Numbers and money
Finance & money
18 free tools for salary, loans and savings: gross to net pay, an amortization schedule and early repayment, how much mortgage you can get, the real APR of a loan, rent or buy, a 50/30/20 budget, your FIRE number, inflation and group expenses. They are estimates, not financial advice.
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Gross/net salary
Gross to net and back (Italy).
Amortization schedule
The mortgage table payment by payment, with interest.
Invoice due date
The exact day an invoice falls due at 30, 60 or 90 days, end of month rules included, plus the late payment interest if it is overdue.
Accrued holiday and time off
How much holiday and extra paid time you have accrued so far, and what is left in days and hours.
Freelance hourly rate
Work back from the yearly income you want to the minimum hourly and day rate you should charge.
Group expenses
Trips and dinners: who owes what to whom
All tools, A to Z 18
50/30/20 budget
Split your salary into needs, wants and savings.
Accrued holiday and time off
How much holiday and extra paid time you have accrued so far, and what is left in days and hours.
Amortization schedule
The mortgage table payment by payment, with interest.
Break-even point
How many units to sell to cover costs.
Debt payoff time
How many months to clear a debt, with interest.
Early repayment
Interest saved by increasing the payment.
FIRE number
The capital to live off investments (4% rule).
Freelance hourly rate
Work back from the yearly income you want to the minimum hourly and day rate you should charge.
Gross/net salary
Gross to net and back (Italy).
Group expenses
Trips and dinners: who owes what to whom
How much mortgage
The maximum mortgage from your income.
Inflation calculator
What money from years ago is worth today.
Invoice due date
The exact day an invoice falls due at 30, 60 or 90 days, end of month rules included, plus the late payment interest if it is overdue.
Lira ⇄ Euro
Convert old Lire to Euro and back.
Real APR calculator
The rate you really pay on a loan
Rent or buy?
Mortgage interest vs total rent.
ROI calculator
The % return of an investment and the profit.
TFR severance
Accrued severance from your gross salary.