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RiverMath

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Numbers you need, without an account.

Health, money and everyday figures: BMI and sleep cycles, VAT, a mortgage, a heat pump and solar yield. Polish energy tariffs, payroll and tax rules live under Poland’s flag — language is not a country.

  • 118 calculators
  • Runs on your device
  • English, Polish, German

No sign-in. Results are calculated here. A server copy exists only if you turn it on — only the site owner can see it, with a PIN.

By country

Language is not a country. Polish G11 tariffs, payroll and tax rules sit under Poland’s flag, not in the generic English catalogue.

BMI

Body mass index from weight and height, using the WHO bands for adults.

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Body fat

The US Navy circumference method. A tape-measure estimate, not a DEXA scan.

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Calories

Basal metabolic rate from Mifflin–St Jeor, then a TDEE estimate from activity.

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Ideal weight

Devine ideal body weight from sex and height. A reference, not a goal you must hit.

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Daily water

A litres-per-day estimate from body weight and activity minutes.

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Macros

Split a daily calorie target into grams of protein, carbohydrate and fat.

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Waist-to-hip ratio

Waist divided by hip, a tape measure, not a DEXA scan.

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Weight change

Weeks to a target weight from a daily surplus or deficit, at 7700 kcal per kilogram.

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Steps to distance

Kilometres and a calorie sketch from steps, height and weight.

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Running pace

From distance and finish time: pace per kilometre and average speed.

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Race predictor

An estimate for 5 km, 10 km, the half marathon and the marathon from a distance you have already raced.

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One-rep max

Estimate a one-rep max from a set you already lifted, using Epley.

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Heart-rate zones

Karvonen zones from age and resting heart rate. Max HR is 220 minus age.

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VO2 max (Cooper)

A VO2 max sketch from the metres you cover in twelve minutes.

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Sleep cycles

A wake time or bedtime from 90-minute cycles plus the minutes you need to fall asleep.

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Sleep debt

Hours short of the sleep you wanted, over a run of nights.

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Caffeine left

How much of a dose is still in you after a number of hours.

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Fasting window

Hours fasted and the eating window from two clock hours.

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FFMI

Lean mass from body-fat percent, then FFMI from height.

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Protein target

Daily protein from kilograms and grams per kilogram.

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Max heart rate

Two textbook HRmax sketches from age.

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Body surface area

Mosteller surface area from height and weight.

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Ovulation window

A fertile window and a due-date sketch from the last period and cycle length.

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Pregnancy

Due date, gestational age and a fertile window from the last period and cycle length.

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VAT

Add or remove VAT. Handy for 23% in Poland, 19% in Germany, or any rate you set.

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Tip

Tip from a bill and a percent, then split the total between people.

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Split a bill

Split a bill (and an optional tip) so the shares add back to the total.

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Discount

Original price and percent off. See the sale price and what you save.

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Margin and markup

Profit, margin % and markup % from cost and selling price.

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Break-even

How many units cover fixed costs at your price and variable cost.

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Loan overpay

Fixed-rate amortisation. See what an extra monthly payment saves in time and interest.

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Debt payoff

Months to clear a balance at a fixed APR and a fixed payment.

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Mortgage

Monthly payment from price, down payment, rate and term. Equal or declining instalments.

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Rent vs buy

Cash spent on a mortgage plus housing costs versus rent, and a rough equity figure after a chosen number of years.

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Rental yield

Gross and net yearly yield from purchase price, rent, vacancy and running costs.

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Buying power

Move an amount between years with a Polish CPI sketch or with a rate you type.

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Future price

A sum after N years at a constant inflation rate.

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Compound interest

Future value of a starting amount plus optional monthly deposits.

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CAGR

The constant yearly rate that takes a start value to an end value.

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ROI

Gain over cost, and an annualised rate if you enter the years.

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Simple payback

Years until a yearly saving covers what you spent.

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Savings goal

How long a monthly deposit takes to reach a target, with optional interest.

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Savings rate

What share of monthly income you put aside, and the yearly pot.

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Emergency fund

A cash target from monthly spend × months, the gap, and how long the deposit takes.

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FIRE number

A nest egg from yearly spend and a withdrawal rate, then years of saving at a constant return.

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Dividend yield

Yield and yearly cash from a per-share dividend and how many shares you hold.

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Subscriptions

Popular subscriptions with current prices, custom lines and monthly and yearly totals.

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Child cost

A rough lifetime bill from what you spend in a month and how many years you count.

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Statutory interest

Simple interest from the NBP reference rate: ordinary, late-payment, or late payment in commercial deals.

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Rule of 72

Years for a lump to double at a constant yearly rate.

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Real return

A nominal yearly return stripped of inflation.

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NPV

Net present value of a constant yearly payment minus the outlay.

