Talous

Laske lainan kuukausierä, kokonaiskorko ja takaisinmaksun kokonaiskustannus lainan määrän, koron ja laina-ajan perusteella sekä ensimmäisen vuoden lyhennystaulukko.

Bulgarian nettopalkkalaskuri vuodelle 2026: tasavero 10%, sosiaalimaksut vakuutettavan tulon ylärajaan asti ja tulos sekä leveinä että euroina virallisella kiinteällä kurssilla.

Laske kuukausittainen autolainasi maksu, kokonaiskorko ja kokonaiskustannus ajoneuvon hinnasta, käsirahasta, korkokannasta ja laina-ajasta kuukausina.

Katso kuinka rahasi kasvaa koronkoron avulla eri korkojaksoilla.

Suomalainen nettopalkkalaskuri vuodelle 2026: progressiivinen valtion tulovero, kunnallisvero, kirkollisvero, TyEL-eläkemaksu ja työttömyysvakuutus – katso tarkalleen, mitä jää käteen.

Katso kuinka inflaatio nostaa rahan tulevaa kustannusta ja rapauttaa tietyn summan ostovoimaa useiden vuosien aikana.

Laske asuntolainan maksut lyhennysvapaajaksolla — kuukausierä jakson aikana ja sen jälkeen, kokonaiskustannukset ja jäljellä olevan velan käyrä. Tukee tanskalaisen realkreditin hallinnointimarginaalin (bidrag) laskentaa.

Laske kuukausittainen lainan kuukausierä (EMI), kokonaiskorko ja kokonaistakaisinmaksu mille tahansa lainasummalle, korolle ja laina-ajalle.

Laske kuukausittainen asuntolainamaksusi, kokonaiskorko ja kokonaiskustannus lainasummasta, vuotuisesta korkokannasta ja laina-ajasta vuosina.

Laske nettopalkka verojen jälkeen Ruotsin, Suomen, Tanskan ja Norjan esiasetusten avulla — kunnallisvero, valtionvero, sosiaaliturvamaksut ja verovähennykset, kaikki muokattavissa.

Muunna palkka tunti-, viikko-, kuukausi- ja vuosilukujen välillä käyttäen viikoittaisia työtuntejasi ja vuoden työviikkoja.

Katso kuinka paljon säästösi kasvavat säännöllisillä kuukausitalletuksilla ja koronkorolla, mukaan lukien kokonaismaksut ja kertynyt korko.

Laske yksinkertainen korko ja kokonaismäärä pääomalle, korolle ja ajanjaksolle.

Arvioi käteen jäävä (netto)palkka bruttotuloista omalla efektiivisellä veroprosentillasi. Maakohtaisesti riippumaton: toimii millä tahansa palkalla, palkanmaksuvälillä ja vähennyksillä.

Laske määräaikaistalletuksen erääntymisarvo ja korkotuotto — koronkorkolasku kuukausittain, kvartaaleittain tai vuosittain, sekä valinnainen lähdevero korosta.

Lisää ALV nettohintaan tai poista ALV bruttohinnasta näyttäen nettomäärän, ALV:n ja bruttosumman mille tahansa ALV-kannalle.

Etsi kannattavuusraja yksikköinä ja liikevaihtona kiinteistä kustannuksistasi, yksikköhinnastasi ja yksikkökohtaisesta muuttuvasta kustannuksesta.

Selvitä, kuinka kauan luottokortti- tai lainasaldon maksaminen kestää kiinteällä kuukausierällä, sekä kuinka paljon korkoa maksat matkan varrella.

Etsi alennusprosentti alkuperäisestä hinnasta ja myyntihinnasta, ja näe tarkalleen kuinka paljon rahaa säästät.

Laske rahan tuleva arvo rahan aika-arvon avulla. Ennusta kertasumman ja säännöllisten lisäysten kehitys korkoa korolle -kasvulla millä tahansa korolla, ajalla ja koronlaskentajaksolla.

Laske myyntihinta tuotteen kustannuksesta ja katuprosentista, sekä yksikkökohtainen voitto ja siitä syntyvä voittomarginaali.

Ennusta eläkepesämunasi nykyisestä iästäsi, eläkeiästä, nykyisistä säästöistä, kuukausittaisista maksuista ja odotetusta vuotuisesta tuotosta.

Laske sijoitetun pääoman tuotto (ROI) prosentteina, nettovoitto tai -tappio ja vuotuistettu tuotto sijoitusaikasi aikana.

