VAT
Add or extract VAT. Works with 23% in Poland, 19% in Germany, 20% in the UK, or any custom rate.
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Money and investing
VAT, loans, mortgages, compound interest, inflation, rental yield, IKE/IKZE and FIRE financial independence.
Tip
Calculate a tip from the bill amount and chosen percentage, then split the total equally between people.
Open calculatorSplit a bill
Split a bill (and optional tip) across any number of people so the individual shares add back to the exact total.
Open calculatorDiscount
Enter the original price and discount percentage to see the final sale price and exact savings.
Open calculatorMargin and markup
Calculate unit profit, gross profit margin (%) and markup (%) from unit cost and selling price.
Open calculatorBreak-even point
Calculate how many units you need to sell and what revenue is required to cover your fixed costs.
Open calculatorE-commerce & Marketplace Profit Margin Calculator
Estimate unit net profit, actual net margin, operational markup, and break-even price including marketplace fees, payment gateways, shipping, and taxes.
Open calculatorLoan overpayment
Fixed-rate loan amortisation. See how much time and total interest you save by paying extra each month.
Open calculatorDebt payoff timeline
Calculate how many months and how much total interest it will take to pay off a balance at a fixed APR and monthly payment.
Open calculatorDebt payoff strategy
List your debts (card, loan, instalments) and a monthly budget — see which payoff order costs less interest and which clears a debt sooner.
Open calculatorHousehold budget
Find out what is left each month, balance your spending with the 50/30/20 rule and trace your money flow from paychecks to savings.
Open calculatorMortgage
Calculate monthly mortgage payments, loan-to-value (LTV) and total interest for equal (annuity) or declining instalments.
Open calculatorRent vs buy
Compare total cash spent on a mortgage and home ownership against renting and investing your down payment over a chosen horizon.
Open calculatorRental yield
Calculate annual gross and net rental yield from property purchase price, monthly rent, vacancy rate and running costs.
Open calculatorProperty sale tax
See whether the sale is exempt, the gain, the taxable part after a housing expense, the tax and the net amount.
Open calculatorPolish inheritance and gift tax
Check the tax group, whether the close-family exemption applies, the tax-free amount, bracket tax and the filing deadline.
Open calculatorBuying power (Poland CPI)
Convert an amount of money between years using the average annual Polish CPI (GUS) or your own custom annual rate.
Open calculatorFuture price (Inflation)
Project what today’s price or expense will grow to after N years at a constant annual inflation rate.
Open calculatorCompound interest
Future value of a starting lump sum plus optional monthly contributions with compound growth.
Open calculatorInvestment fees impact
Compare two management fee levels and see how much capital and profit fees take over the long run.
Open calculatorCAGR (Compound Annual Growth)
Calculate the steady compound annual growth rate (CAGR) that takes a starting value to an ending value over N years.
Open calculatorROI (Return on Investment)
Calculate total percentage return on investment (ROI) and the annualised return over your holding period.
Open calculatorSimple payback period
Calculate how many years it takes for an annual saving or cash inflow to pay back an upfront investment.
Open calculatorSavings goal timeline
Calculate how many months and years of regular monthly saving it takes to reach your target pot (with optional interest).
Open calculatorSavings rate
Calculate what percentage of your monthly take-home income you set aside and your total annual savings.
Open calculatorEmergency fund
Calculate your target emergency cash buffer from essential monthly expenses and see how many months it will take to build.
Open calculatorFIRE number
Calculate your target financial-independence portfolio from annual spending and safe withdrawal rate, plus years to reach it.
Open calculatorDividend yield & income
Calculate dividend yield (%) and annual gross dividend cashflow from share price, annual dividend per share and share count.
Open calculatorSubscriptions tracker
Add up your recurring subscriptions (Netflix, Spotify, YouTube, cloud storage, AI tools and custom plans) to see your monthly and yearly total.
Open calculatorAI Subscriptions
Compare and sum costs for ChatGPT, Claude, Gemini, xAI Grok and developer AI tools.
Open calculatorCost of raising a child
Estimate cumulative spending on raising a child from average monthly expenses and number of years.
Open calculatorStatutory interest (Poland)
Calculate Polish statutory capital interest, late-payment interest, or commercial B2B late-payment interest from the NBP reference rate.
Open calculatorRule of 72
Estimate how many years it takes for a lump sum to double at a constant annual rate of return.
Open calculatorReal rate of return
Calculate your true inflation-adjusted annual return from a nominal return and inflation rate.
Open calculatorNPV (Net Present Value)
Calculate the net present value (NPV) of a constant annual cash inflow minus an upfront capital outlay.
Open calculatorAnnuity payout / loan payment
Calculate the fixed monthly payout (or loan payment) that brings a balance to zero over N years at a constant interest rate.
Open calculatorEffective annual rate (EAR)
Convert a nominal annual interest rate into the effective annual rate (EAR) based on compounding frequency.
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