I needed all of them and could not find ones that answered the actual question rather than a simplified version of it. They are free, need no sign-up, show no ads, and run entirely in your browser — nothing you type ever leaves your computer.
Your loan replayed through the real Euribor history, month by month. Compare 1-, 3-, 6- and 12-month resets; stress-test the payment against 212 historical scenarios; see what paying extra actually saves and at which rate a fixed offer becomes a fair deal.
Open the calculator →Gross salary in, net salary out: income tax, social tax and pension contributions on 2024–2026 rates — so you can see what an offer really means before you accept it.
Open the calculator →Exchange or fixed price? One number answers it: how cheap a fixed package has to be before it pays off for you. Worked out from your own consumption and the real Nord Pool prices, hour by hour.
Open the calculator →How much an Estonian OÜ owner actually keeps when the money comes out as salary, as dividends, or as a mix of the two. 2026 rates, with the social tax floor and health insurance taken into account.
Open the calculator →Add VAT to a net price or take it back out of a gross one. Every 2026 Estonian rate in one place: 24%, 13%, 9% and 0%.
Open the calculator →The exchange price hour by hour and in 15-minute steps: cheapest and most expensive hour, daily average, with or without VAT. Tomorrow's prices arrive daily at about 14:00.
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