Calculators
Financial calculators: run the numbers before you ask
The tools I use at work, in an indicative version: you enter a few figures, you get an order of magnitude and a description of the method. Your data never leaves the browser.
For companies
Business valuation calculator
What the shares might be worth – before someone charges you to say it.
Poland income tax calculator 2027 (PIT)
The 2027 PIT reform: how much less you pay at your income.
Salary calculator 2026 and 2027
What stays in hand from employment, mandate and B2B – in 2026 and 2027.
Employer cost calculator 2026
What a position really costs – and whether B2B is cheaper or just looks it.
Break-even calculator (BEP) for a company
From what revenue the company stops losing money – and how much slack it has.
Cash flow calculator
Weeks to the wall and the size of the hole – two numbers to know today.
Capital needs calculator for a company
Not “how much I want to raise” but “how much I really need and what it costs me”.
How to raise company profit? EBITDA and cash calculator
Four levers computed separately – a better result without better cash is accounting.
Preparing a company for sale
A buyer always asks two things: who the clients are and what happens without you.
Acquisition check
Six numbers before you pay advisers to examine a target you would reject anyway.
EV to equity calculator
The price in the SPA is not EV. What eats equity value along the way.
Business loan calculator
Whether the company carries the instalment even when rates go up.
Personal finance
Mortgage, savings, PPK, IKE and IKZE, B2B or employment – the same rules of calculation as for companies, applied to a household budget.
Mortgage payment calculator with APR
What a mortgaged flat really costs and what happens to the instalment when rates rise.
Mortgage overpayment calculator
Same transfer, two modes: what you keep with a shorter term versus a lower instalment.
Mortgage affordability calculator 2026
A range before you see the bank – and which limit is binding.
Overpay the mortgage or invest? Comparison calculator
A fair comparison with capital-gains tax – and one number: the break-even return.
PPK calculator
Three scenarios on one screen: stay until 60, withdraw early, opt out.
IKE or IKZE? 2026 calculator
At which tax rate IKZE relief beats IKE – computed after exit taxes.
Polish treasury bond calculator
Which series pays most over your horizon – after fees, tax and inflation.
B2B or employment calculator 2026
A comparison that counts leave and sickness – and the invoice below which employment wins.
Buy or rent a flat? Cost comparison calculator
No “renting is throwing money away” – it counts both households’ net worth.
Savings calculator
A plan, not just a number: the monthly amount, the balance path and a safety cushion.
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