Finanse

Kalkulator Kredytu Biznesowego

Estimate payments, total interest, and amortization for a business loan.

Kalkulator Wyceny Firmy

Estimate business value via revenue multiple, EBITDA, book value, or DCF.

Kalkulator Budżetu Firmy

Roll up monthly income and expenses across categories.

Kalkulator Kosztu Pracy

Fully-loaded labor cost including benefits and payroll taxes.

Kalkulator Roboczogodzin

Total man-hours from workers × hours × days.

Kalkulator Prowizji Sprzedażowej

Compute commission across flat, tiered, or base+commission structures.

Kalkulator Burn Rate

Monthly burn and cash runway from expenses and revenue.

Kalkulator Wskaźnika Rezygnacji

Customer and revenue churn with average customer lifetime.

Koszt Pozyskania Klienta

CAC plus LTV:CAC ratio for unit-economics sanity.

Kalkulator Współczynnika Konwersji

Conversions ÷ visitors, with benchmarks and reverse mode.

Kalkulator Współczynnika Odrzuceń

Single-page sessions ÷ total sessions.

Kalkulator CTR

Clicks ÷ impressions, with channel benchmarks.

Kalkulator CPM

Solve any of CPM, cost, or impressions given the others.

Kalkulator CPC/CPM

Clicks, impressions, and estimated conversions for an ad budget.

Kalkulator CPA

Ad spend ÷ conversions.

Kalkulator ROAS

Revenue ÷ ad spend, with break-even benchmark.

Kalkulator AdSense

Estimate AdSense earnings from pageviews, CTR, and CPC.

Kalkulator Zarobków na YouTube

Estimate YouTube earnings from views and RPM.

Kalkulator Przychodów z Reklam

Monthly ad revenue from pageviews, RPM by niche, and fill rate.

Kalkulator Okresu Zwrotu

Years to recover an investment from cash inflows.

Kalkulator Wskaźnika Fluktuacji

Employees lost ÷ employees at start.

Kalkulator Wskaźnika Rotacji

Separations ÷ average headcount, with replacement cost.

Kalkulator Marży Kontrybucyjnej

Per-unit and total CM, with break-even units.

Kalkulator Kosztu Sprzedanych Towarów

Cost of goods sold from beginning + purchases − ending inventory.

Średni Koszt Stały

Total fixed costs spread over quantity produced.

Kalkulator FTE

Full-time equivalents from part-time hours.

Kalkulator FIFO

COGS and ending inventory under FIFO accounting.

Kalkulator GMROI

Gross margin return on inventory investment.

Kalkulator HHI

Herfindahl-Hirschman Index from up to 8 market shares.

Kalkulator Kosztów Startupu

One-time + ongoing × runway months.

Kalkulator Kosztu Pracownika

Total annual employee cost: salary, benefits, payroll tax, overhead.

Run Rate Przychodów

Annualize revenue from a partial period.

Kalkulator Udziału w Rynku

Company revenue ÷ total market size.

Kalkulator Ceny Jednostkowej

Cost per unit, suggested retail, and bulk-discount table.

Kalkulator Kosztu na Lead

Marketing spend ÷ leads, with channel benchmarks.

Kalkulator Współczynnika Otwarć Email

Open rate, click rate, and CTOR with benchmarks.

Kalkulator Współczynnika Bradforda

HR absence-pattern score: S² × D.

Kalkulator Stawek Konsultingowych

Daily and hourly rate needed to hit a target take-home.

Kalkulator LTV SaaS

Lifetime value from ARPA, margin, and monthly churn.

Kalkulator Metryk SaaS

Net MRR churn, NRR, ARPU, ARR — the core SaaS dashboard.

Wskaźnik Sell-Through

Units sold ÷ units received.

Kalkulator Stawki Influencera

Estimate sponsored content rates by platform and following.

Kalkulator EVM

SV, CV, SPI, CPI, EAC from PV, EV, AC.

