Finance
Loans, savings, salaries, VAT and budgeting.
20 tools
VAT calculatorGo from net to gross price, or find the VAT contained in a displayed price.Discount calculatorFinal price after a discount, money saved, and stacked discounts.Loan calculatorMonthly payment, total cost, interest paid and the full amortisation schedule.Borrowing capacityHow much can you borrow on your income, under the 35% debt-to-income rule?Compound interestProject how savings grow with regular contributions, year by year.Simple interestNon-compounding interest on a capital, a duration and a rate.Savings goalHow much to set aside each month to reach an amount by a given date?Tip calculatorTip, total and split between guests, rounding included.Split expensesWho owes what to whom after a weekend, a flatshare or a group trip.Salary converterGo from an hourly rate to a monthly or yearly salary, and back.Gross to net salaryEstimate net pay from gross, using the contribution rate for your status.Monthly budget 50/30/20Split your income between needs, wants and savings, and see where you stand.Inflation calculatorWhat an amount of money was worth, or will be worth, with inflation.Subscription costAdd up every subscription and see the real annual total.Margin and markupGross margin, margin rate, markup rate and multiplier.Return on investment (ROI)Net gain, ROI and annualised return on an investment.Freelance day rateWhat day rate should you charge to reach the net income you want?Break-even pointHow many units must you sell to cover your fixed costs?Currency converterOfficial ECB exchange rates, updated every business day.IBAN checkerCheck an IBAN before sending a transfer — a typo shows up instantly.