Money & finance
Loan, mortgage, interest, savings and currency calculators that show how every payment is worked out, so you can check an offer yourself.
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Utilities
- A/B test significance calculatorConversion rates, lift, p-value and the confidence interval of an A/B test, with the sample size it needs., private, runs on your deviceCalculatorStatistics
- APR calculatorTurn the interest rate and the fees of a loan into one annual percentage rate (APR) by the EU formula., private, runs on your deviceCalculatorLoansInterest ratesCosts
- Bank barcode generatorTurn an IBAN, amount, reference and due date into the 54-digit virtual barcode and its image., private, runs on your deviceMedia and filesGeneratorEncoding
- Break-even calculatorSee the units and sales that cover your fixed and variable costs., private, runs on your deviceCalculatorCosts
- Business ID checkerCheck a Finnish business ID's check digit and get the matching VAT number., private, runs on your deviceCountry-specific: FinlandCheckerTaxes
- Car loan calculatorSee the monthly payment and full purchase cost, including your deposit, trade-in, tax and fees., private, runs on your deviceCalculatorLoansInterest ratesCosts
- Compound interest calculatorSee your final balance, what you put in and the interest earned, year by year., private, runs on your deviceCalculatorSavingsInterest rates
- Credit card payoff calculatorSee the months to a zero balance and the interest you pay, at a fixed payment or the card's minimum., private, runs on your deviceCalculatorLoansInterest ratesCosts
- Currency codesEvery currency in use today with its ISO 4217 code, numeric code, symbol, decimals and the countries that use it, in your language., private, runs on your deviceReferenceCurrency
- Currency converterConverts between about 30 currencies with the European Central Bank's daily reference rates, and shows the day they were set., private, runs on your deviceConverterCurrencyCosts
- Day-fine calculatorOne day-fine and the total fine from your net income and dependants, by the Finnish Criminal Code., private, runs on your deviceCountry-specific: FinlandCalculatorCosts
- Debt payoff calculatorSee when you are debt-free and what the interest costs, paying the highest rate or the smallest debt first., private, runs on your deviceCalculatorLoansInterest ratesCosts
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- Electricity cost calculatorTurn an appliance's power, daily use and your electricity price into kWh and cost., private, runs on your deviceCalculatorCostsEnergy
- Employer cost calculatorWhat a monthly salary costs a Finnish employer with pension, unemployment and health insurance contributions., private, runs on your deviceCountry-specific: FinlandCalculatorSalaryCosts
- Gift tax calculatorThe Finnish gift tax on a gift, with the giver's earlier gifts from the last three years added in., private, runs on your deviceCountry-specific: FinlandCalculatorTaxes
- IBAN checkerCheck an IBAN's check digits and see it in print form, part by part., private, runs on your deviceCheckerEncoding
- Inheritance tax calculatorThe Finnish inheritance tax on your share, by tax class, deductions and the scale for the date of death., private, runs on your deviceCountry-specific: FinlandCalculatorTaxes
- Late-payment interest calculatorStatutory penalty interest on an overdue Finnish debt: the reference rate plus 7 points, half-year by half-year., private, runs on your deviceCountry-specific: FinlandCalculatorInterest rates
- LED bulb savings calculatorCompare an old bulb with an LED: the energy and money saved a year and how soon the LED pays for itself., private, runs on your deviceEverydayCalculatorCostsEnergySavings
- Loan calculatorPayment, interest and fees of any loan: annuity or equal principal, monthly or less often., private, runs on your deviceCalculatorLoansInterest ratesCosts
- Margin calculatorSee the profit margin, markup and profit from cost and selling price., private, runs on your deviceCalculatorCostsTaxes
- Mileage allowance calculatorThe Finnish tax-free kilometre allowance and per diem for a work trip, at the Tax Administration's rates., private, runs on your deviceCountry-specific: FinlandCalculatorTaxesDistance
- Mortgage calculatorSee your monthly payment, total interest and how your loan shrinks over time., private, runs on your deviceCalculatorLoansInterest ratesHousing
- Net salary calculatorGross to net pay in Germany, Estonia or Finland, with every tax and contribution., private, runs on your deviceCountry-specific: Germany, Estonia, and FinlandCalculatorSalaryTaxes
- NPV and IRR calculatorDiscount a list of yearly cash flows to today's money and find the rate at which the investment breaks even., private, runs on your deviceCalculatorSavingsInterest rates
- Old currency converterMarkka, Deutsche Mark, franc, lira and every other former euro currency at its fixed euro rate, and the markka also in today's money., private, runs on your deviceConverterCurrencyCalculator
- Present value calculatorDiscount a future amount back to today's money at the rate you choose., private, runs on your deviceCalculatorInterest ratesSavings
- Reference number generatorCreate a Finnish reference number with its check digit, or check one, with the RF form., private, runs on your deviceCountry-specific: FinlandGeneratorChecker
- Refinance calculatorCompare a new payment with closing costs and the interest left on your current loan., private, runs on your deviceCalculatorLoansInterest ratesCosts
- Rent vs buy calculatorCompare renting and buying over the years you plan to stay, with every assumption in view., private, runs on your deviceCalculatorHousingLoansCosts
- ROI calculatorSee the total return, the gain and the yearly rate it equals., private, runs on your deviceCalculatorSavingsInterest rates
- Salary converterCompare gross pay using your own working schedule., private, runs on your deviceCalculatorCurrency
- Savings goal calculatorSee the monthly or yearly deposit that grows your savings to the goal on time., private, runs on your deviceCalculatorSavingsInterest rates
- Student loan repayment calculatorSee the monthly payment and total interest, with the Finnish Kela compensation and interest subsidy when they apply., private, runs on your deviceCalculatorLoansInterest rates
- Tipping by countryRestaurant, taxi and hotel tipping customs by country, from official tourism pages, with the tip and total for your bill., private, runs on your deviceEverydayCalculatorReferenceCosts
- Transfer tax calculatorThe Finnish transfer tax on a flat, a property or shares, at the rates for your contract date., private, runs on your deviceCountry-specific: FinlandCalculatorTaxesHousing
- Unit price comparisonCompare packs of different sizes by price per kilogram, litre or piece., private, runs on your deviceCalculatorCostsWeightVolume & capacity
- VAT calculatorAdd VAT to a price or take it out, with the standard and reduced VAT rates of your country., private, runs on your deviceCalculatorTaxesCosts
Each calculator here uses the same formulas banks and lenders use, and shows the parts of the result: the payment, the interest and how the balance falls. No accounts. No input tracking.
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