Finance calculators 2026
Country-agnostic calculators for the money questions that are not about payroll. Every tool charts the result over time, works in your currency and exports to PDF — no sign-up, nothing stored.
Compound interest →See how an initial amount plus regular monthly contributions grow with compound interest. Enter your deposit, monthly saving, expected annual return and horizon — the chart shows how much of the final balance is your own money versus interest.Loan →Calculate the monthly annuity payment and total interest for any fixed-rate loan — mortgage, car loan, or personal loan. Enter the loan amount, annual interest rate, and repayment term to see the exact monthly instalment and how much interest you will pay over the life of the loan.Savings goal →Find out how much you need to save each month to reach your savings goal. Enter your target amount, how much you have already saved, the expected annual return and the number of years — the calculator shows your required monthly saving and the chart illustrates how contributions and interest build up over time.Inflation →Inflation quietly erodes the purchasing power of money over time. Enter a fixed amount, an assumed average annual inflation rate and a time horizon — the calculator shows what today's money will actually be worth then, and how much a basket that costs that sum today would set you back in the future.Retirement →Estimates your private retirement pot — no state pension included. During the accumulation phase your savings grow with monthly contributions and compound returns; after retirement, a monthly income is drawn until the pot runs out.Debt payoff →Pay off several debts faster. Every debt gets its minimum, and any extra — plus the freed-up minimums of cleared debts — is thrown at one debt at a time. Compare the avalanche method (highest interest first, least total interest) with the snowball (smallest balance first, quick wins).Rent vs. buy →Should you rent or buy? This compares your wealth in each case over time: the buyer builds home equity, the renter invests the down payment and every euro the mortgage costs above the rent. See which comes out ahead and after how many years buying pays off. You supply every assumption.Pay rise →How much of a pay rise do you actually keep? Pick a country, enter your current gross and the raise, and see the real increase in your net pay — after tax and social contributions bite. Uses a single-person reference profile and the same source-verified rates as our salary calculators.Employer cost →What does an employee really cost the employer? Pick a country and a gross wage and see the total cost — the gross plus the employer's social contributions on top. Uses the same source-verified 2026 rates as our salary calculators.
Illustration only, not financial advice. Assumes a constant rate and regular intervals; real products vary. Verify with a professional.