VAT
Add or remove VAT. Handy for 23% in Poland, 19% in Germany, or any rate you set.
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Money calculators
VAT, loans, a mortgage, growth, a savings rate and a cash buffer.
Tip
Tip from a bill and a percent, then split the total between people.
Open a calculatorSplit a bill
Split a bill (and an optional tip) so the shares add back to the total.
Open a calculatorDiscount
Original price and percent off. See the sale price and what you save.
Open a calculatorMargin and markup
Profit, margin % and markup % from cost and selling price.
Open a calculatorBreak-even
How many units cover fixed costs at your price and variable cost.
Open a calculatorLoan overpay
Fixed-rate amortisation. See what an extra monthly payment saves in time and interest.
Open a calculatorDebt payoff
Months to clear a balance at a fixed APR and a fixed payment.
Open a calculatorMortgage
Monthly payment from price, down payment, rate and term. Equal or declining instalments.
Open a calculatorRent vs buy
Cash spent on a mortgage plus housing costs versus rent, and a rough equity figure after a chosen number of years.
Open a calculatorRental yield
Gross and net yearly yield from purchase price, rent, vacancy and running costs.
Open a calculatorBuying power
Move an amount between years with a Polish CPI sketch or with a rate you type.
Open a calculatorFuture price
A sum after N years at a constant inflation rate.
Open a calculatorCompound interest
Future value of a starting amount plus optional monthly deposits.
Open a calculatorCAGR
The constant yearly rate that takes a start value to an end value.
Open a calculatorROI
Gain over cost, and an annualised rate if you enter the years.
Open a calculatorSimple payback
Years until a yearly saving covers what you spent.
Open a calculatorSavings goal
How long a monthly deposit takes to reach a target, with optional interest.
Open a calculatorSavings rate
What share of monthly income you put aside, and the yearly pot.
Open a calculatorEmergency fund
A cash target from monthly spend × months, the gap, and how long the deposit takes.
Open a calculatorFIRE number
A nest egg from yearly spend and a withdrawal rate, then years of saving at a constant return.
Open a calculatorDividend yield
Yield and yearly cash from a per-share dividend and how many shares you hold.
Open a calculatorSubscriptions
Popular subscriptions with current prices, custom lines and monthly and yearly totals.
Open a calculatorChild cost
A rough lifetime bill from what you spend in a month and how many years you count.
Open a calculatorStatutory interest
Simple interest from the NBP reference rate: ordinary, late-payment, or late payment in commercial deals.
Open a calculatorHourly invoice
Net and gross for a block of billable days.
Open a calculatorHourly rate
Convert a yearly salary to an hourly rate, or the other way, from hours and working weeks.
Open a calculatorEffective hourly pay
Yearly net ÷ (work hours plus commute), so the hour in the car counts.
Open a calculatorRaise versus inflation
Nominal raise against inflation: the real percent and the salary that only keeps pace.
Open a calculatorSolar payback
A simple payback period from net install cost, self-consumption and the buy and sell prices.
Open a calculatorGas bill
A month of gas from cubic metres, a kWh factor, energy price and a fixed fee.
Open a calculatorRule of 72
Years for a lump to double at a constant yearly rate.
Open a calculatorReal return
A nominal yearly return stripped of inflation.
Open a calculatorNPV
Net present value of a constant yearly payment minus the outlay.
Open a calculatorAnnuity payment
The monthly payment that empties a pot over the years at a fixed rate.
Open a calculatorEffective APR
The yearly rate after compounding n times.
Open a calculatorCurrency
Euro, zloty, dollar and the other ECB currencies. The reference rate from the last TARGET business day.
Open a calculatorCommute cost
A month of two-way driving from litres and parking, set against a season ticket.
Open a calculatorCar running cost
Yearly and monthly cost of keeping a car, including straight-line depreciation.
Open a calculatorCar lease payment
A monthly lease from price, down payment, residual value and APR.
Open a calculatorMonthly fuel
Litres and the bill for a month of kilometres.
Open a calculatorUnit price
Which pack is cheaper per unit, and by what percent.
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