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Annuity payment

The monthly payment that empties a pot over the years at a fixed rate.

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Effective APR

The yearly rate after compounding n times.

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Solar yield

A year’s AC energy from array size, a typical regional yield and one or two roof planes.

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Solar sizing

How large a photovoltaic array would cover a chosen share of yearly electricity use.

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Solar payback

A simple payback period from net install cost, self-consumption and the buy and sell prices.

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PV kit

A bill of materials from real modules, mounts, cable, inverters and batteries, with a street-price sketch.

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Heat pump

A year’s space-heat demand from floor area and a rough insulation class, then electricity at a chosen SCOP versus gas.

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Cooling load

A first-pass air-con size from floor area and watts per square metre.

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Heating fuel comparison

The same yearly heat in gas, pellet, coal, wood, oil, resistance heat and a heat pump.

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Domestic hot water

Heat and electricity to raise daily litres by a temperature difference, then a running cost.

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Heat loss through a surface

Kilowatt-hours through a wall, window or roof from U, area and ΔT.

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Gas bill

A month of gas from cubic metres, a kWh factor, energy price and a fixed fee.

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Appliance cost

Kilowatt-hours and the bill for a device from watts and hours a day.

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Water and sewage

A period bill from cubic metres and the water and sewage prices.

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EV running cost

Cost per 100 km and per year for an electric car charged at home and at a public post, against a petrol car.

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EV charge time

Hours to move the battery between two states of charge.

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EV range

Kilometres from usable battery and kWh per 100 km, plus a colder-weather hit.

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Standby draw

A year of a device that never quite switches off.

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LED swap

Kilowatt-hours and money saved by swapping a bulb.

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Heating degree days

Season heat from heating degree days and a UA value.

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Percentage

What is x percent of y, what percent is a of b, and the percentage change from A to B.

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Percent change

How much a figure moved, as a percent of the starting value.

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Trigonometry

Sine, cosine and tangent of an angle in degrees, plus the radian.

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Pythagoras

Fill two sides of a right triangle; the third and the area come out.

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Quadratic

Real roots of a quadratic, or a linear fallback if a is zero.

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Logarithm

log_base(x), plus the natural log and the common log.

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Combinatorics

Factorial, permutations and combinations for whole n and r.

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GCD and LCM

Greatest common divisor and least common multiple of two integers.

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Circle

Diameter, circumference and area from a radius.

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Triangle area

Area of any triangle from three sides, if they close.

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Ohm’s law

Leave one of voltage, current or resistance empty; power comes with it.

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Newton’s second law

Leave one of force, mass or acceleration empty.

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Kinetic and potential

Translational kinetic energy and gravitational potential energy.

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Free fall

From rest: fill time or distance, leave the other empty.

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Ideal gas

Leave one of P, V, n or T empty. P in kPa, V in litres.

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Wave speed

Leave one of speed, frequency or wavelength empty.

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Density

Leave one of mass, volume or density empty.

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Snell’s law

The second angle from two indices and an incidence angle.

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Thin lens

Leave one of focal length, object distance or image distance empty.

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Unit converter

Weight, length, distance and temperature. Common units, no lookup table.

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Currency

Euro, zloty, dollar and the other ECB currencies. The reference rate from the last TARGET business day.

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Age

Exact age today from a date of birth.

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Dates

Days, weeks and weekdays between two dates, or a date plus a number of days.

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Hours

Hours between two clock times, minus a break. Also add minutes to a start time.

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Polish workdays

Count working days between two dates, skipping weekends and Polish public holidays, or add working days to a date.

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Trip fuel

Litres and cost for a trip from distance, consumption and price.

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Commute cost

A month of two-way driving from litres and parking, set against a season ticket.

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Car running cost

Yearly and monthly cost of keeping a car, including straight-line depreciation.

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Car lease payment

A monthly lease from price, down payment, residual value and APR.

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Breathalyzer

A drink diary with clock times. Estimated ‰ at the hour you choose. A model, not a device.

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Alcohol units

Grams of ethanol, 10 g drinks and UK units from volume and ABV.

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Time on the road

Hours and minutes for a distance at a constant speed.

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Monthly fuel

Litres and the bill for a month of kilometres.

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Recipe scale

Scale one amount from the servings the recipe was written for.

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Unit price

Which pack is cheaper per unit, and by what percent.

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Paint needed

Litres from wall area, coats and the tin’s m² per litre.

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Flooring

How many packs of floor from room area, waste and the box coverage.

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Dew point

The Magnus dew point from indoor or outdoor air temperature and relative humidity.

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Wind chill

How cold it feels from air temperature and wind speed.

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Wallpaper

How many rolls from wall perimeter, height, roll size and waste.

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Concrete slab

Cubic metres for a rectangular slab, with a waste percent.

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