Finance Calculators for Albania & Kosovo

Calculate net pay from gross salary, with employee social and health contributions and income tax.

Add or remove VAT from an amount with Albanian rates, and see the price with and without VAT.

Calculate personal income tax on salary using Albania's progressive brackets of 0%, 13% and 23%.

Calculate business profit tax at the current rates.

Calculate social and health insurance contributions for self-employed people.

Estimate monthly loan payments from principal, interest rate and term.

Compare your current loan with a new one to see the savings and the break-even point.

Find the effective annual interest rate including fees and charges.

See how your savings grow with compound interest and regular contributions.

How long it takes to reach a target amount, based on monthly savings and interest.

Calculate simple interest (I = P × r × t) and the total amount at the end.

Find the price after a discount and how much you save, from the original price and the discount percentage.

See the purchasing power of money over the years according to inflation.

Estimate your future pension from years of work and contributions.

Find your retirement age and how many years you have left.

How much time and interest it takes to pay off debts (snowball/avalanche methods).

How many months and how much interest it takes to clear a credit card balance.

Calculate your debt-to-income ratio (DTI) against monthly income.

Split your income by the 50/30/20 rule: needs, wants, savings.

Find the maximum monthly rent for your income.

The maximum house price for your income and down payment.

Calculate the tip and split the bill between people.

Calculate the commission on a sale at a given rate and the net amount after commission.

Calculate profit margin and markup from cost and selling price.

Calculate return on investment as a percentage and net profit, including annualised (CAGR).

Calculate statutory late-payment interest on overdue payments.

Estimate the monthly mortgage payment for a home from the down payment, interest rate and term.

Calculate the monthly instalment, total interest and total cost of a car loan, with down payment and loan term.

Calculate the instalment, total interest and repayment schedule of a personal loan.

The full repayment plan: how much of each payment goes to principal and how much to interest.

Calculate the value or the periodic payment of an annuity.

The maturity value of a fixed-term bank deposit with compounded interest.

The price, yield and coupon of a bond or treasury bill.

What future money is worth today, according to the discount rate.

What today's money will be worth in the future at a given growth rate.

Calculate the internal rate of return of an investment with cash flows.

How long it takes for an investment to recover its initial cost.

Calculate the down payment needed and the loan amount from the price and a percentage.

Compare the cost of renting with buying a home to see which is better value for you.

Return on investment in a rental property (yield, cash flow).

Calculate the payment and total cost of a business loan.

Combine several debts into a single payment and see the possible savings.

Calculate the annual depreciation of an asset (straight-line or declining).

The average annual growth rate of an investment over several years.

Calculate the monthly payment of a lease contract for a vehicle or equipment.

Plan the repayment of a student loan with its interest rate and term, including monthly instalments and total cost.

Check exchange rates and convert amounts between common currencies.

Convert between Lek (ALL), Euro (EUR), Dollar (USD) and Pound (GBP).

The price of gold (per gram) and Bitcoin/Ethereum today — converted into Lek at the current rate.

Calculate customs duties, excise and VAT for imported goods and cars.

Calculate the annual road tax by engine size and the age of the car.

Estimate the annual tax on property by value or area.

Compare bank fees for SEPA/SWIFT transfers, ATM withdrawals, card payments and maintenance — pick banks and see the cheapest.

Check whether an Albanian/Kosovo IBAN is correct and identify the bank.

Turn an amount into Albanian words for invoices and cheques (e.g. 1234 → një mijë e dyqind...).

Calculate the monthly payment for any kind of loan: personal, car, appliance or other financing.

Estimate your monthly state pension from years of work, average salary and Albanian social insurance rules.

An all-round finance tool: calculate TVM, NPV, IRR and other financial operations.

Calculate how long it takes to pay off a mortgage with extra monthly or yearly payments.

Find the effective interest rate knowing the amount, monthly payment and term.

Calculate the periodic annuity payment based on the rate, term and starting amount.

Plan the total cost of university including fees, books, living costs and inflation.

Calculate the expected return from investment funds including management fees.

Compare two financing offers: cashback with a normal interest rate vs a low interest rate with no bonus.

Estimate a property's value based on rental income, location and market conditions.

Calculate the monthly payment and total cost of a loan to buy a boat.

Calculate how much you can borrow against the equity in your home.

Calculate the monthly payment and total cost of a home equity line of credit (HELOC).

Calculate the new salary after a raise as a percentage or fixed amount, with a before/after comparison.

Convert a monthly or yearly salary into pay per working hour and vice versa.

Calculate overtime pay under Albanian labour law (25% on working days, 50% on holidays).

Find the point where revenue covers costs — how many units must be sold to reach zero.