Kalkulator EMV

Probability-weighted decision outcomes across scenarios.

Kalkulator Procentu Składanego

Future value with compounding and optional regular contributions.

Kalkulator Procentu Prostego

Interest earned with no compounding, plus a compound comparison.

Kalkulator Stopy Procentowej

Solve for rate given principal, interest, and time.

Kalkulator Inwestycji

Lump sum + monthly contributions projected forward.

Kalkulator CAGR

Compound annual growth rate from beginning and ending values.

Kalkulator NPV

Net present value across up to 8 cash-flow years.

Kalkulator IRR

Internal rate of return via Newton-Raphson iteration.

Kalkulator Wartości Bieżącej

Discount a future value back to today.

Kalkulator Wartości Przyszłej

Grow a present amount forward, with or without contributions.

Kalkulator APY

Convert APR to APY at any compounding frequency.

Kalkulator RRSO

Back-solve APR from a loan amount, payment, and term.

Kalkulator Stopy Zwrotu

Simple and annualized return with optional income.

Kalkulator Wzrostu Składanego

Generalized compound growth for any metric (users, revenue, etc.).

Ciągłe Naliczanie Odsetek

A = P × eʳᵗ — the limit of frequent compounding.

Kalkulator DCF

Enterprise value from FCFs, terminal growth, and WACC.

Kalkulator Stopy Dyskontowej

Solve for the rate that bridges PV and FV.

Kalkulator EAR

Convert a nominal rate to EAR.

Kalkulator Wskaźnika Kosztów

Dollar cost of fund fees over time.

Stopa Zwrotu z Okresu Posiadania

Total return including income over a holding period.

Kalkulator Kosztu Alternatywnego

Difference in future value between two investment options.

Kalkulator Lokaty

Maturity value of a CD with chosen APY and term.

Kalkulator Reguły 72

Doubling time from a rate, or required rate from a doubling time.

Roczna Stopa Zwrotu

Convert a holding-period return to an annualized rate.

Kalkulator Aprecjacji

Total and annual appreciation, with optional real-value adjustment.

Kalkulator Punktów Bazowych

Convert between basis points and percentages.

Kalkulator Wskaźnika Sharpe'a

Risk-adjusted return: excess return ÷ standard deviation.

Wartość Pieniądza w Czasie

Solve for PV, FV, rate, periods, or payment given the other four.

Kalkulator Zysku Krypto

Profit/loss including buy and sell fees.

Kalkulator Zysku Bitcoin

Profit/loss for a Bitcoin trade with fees.

Uśrednianie Kosztu Dolarowego

DCA outcomes at fixed or varying prices.

Stopa Zwrotu Skorygowana o Inflację

Real (post-inflation) return using the Fisher equation.

Kalkulator Zwrotu Portfela

Weighted average return across up to 6 holdings.

Kalkulator DRIP

Project portfolio growth from dividend reinvestment.

Kalkulator Akcji

Profit, ROI, and break-even for a stock trade with commissions.

Kalkulator Średniej Akcji

Weighted average cost from up to 5 purchase lots.

Kalkulator Splitu Akcji

New share count and adjusted price after a split.

Kalkulator Dywidendy

Annual dividend income (before and after tax) plus yield on cost.

Kalkulator Stopy Dywidendy

Yield = annual dividend ÷ price, with optional forward yield.

Wskaźnik Wypłaty Dywidendy

Dividends ÷ earnings — sustainability check.

Kalkulator EPS

Basic and diluted earnings per share.

Kalkulator Wskaźnika C/Z

Price-to-earnings ratio with earnings yield.

Kalkulator Kapitalizacji Rynkowej

Shares × price, with size classification.

Kalkulator CAPM

Required return from risk-free rate, beta, and market return.

Kalkulator WACC

Weighted average cost of capital from equity, debt, and tax rate.

