VAT
Add or extract VAT. Works with 23% in Poland, 19% in Germany, 20% in the UK, or any custom rate.
Open calculatorBrowse by topic
Money & loan calculators
VAT, loan overpayments, mortgages, compound interest, inflation, savings rate and emergency fund planning.
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 calculatorHourly & daily invoice
Calculate net, VAT and gross invoice totals from daily hours, hourly rate and billable days.
Open calculatorHourly ↔ annual pay
Convert an annual salary into an hourly rate (or an hourly rate into annual pay) from weekly hours and working weeks.
Open calculatorEffective hourly pay (incl. commute)
Divide your annual take-home pay by your combined work and commuting hours to see what your time actually earns.
Open calculatorRaise vs inflation
Compare a nominal salary raise against inflation to see your real purchasing-power change and the pay needed just to break even.
Open calculatorSolar PV payback
Calculate the simple payback period from net installation cost, self-consumption share, and grid buy/sell rates.
Open calculatorGas bill
Convert gas meter readings from cubic metres (m³) into kilowatt-hours (kWh) and calculate your monthly bill including standing charges.
Open calculatorSeptic tank pump-out
Estimate daily wastewater inflow, how many days it takes to fill a holding tank, pump-outs per year and annual emptying cost.
Open calculatorRainwater tank
Work out how many litres of rain your roof collects, which tank size is enough and how much you save on water and sewage.
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.
Open calculatorCurrency
Euro, zloty, US dollar and other ECB currencies using the reference rate from the latest TARGET business day.
Open calculatorCommute cost
Compare the monthly cost of driving to work (fuel and parking) against a monthly public-transit pass.
Open calculatorCar running cost (TCO)
Calculate the true annual car running cost and total car cost per year, month and kilometre (TCO), including depreciation, fuel, insurance and maintenance.
Open calculatorCar lease payment
Estimate a lease payment and total cost including buyout and fees. Enter your own terms or start from a documented offer and vehicle price on a selected date.
Open calculatorMonthly fuel cost
Calculate how many litres of fuel you burn and your monthly pump bill from monthly mileage.
Open calculatorUnit price comparison
Compare two pack sizes by price per unit (gram, millilitre or piece) and see which one is cheaper in percent.
Open calculator