What can we help you with today?
Search through free tools or describe what you need — fast, no signup required.
Nothing found.
Most used
Business Loan
Calculate the payment and total cost of a business loan.
Fuel Price Today
Diesel, petrol and LPG prices today in lek per litre — indicative, updated periodically.
CV Maker
Create a professional CV online for free in Albanian, English or Italian. Pick a template, edit the sections and download a PDF, DOCX or JSON.
Markets Today (Gold & Crypto)
The price of gold (per gram) and Bitcoin/Ethereum today — converted into Lek at the current rate.
Work Hours
Calculate hours worked from clock-in/out times and breaks.
Customs & Import
Calculate customs duties, excise and VAT for imported goods and cars.
Savings Goal
How long it takes to reach a target amount, based on monthly savings and interest.
Exchange Rates
Check exchange rates and convert amounts between common currencies.
Loan Calculator
Estimate monthly loan payments from principal, interest rate and term.
Shfaq sipas:
Salary, tax, VAT, loans, customs and everyday money calculators for Albania and Kosovo.
- Net SalaryCalculate net pay from gross salary, with employee social and health contributions and income tax.
- VATAdd or remove VAT from an amount with Albanian rates, and see the price with and without VAT.
- Income TaxCalculate personal income tax on salary using Albania's progressive brackets of 0%, 13% and 23%.
- Profit TaxCalculate business profit tax at the current rates.
- Contributions (Self-Employed)Calculate social and health insurance contributions for self-employed people.
- Loan CalculatorEstimate monthly loan payments from principal, interest rate and term.
- Loan RefinancingCompare your current loan with a new one to see the savings and the break-even point.
- Effective Rate (APR)Find the effective annual interest rate including fees and charges.
- Compound InterestSee how your savings grow with compound interest and regular contributions.
- Savings GoalHow long it takes to reach a target amount, based on monthly savings and interest.
- Simple InterestCalculate simple interest (I = P × r × t) and the total amount at the end.
- DiscountFind the price after a discount and how much you save, from the original price and the discount percentage.
- InflationSee the purchasing power of money over the years according to inflation.
- PensionEstimate your future pension from years of work and contributions.
- Retirement AgeFind your retirement age and how many years you have left.
- Debt PayoffHow much time and interest it takes to pay off debts (snowball/avalanche methods).
- Credit CardHow many months and how much interest it takes to clear a credit card balance.
- Debt-to-Income (DTI)Calculate your debt-to-income ratio (DTI) against monthly income.
- Personal BudgetSplit your income by the 50/30/20 rule: needs, wants, savings.
- Affordable RentFind the maximum monthly rent for your income.
- Affordable HomeThe maximum house price for your income and down payment.
- TipCalculate the tip and split the bill between people.
- CommissionCalculate the commission on a sale at a given rate and the net amount after commission.
- Profit MarginCalculate profit margin and markup from cost and selling price.
- Return on Investment (ROI)Calculate return on investment as a percentage and net profit, including annualised (CAGR).
- Late Payment InterestCalculate statutory late-payment interest on overdue payments.
- MortgageEstimate the monthly mortgage payment for a home from the down payment, interest rate and term.
- Car LoanCalculate the monthly instalment, total interest and total cost of a car loan, with down payment and loan term.
- Personal LoanCalculate the instalment, total interest and repayment schedule of a personal loan.
- Loan AmortizationThe full repayment plan: how much of each payment goes to principal and how much to interest.
- AnnuityCalculate the value or the periodic payment of an annuity.
- Term Deposit (CD)The maturity value of a fixed-term bank deposit with compounded interest.
- BondThe price, yield and coupon of a bond or treasury bill.
- Present Value (PV)What future money is worth today, according to the discount rate.
- Future Value (FV)What today's money will be worth in the future at a given growth rate.
- Internal Rate of Return (IRR)Calculate the internal rate of return of an investment with cash flows.
- Payback PeriodHow long it takes for an investment to recover its initial cost.
- Down PaymentCalculate the down payment needed and the loan amount from the price and a percentage.
- Rent or Buy?Compare the cost of renting with buying a home to see which is better value for you.
- Rental Property (Investment)Return on investment in a rental property (yield, cash flow).
- Business LoanCalculate the payment and total cost of a business loan.
- Debt ConsolidationCombine several debts into a single payment and see the possible savings.
- Depreciation (Asset Amortization)Calculate the annual depreciation of an asset (straight-line or declining).
- Average Annual ReturnThe average annual growth rate of an investment over several years.
- Leasing (Finance Lease)Calculate the monthly payment of a lease contract for a vehicle or equipment.
- Student LoanPlan the repayment of a student loan with its interest rate and term, including monthly instalments and total cost.
- Exchange RatesCheck exchange rates and convert amounts between common currencies.
- Currency ConverterConvert between Lek (ALL), Euro (EUR), Dollar (USD) and Pound (GBP).
- Markets Today (Gold & Crypto)The price of gold (per gram) and Bitcoin/Ethereum today — converted into Lek at the current rate.
- Customs & ImportCalculate customs duties, excise and VAT for imported goods and cars.
- Vehicle TaxCalculate the annual car tax: in Albania with the DPSHTRR formula (engine size, fuel, year), in Kosovo the road and ecological tax.
- Property TaxEstimate the annual tax on property by value or area.
- Bank FeesCompare bank fees for SEPA/SWIFT transfers, ATM withdrawals, card payments and maintenance — pick banks and see the cheapest.
- IBAN ValidatorCheck whether an Albanian/Kosovo IBAN is correct and identify the bank.
- Number to Words (Albanian)Turn an amount into Albanian words for invoices and cheques (e.g. 1234 → një mijë e dyqind...).
- Monthly PaymentCalculate the monthly payment for any kind of loan: personal, car, appliance or other financing.
- State PensionEstimate your monthly state pension from years of work, average salary and Albanian social insurance rules.
- Finance CalculatorAn all-round finance tool: calculate TVM, NPV, IRR and other financial operations.
- Mortgage PayoffCalculate how long it takes to pay off a mortgage with extra monthly or yearly payments.
- Interest RateFind the effective interest rate knowing the amount, monthly payment and term.
- Annuity PaymentCalculate the periodic annuity payment based on the rate, term and starting amount.
- Cost of StudyPlan the total cost of university including fees, books, living costs and inflation.
- Investment FundCalculate the expected return from investment funds including management fees.
- Cashback vs Low InterestCompare two financing offers: cashback with a normal interest rate vs a low interest rate with no bonus.
- Property ValueEstimate a property's value based on rental income, location and market conditions.
- Boat LoanCalculate the monthly payment and total cost of a loan to buy a boat.
- Home Equity LoanCalculate how much you can borrow against the equity in your home.
- Line of Credit (Home)Calculate the monthly payment and total cost of a home equity line of credit (HELOC).
- Pay RaiseCalculate the new salary after a raise as a percentage or fixed amount, with a before/after comparison.
- Hourly WageConvert a monthly or yearly salary into pay per working hour and vice versa.
- Civil Servant SalaryWork out an Albanian civil servant's gross and net pay: search your institution, pick your position, degree and years of service, with 2026 values of VKM 325/2023.
- OvertimeCalculate overtime pay under Albanian labour law (25% on working days, 50% on holidays).
- Break-Even PointFind the point where revenue covers costs — how many units must be sold to reach zero.
Try them yourself
Finance
Know exactly how much money you take home every month.