ value. Equity and financed share — from a known loan amount. Amounts in USD (header).
Use calculator →Mortgage — instalment
Mortgage P+I plus housing costs; optional LTV from price and down payment. Amounts in USD.
Use calculator →Simple margin × principal
Sketch: amount × margin %. Main tool: Loan margin.
Use calculator →Total cost of loan
All-in: instalment, interest, and fees outside the payment; offer compare. Amounts in USD.
Use calculator →Savings and deposits
Daily compounding
Interest with daily compounding.
Use calculator →Deposit — gain
Gain from a term deposit.
Use calculator →Interest with compounding
Gain with monthly compounding.
Use calculator →Nominal interest rate
Nominal vs effective rate.
Use calculator →Savings interest
Gain from deposit or savings account.
Use calculator →Tax
Capital gains tax (19%)
Tax on capital gains.
Use calculator →Disability pension contribution
Contribution for disability insurance.
Use calculator →Income tax (PIT)
Enter taxable income, a tax-free allowance and two rates to get an indicative income tax amount.
Use calculator →Income tax advance
Advance payment of income tax.
Use calculator →Inheritance tax
Tax on inheritance.
Use calculator →Net ↔ gross pay
Simple salary net ↔ gross using a tax rate you enter — not a full payroll simulation.
Use calculator →Pension contribution
Pension contribution. Amounts in USD — as per header.
Use calculator →Property tax
Annual property tax (estimate).
Use calculator →Sickness contribution
Sickness insurance contribution.
Use calculator →Social security contributions
Estimated contribution amount.
Use calculator →Tax on interest
Tax on deposit interest (e.g. 19%).
Use calculator →VAT (net/gross)
Net amount + VAT = gross. Rate e.g. 23%. Amounts in USD — as per header.
Use calculator →Budget and investments
Amount value after inflation
Purchasing power after years.
Use calculator →Annual equivalent cost
Annualised cost from one-off expense.
Use calculator →Bill discount
Discounted value of a bill.
Use calculator →CAGR (annual growth rate)
CAGR vs total return and simple average; years or months; optional real CAGR.
Use calculator →Company value (simplified)
Estimate based on multiplier.
Use calculator →Currency converter
Convert amount from one currency to another.
Use calculator →Dividend yield
Dividend rate (%).
Use calculator →Emergency fund
How many months savings will last.
Use calculator →Fixed asset depreciation
Annual depreciation (%).
Use calculator →Future value (FV)
Future value of capital with compounding and optional contributions. Amounts in USD.
Use calculator →Home insurance
Building / contents insurance premium.
Use calculator →Household budget
Monthly balance: income − expenses. Amounts in USD — as in the header.
Use calculator →IRR (internal rate of return)
What annual return a project implies — and whether it clears your required return.
Use calculator →NPV (net present value)
Multi-period NPV: initial outlay, yearly cash flows and a discount rate. Amounts in USD.
Use calculator →Present value (PV)
How much a future amount is worth today at a chosen discount rate. Amounts in USD.
Use calculator →Purchasing power (inflation)
Value of money after years at a given inflation rate.
Use calculator →Rainy-day fund
Recommended 3–6 months of expenses.
Use calculator →Rate of return
Total return between a starting and ending value (no mid-period cash flows). Amounts in USD.
Use calculator →Real rate of return
Fisher real return from nominal return and inflation; compared with the n − i shortcut.
Use calculator →Rent and area
Cost per m² or ft².
Use calculator →Where do you stand on income and wealth P
See how your income and net worth compare in your country and worldwide.
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