Kalkulator ROE

Net income ÷ equity, with optional DuPont breakdown.

Kalkulator ROA

Net income ÷ total assets.

Kalkulator Liczby Grahama

Benjamin Graham's fair-value estimate for a defensive investor.

Kalkulator Wartości Wewnętrznej

Fair-value estimates via DDM, Graham, or P/E methods.

Kalkulator Ceny Obligacji

Price = PV of coupons + PV of face value.

Kalkulator Rentowności Obligacji

YTM and current yield from price, face, coupon, and maturity.

Kalkulator YTM Obligacji

Yield to maturity and yield to call.

Kalkulator Stopy Kuponu

Coupon rate from annual payment and face value.

Kalkulator Wskaźnika Zadłużenia

Total liabilities ÷ shareholders' equity.

Wskaźnik Pokrycia Odsetek

EBIT ÷ interest expense.

Kalkulator Wskaźnika Szybkiej Płynności

Liquid assets ÷ current liabilities.

Kalkulator Black-Scholes

Call/put prices and Greeks for European options.

Kalkulator Opcji Call

Break-even and payoff for a long call at various stock prices.

Kalkulator Wezwania do Uzupełnienia Depozytu

Price at which a maintenance margin call is triggered.

Kalkulator Podatku od Sprzedaży

Add tax to a price or remove it from a tax-inclusive total.

Kalkulator VAT

Add or remove VAT at any rate.

Kalkulator Podatku Dochodowego

Bracket-by-bracket tax on US federal income.

Kalkulator Podatku od Zysków Kapitałowych

Short-term vs long-term capital gains tax with NIIT.

Kalkulator Wynagrodzenia

Convert salary across hourly, weekly, monthly, and annual.

Kalkulator Brutto-Netto

Net take-home pay after federal, state, FICA, and deductions.

Kalkulator Netto-Brutto

Required gross for a target take-home.

Kalkulator Podwyżki

New salary, change, and 5-year earnings impact.

Kalkulator Godzin Rozliczeniowych

Utilization and revenue from billable vs total hours.

Kalkulator Stawki 1,5x

Regular plus overtime pay at 1.5× or 2×.

Kalkulator Podatku od Loterii

Lump sum vs annuity after federal and state tax.

Kalkulator Zdolności Zakupowej Mieszkania

How much house you can afford under 28/36 DTI rules.

Amortyzacja Hipoteki

Monthly payment plus full amortization summary.

Refinansowanie Kredytu Hipotecznego

Monthly savings and break-even months from refinancing.

Kalkulator LTV

LTV ratio and PMI threshold.

Kalkulator PMI

Monthly PMI and the month it drops off.

Kalkulator Cap Rate

NOI ÷ property value.

Kalkulator Nieruchomości na Wynajem

Cash flow, cap rate, cash-on-cash return.

Kalkulator Wynająć czy Kupić

Net worth comparison over a horizon.

Kalkulator Kosztów Zamknięcia

Buyer or seller closing cost range with line items.

Kalkulator Oszczędności

Future savings balance with regular contributions.

Kalkulator Celu Oszczędnościowego

Monthly amount needed to hit a savings target by a date.

Kalkulator Funduszu Awaryjnego

Target fund size from monthly essentials.

Kalkulator Kredytu Samochodowego

Vehicle financing monthly payment and true cost.

Kalkulator FIRE

Years to financial independence at a safe withdrawal rate.

Kalkulator Reguły 50-30-20

Allocate take-home pay across needs, wants, and savings.

Kalkulator Metody Śnieżnej Kuli

Pay off smallest balances first; roll payments forward.

Kalkulator Lawiny Długów

Pay off highest interest rate first — mathematically optimal.

Spłata Karty Kredytowej

Months to pay off + total interest at a fixed payment.

Kalkulator Emerytalny

Nest egg target plus how long it lasts.

Kalkulator 401(k)

Future 401(k) balance including employer match.

