Financial calculators — from a loan payment to the tax on your deposit

Loan contract

Repay early, or keep to the schedule?

Both scenarios are computed by actual days: an early repayment re-amortises the plan from the next instalment on and shortens the term.

Interest saved562 844,57 ₽

Open the calculation

Keep to the schedule1 981 235,11 ₽

Repay early1 418 390,54 ₽

Interest overpaid. A 3 000 000,00 ₽ loan at 22% over 5 years, annuity — the demo figures of this page.

Mortgage calculator

A family mortgage at 6% — is it really 6%?

Anything above the programme's cap is lent at the market rate. The loan splits in two, and the rate you actually pay is the blend.

Blended rate13,7%

Run the mortgage

Loan12 000 000,00 ₽

Under the programme6 000 000,00 ₽
Above the cap6 000 000,00 ₽

A 12 000 000,00 ₽ loan: 6 000 000,00 ₽ under the programme, the rest at the 21,4% market rate. The cap comes from the programmes book — the demo figures of this page.

Compounding deposit

What is left of your deposit income after tax?

Interest is split across the calendar years it is paid in, and each year is charged against its own tax-free allowance.

Kept after tax1 176 358,60 ₽

Run the deposit

Interest credited1 288 508,44 ₽

Kept by the depositor1 176 358,60 ₽
Tax above the allowance112 149,84 ₽

A 3 000 000,00 ₽ deposit at 18% over 24 months, compounded monthly. The demo figures of this page.

Debt load (DTI)

Will they lend you one more?

DTI is the share of income going to obligatory payments. We show the income left and the headroom to the regulator ceiling.

Free income74 400,00 ₽

DTI38%

0%ceiling 50%100%

Income 120 000,00 ₽, obligatory payments 45 600,00 ₽ — 12 pp of headroom to the ceiling. The demo figures of this page.

Loan contract

Repay early, or keep to the schedule?

Both scenarios are computed by actual days: an early repayment re-amortises the plan from the next instalment on and shortens the term.

Interest saved562 844,57 ₽

Open the calculation

Keep to the schedule1 981 235,11 ₽

Repay early1 418 390,54 ₽

Interest overpaid. A 3 000 000,00 ₽ loan at 22% over 5 years, annuity — the demo figures of this page.

Scenario 1 of 4

Exact to the kopeckInterest is computed in exact fractions, not approximated. The browser and the server return the very same figure.How it works
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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.

Statutory interest (art. 395)Debt, the key rate period by period, a filing-ready calculation.

Tool 1 of 7

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.

Tool 1 of 4

Investing

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

DCA calculatorRegular contributions and price averaging.

Dividends & bondsDividend yield and bond yield to maturity.

Securities sale taxTax on the gain, the three-year relief and a tax-free account.

Portfolio builderAsset-class shares and the drift from your target plan.

Tool 1 of 4

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.

Income tax by countryWhat a salary leaves you with after tax and contributions in ten countries.

Currency converterConvert an amount between currencies at the official CBR rate.

Tool 1 of 8

This mark on a card means the calculator has a layout built for a phone.

The toolkit keeps growing — check back.

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