Loan Calculators
Amortization, auto loans and borrowing capacity — know your monthly cost.
Loan Amortization Calculator
A loan's real cost is the interest, not just the monthly payment. This calculator gives you the full picture: the fixed monthly payment, the total repaid and the total interest over the entire term.
Car Loan Calculator
The sticker price is only the start. Financing adds interest, and your down payment shapes both. This calculator turns a vehicle price and down payment into the monthly payment and total cost.
Debt-to-Income Ratio Calculator
Banks measure your credit risk with one number: the debt ratio. This calculator computes yours from your monthly debts and income, and shows how much margin you have before lenders start refusing.
Borrowing Capacity Calculator
How much can you really borrow? It is not a guess — it flows from your income, existing debts, the rate and the term. This calculator gives you the number lenders will reach on their side of the desk.
Salary After Tax Calculator
Your gross salary is not what lands in your bank account. Income tax and social contributions take a slice first. This calculator shows you exactly what you keep.
Hourly Salary Calculator
Annual pay is a full year of work. But your time is traded hour by hour. This calculator converts your yearly salary into the hourly, daily, weekly and monthly figures you can actually plan with.
Freelance Hourly Rate Calculator
Underpricing is the freelancer's most expensive mistake. This calculator builds your rate from the ground up: target income, billable hours, expenses and margin — so the number you quote is the number you can live with.
Freelance Rate Calculator
A bare hourly rate hides overheads and profit. This calculator layers overheads and a profit margin on top of your base rate, producing the final rate you actually invoice.
Profitability Calculator
Revenue is vanity, profit is sanity. This calculator takes your revenue and total expenses and gives you the three numbers that matter: absolute profit, profit margin and markup.
ROI Calculator
Is an investment worth it? ROI tells you how much you earn per euro invested, and the annualized figure lets you compare opportunities of different durations fairly.
Down Payment Calculator
The price tag is not what you pay upfront. A property purchase needs a down payment, purchase fees and often a loan. This calculator breaks down exactly how much cash you need before you sign anything.
Rental Yield Calculator
Is a rental property worth it? The answer starts with yield. This calculator gives you the gross yield everyone quotes, then the net yield that actually reflects your costs — the number that matters.
Loan Calculators
Amortization, auto loans and borrowing capacity — know your monthly cost.
Try it nowFrequently Asked Questions
Lenders generally accept a debt-to-income ratio up to 35%, and rarely above 45%. Lower is safer and improves your borrowing capacity.
It calculates a fixed monthly payment where each payment covers interest first, then principal. Over the term, the principal share grows while interest shrinks.
Yes — every calculator is 100% free, with no signup, no limit and no hidden cost.
No. All calculations run instantly in your browser. Your inputs are never sent to a server or saved.
They use standard financial formulas and are ideal for estimates. Actual figures can vary due to taxes, fees and local rules, so confirm critical numbers with a professional.
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