Finance
Loans, savings, investments and tax. Amounts in {{currency}} — per header.
Loans
APR (simplified)
Annual percentage rate.
Use calculator →Cost of loan
Interest and total cost of loan.
Use calculator →Cost of loan (margin)
Total cost including margin.
Use calculator →Debt repayment
Months to repay at a fixed instalment.
Use calculator →Decreasing instalment
First and subsequent instalments.
Use calculator →Default interest
Interest for late payment (%).
Use calculator →Down payment (%)
Down payment in currency = value × percentage. Amounts in USD — as per header.
Use calculator →DTI (debt to income)
Ratio of installments to income.
Use calculator →Equal instalment (annuity)
Fixed instalment: loan amount ÷ number of instalments. Simplified — no interest. Amounts in USD — as per header.
Use calculator →Loan balance after N instalments
The remaining amount to repay is the difference between the loan amount and the sum of instalments already paid. All amounts use the currency selected in the page header.
Use calculator →Loan instalment
Monthly loan instalment (annuity).
Use calculator →Loan margin
Bank margin + reference rate (e.g. EURIBOR, SOFR) = nominal interest rate in %.
Use calculator →LTV (loan to value)
LTV = loan amount ÷ property value × 100%. Amounts in USD (as per header).
Use calculator →Mortgage — instalment
Monthly mortgage instalment.
Use calculator →Total cost of loan
Sum of instalments and interest to pay.
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)
Tax 12% / 32% on income.
Use calculator →Income tax advance
Advance payment of income tax.
Use calculator →Inheritance tax
Tax on inheritance.
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)
Compound annual growth rate.
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 →Home insurance
Building / contents insurance premium.
Use calculator →Household budget
Balance: income minus expenses.
Use calculator →Present value (NPV)
Discounting cash flows.
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
Percentage return on investment.
Use calculator →Real rate of return
Return rate minus inflation.
Use calculator →Rent and area
Cost per m² or ft².
Use calculator →