Lisää myyntivero hintaan tai erottele vero verollisesta kokonaissummasta näyttäen nettohinnan, veron määrän ja bruttohinnan.

Project your 401(k) balance from salary, contribution %, employer match and expected return. Includes employer match modelling.

Project your 403(b) retirement balance for teachers, nurses and non-profit employees, including the 15-year catch-up rule.

Project your 529 college savings plan balance from current balance, monthly contributions and expected return.

Calculate the Average Daily Rate (ADR) for a hotel or rental property, plus occupancy rate and RevPAR from total room revenue.

Calculate AFFO, FFO, AFFO per share, and P/AFFO for REITs — the key metrics for evaluating real estate investment trust cash flow.

Calculate Additional Funds Needed (AFN) for financial planning: how much external financing a company must raise to support its projected sales growth.

Calculate your US Adjusted Gross Income (AGI) by subtracting above-the-line deductions from total gross income.

Calculate Average Propensity to Consume (APC) and Average Propensity to Save (APS) from income and spending.

Calculate the true Annual Percentage Rate (APR) of a loan including upfront fees, monthly payment, and total interest cost.

Calculate Annual Percentage Yield (APY) from a nominal interest rate and compounding frequency, including continuous compounding.

Calculate After Repair Value (ARV), net profit and ROI for fix-and-flip real estate. Includes the 70% rule maximum offer price.

Calculate Average Variable Cost (AVC = TVC ÷ Q) and optionally Average Fixed Cost and Average Total Cost from your production figures.

Calculate CAGR from beginning and ending values over any number of years — the smoothed annual growth rate for investments, revenue or any metric.

Calculate the expected return on an asset using CAPM: risk-free rate plus beta times the market risk premium. Plots the Security Market Line (SML).

Calculate the maturity value and interest earned on a Certificate of Deposit (CD). Enter the principal, APR, term and compounding frequency to see APY and final balance.

Calculate customer lifetime value (CLTV) from order value, purchase frequency, lifespan and gross margin, plus LTV:CAC ratio and payback period.

Calculate Cost of Goods Sold using beginning inventory, purchases and ending inventory — plus gross profit and gross margin if you enter revenue.

Calculate Cost Per Acquisition (CPA) from total ad spend and conversions, plus ROAS and profit when you add total revenue.

Calculate CPM (cost per 1,000 impressions), total ad cost, or total impressions for any digital advertising campaign.

Calculate Click-Through Rate (CTR) from clicks and impressions. Add ad cost to get CPC and CPM alongside your CTR.

Calculate Customer Acquisition Cost by dividing total sales and marketing spend by the number of new customers acquired in the same period.

Calculate net present value (NPV) by discounting annual cash flows at your required return rate. Includes terminal value and payback period.

Calculate how long it takes to pay off a debt and the total interest you will pay, given balance, interest rate, and monthly payment.

Calculate the Debt Service Coverage Ratio (DSCR) from net operating income and annual debt payments — used by lenders to assess loan eligibility.

Calculate your Debt-to-Income ratio (DTI) by entering monthly debt payments and gross income — see how lenders assess your borrowing capacity.

Convert a nominal interest rate to the Effective Annual Rate (EAR) for any compounding frequency — daily, monthly, quarterly, or continuous.

Calculate EBIT (Earnings Before Interest and Taxes) from revenue, COGS and operating expenses — with gross margin and EBIT margin.

Calculate EBT (Earnings Before Tax) from revenue, COGS, operating expenses and interest expense — and find the EBT margin.

Calculate the maturity corpus and Section 80C tax savings for an ELSS investment, for both lump sum and monthly SIP modes.

Calculate your monthly EMI, total interest and see the outstanding balance curve for any loan amount, rate and tenure.

Calculate the Expected Monetary Value of a decision by weighting up to three scenarios by their probabilities and monetary outcomes.

Find the Economic Order Quantity (EOQ) that minimises total inventory cost — ordering cost balanced against annual holding cost.

Estimate your EPF corpus at retirement based on India's EPF contribution rules and the EPFO's 2023-24 interest rate of 8.15 % (editable).

Calculate basic and diluted Earnings Per Share (EPS) from net income, preferred dividends and share counts, plus the P/E ratio.

Calculate FFO, FFO per share, and P/FFO for REITs — the standard NAREIT metric for evaluating real estate investment trust operating performance.

Calculate your FIRE number, years to financial independence, and portfolio growth using the 4 % safe withdrawal rule and compound returns.

