Calculators

Calculate net interest yield on bank deposits taking into account compound capitalization, taxes (23% PIT/military levy) and real purchasing power inflation adjustments.

Calculate your financial independence number using the proven 4% Trinity Rule. Find out the exact years and milestones needed to retire early.

Visualize purchasing power destruction on uninvested cash over 1-20 years. Quantify the hidden cost of inaction versus high-grade government bonds.

Nobel laureate Robert C. Merton's lifecycle financial model: balanced consumption smoothing between human capital, savings, and lifetime annuities.

Rigorously compare homeownership versus renting and investing the difference into index funds (S&P 500 / MSCI World). Factors in mortgage interest, taxes, and 20-year net worth.

See how a seemingly tiny 1.5%-2.5% management fee silently confiscates 30%-40% of your total wealth over 25 years through lost compound growth.

Split savings between currencies and see what a fall of your home currency does to the total.

Design your optimal asset allocation based on risk tolerance: Conservative, 60/40 Balanced, All-Weather, or Aggressive Growth. Models expected CAGR and maximum drawdown.

Smart cash-flow rebalancing algorithm: realign your target weights using new contributions WITHOUT selling assets, avoiding capital gains taxes and transaction fees.

Opportunity cost calculator: discover how much future wealth you sacrifice by buying an item today instead of investing.

Personal inflation rate calculator based on your real spending basket vs official government statistics.

Total Cost of Ownership (TCO) for your car including fuel, maintenance, insurance, and depreciation vs taxi.

Audit your digital subscriptions and recurring financial leaks: see how much wealth is lost on unused services.