Dashboard
EN
2026 · Dmitry & Alina Bolshakova

Financial calculators for every decision about money

Amortiva is a set of free calculators: a loan contract by actual days, mortgage, refinancing, deposits, savings, taxes, budgeting and investing. Everything runs right in your browser, with formulas and reports.

Open the loan calculatorAll calculators
  • Exact to the kopeckInterest is computed in exact fractions, not approximated. The browser and the server return the very same figure.
  • An account, if you want oneOne step with an e-mail: your reports live in the account and open on any device. Without signing in, every calculator still works in full.
  • Data kept in RussiaAn account's reports are stored on servers in Russia. A guest's drafts never leave the browser at all.

Results are for reference only and are not financial advice.

Calculators

Pick a tool — your inputs are saved and the summary shows up on the dashboard.

Loans & debt

Contract by days, mortgage, refinancing, comparison and debt load.

  • Financial contractInterest, repayments and penalties by actual days.
  • Mortgage calculatorPayment, overpayment and schedule for a home loan.
  • RefinancingCompare the current loan with a new offer and the break-even.
  • Debt load (DTI)What share of income goes to mandatory payments.
  • Loan comparisonSeveral loan offers in one table: payment, overpayment and APR.
  • Debt-payoff strategiesAvalanche vs snowball: payoff time and interest.

Savings

Deposits, goals, an emergency fund and the road to financial independence.

  • Deposit with compoundingDeposit growth with compound interest and top-ups.
  • Saving to a goalHow much to set aside to reach a target in time.
  • Emergency fundTarget reserve size and how long to build it.
  • FIRE calculatorWhen your capital is enough to live on passive income.

Investing

Portfolio, dividends and bonds, dollar-cost averaging (DCA).

  • DCA calculatorRegular contributions and price averaging.
  • Dividends & bondsDividend yield and bond yield to maturity.
  • Portfolio builderAsset-class shares and the drift from your target plan.

Budget & planning

Daily budget, expense tracking, taxes, rent vs. buy and inflation.

  • Financial calendarPayments and events across the selected months.
  • Inflation calculatorThe purchasing power of money over time.
  • 50/30/20 budgetSplitting income by the 50/30/20 rule.
  • Income & expense ledgerSpending by article and a pie chart.
  • Rent vs. buyWhether renting or buying wins, and the break-even point.
  • Taxes and deductionsProgressive income tax and the refund your deductions bring back.
  • Currency converterConvert an amount between currencies at the official CBR rate.

The toolkit keeps growing — check back.