Calculate GDP using the expenditure approach: GDP = C + I + G + (X − M). See each component's share of total output.

Calculate GRP (Gross Rating Points), Cost Per Point (CPP) and Cost Per Thousand (CPM) for any advertising campaign. Enter reach, frequency and spend to plan media budgets.

Calculate the Herfindahl-Hirschman Index (HHI) to measure market concentration — enter up to 10 firm market shares to get the index and DOJ classification.

Project IRA balance growth to retirement, compare Traditional (pre-tax) vs Roth (post-tax) after-tax values, based on 2025 contribution limits.

Calculate the Liquidity Coverage Ratio (LCR) per Basel III: HQLA divided by 30-day net cash outflows, with inflow cap applied.

Calculate Loss Given Default (LGD), recovered amount, and Expected Loss (EL) from EAD, recovery rate and probability of default.

Calculate your monthly loan payment, total interest, total cost of credit and APR for any loan amount, rate, term and upfront fee.

Calculate the LTV ratio for a mortgage or home loan, your equity percentage, and whether PMI is likely required.

Calculate your 2024 MAGI for Roth IRA contributions and traditional IRA deductibility — enter AGI plus common add-backs.

Calculate the Marginal Propensity to Consume (MPC), Marginal Propensity to Save (MPS), and the Keynesian fiscal multiplier from income and spending changes.

Calculate the Marginal Propensity to Save (MPS), MPC, and the Keynesian fiscal multiplier from income and savings changes across two periods.

Calculate Market Value Added (MVA) — the difference between a firm's market capitalisation and book equity — to measure wealth created for shareholders.

Calculate Net Asset Value (NAV) per share for mutual funds, ETFs, or investment companies, plus the premium or discount to market price.

Calculate the Net Promoter Score (NPS) from Promoter, Passive, and Detractor counts with a segment breakdown.

Calculate the Net Stable Funding Ratio (NSFR) for Basel III compliance — check whether Available Stable Funding meets Required Stable Funding.

Calculate your full monthly mortgage payment (PITI): Principal, Interest, property Taxes and homeowners Insurance — plus PMI if applicable.

Calculate monthly and annual PMI, your loan-to-value ratio, and when PMI will drop off your mortgage.

Calculate PPF maturity value, total interest earned and corpus growth year by year for any deposit amount, rate and period.

Calculate the PPP-implied exchange rate between two currencies from basket prices and compare it to the actual market rate to reveal over/under-valuation.

Calculate PVGO (Present Value of Growth Opportunities) to split a stock price into its no-growth earnings value and the market premium placed on future growth.

Calculate the maturity value and interest earned on a Recurring Deposit (RD). Enter your monthly installment, interest rate and term to see the total payout.

Calculate your rent-to-income ratio, total housing cost and monthly surplus. See whether your rent passes the 30% rule and how it fits into your overall budget.

Calculate your IRS Required Minimum Distribution (RMD) from a traditional IRA or 401(k) using the 2022 Uniform Lifetime Table.

Calculate Return on Assets (ROA) as net income divided by average total assets — a key measure of how efficiently a company uses its asset base to generate profit.

Calculate Return on Ad Spend (ROAS) as the ratio of ad-attributed revenue to ad spend. Enter optional COGS to see gross profit after advertising costs.

Calculate Return on Equity (ROE) as net income ÷ average shareholders' equity, with optional DuPont decomposition into margin, turnover and leverage.

Calculate Return on Invested Capital (ROIC) as NOPAT divided by invested capital — the gold-standard metric for assessing whether a business creates or destroys shareholder value.

Calculate Return on Sales (ROS): operating profit divided by net revenue, expressed as a percentage — the operating margin.

Calculate the Relative Strength Index (RSI) from average gain and average loss over a period — with overbought/oversold signal zones.

Calculate the maturity value of India's Sukanya Samriddhi Yojana account — annual deposits, compound interest, total interest earned.

Calculate how long your investment corpus lasts with a fixed monthly withdrawal and expected annual return rate.

Calculate OSHA's Total Recordable Incident Rate (TRIR) and benchmark your workplace safety against US industry averages.

Calculate Value at Risk (VaR) and Expected Shortfall (CVaR) for a portfolio using the parametric normal-distribution method at 90–99.9 % confidence.

Calculate WACC using equity and debt market values, cost of equity (CAPM), pre-tax cost of debt, and the corporate tax rate for the interest tax shield.