Kalkulator Roth IRA

Compare tax-free Roth growth vs Traditional tax-deferred.

Kalkulator Kredytu

Standard amortizing loan: payment, interest, total.

Kalkulator Amortyzacji

Loan payoff with optional extra payments.

Kalkulator Kredytu Studenckiego

Standard, extended, and income-driven plan comparison.

Wskaźnik Zadłużenia do Dochodu

Front-end and back-end DTI ratios with lender thresholds.

Kalkulator Marży

Margin and markup from cost and selling price.

Kalkulator Narzutu

Selling price from cost + markup percentage.

Kalkulator Procentu Zniżki

Discount amount and final price.

Kalkulator Prowizji

Commission earned on sales — flat or tiered.

Kalkulator Opłat PayPal

Net amount received after PayPal fees.

Kalkulator Opłat Etsy

Listing, transaction, and processing fees on an Etsy sale.

Kalkulator Amazon FBA

Referral + fulfillment fees on an Amazon FBA sale.

Kalkulator Opłat Stripe

Net received after Stripe processing fees.

Kalkulator Zysku za Sztukę

Net profit per sale after all costs and fees.

Kalkulator EBITDA

Earnings before interest, taxes, depreciation, and amortization.

Kalkulator Marży Brutto

Gross profit and margin from revenue and COGS.

Kalkulator Amortyzacji Środków Trwałych

Straight-line, double-declining, or sum-of-years depreciation.

Kalkulator Kapitału Obrotowego

Current assets minus current liabilities.

Kalkulator Rotacji Zapasów

COGS ÷ average inventory; days of inventory.

Kalkulator Kosztu Krańcowego

Cost of producing one additional unit.

Kalkulator EOQ

Optimal order size that minimizes inventory cost.

Elastyczność Cenowa Popytu

%ΔQ ÷ %ΔP — how sensitive demand is to price.

Kalkulator Wolnych Przepływów Pieniężnych

FCF = operating cash flow − capital expenditures.

Kalkulator Wzrostu Przychodów

Period-over-period growth (QoQ, YoY, MoM).

Kalkulator Inflacji

Adjust a dollar amount across years using CPI.

Kalkulator PKB

GDP = C + I + G + (X − M).

Kalkulator Bezrobocia

Unemployed ÷ labor force × 100.

Kalkulator Inflacji CPI

Compute a CPI from basket costs, plus the period inflation rate.

Stopa Wzrostu Składanego

Annualized growth rate between two endpoints.

Kalkulator Mnożnika Pieniężnego

1 ÷ reserve ratio — banking money creation.

Kalkulator Realnej Stopy Procentowej

Fisher equation: real = (1+nominal)/(1+inflation) − 1.

Kalkulator Reguły Taylora

Suggested fed funds rate from inflation and output gap.

Kalkulator Ceł Trumpa

Tariff owed and consumer pass-through estimate.

Kalkulator EMI

Equated Monthly Installment for any loan.

Kalkulator SIP

Future value of a Systematic Investment Plan.

Kalkulator PPF

Maturity value of a Public Provident Fund account.

Kalkulator Podatków w UK

Income tax, National Insurance, and net take-home for England/Wales/NI.

Opłata Skarbowa w UK

Stamp duty for first-time buyers, home movers, and additional properties.

Kalkulator Zakat

2.5% Zakat on zakatable wealth above nisab.

Krzyżowy Kurs Wymiany

Derive A/C from A/B and B/C rates.

Zniesienie Fibonacciego

Standard Fibonacci support/resistance levels.

Kalkulator Niepełnosprawności VA

VA 'whole person' combined rating across multiple conditions.

Kalkulator NPS

Corpus, lump sum, and monthly pension at retirement.

Kalkulator RMD

Annual minimum withdrawal from IRA / 401(k).

Kalkulator Liczenia Pieniędzy

Total cash from bill and coin denominations.