Calculators

All calculations run on your phone and are never sent anywhere.

The true cost of a loan

See the monthly payment, overpayment and effective rate including fees.

Loan amount₼

Annual rate%

Termmo

One-off fee%

Percentage of the amount charged for issuing the loan

Monthly fee / insurance₼

Monthly payment

249.62 ₼

Effective annual rate

22.1%

Total you will pay

6,090.89 ₼

Overpayment

1,090.89 ₼

overpayment

22%

Principal5,000 ₼
Interest990.89 ₼
Fees100.00 ₼

Outstanding balance by month

The advertised rate is 18.0%, but with fees the real rate is 22.1%. Always check the effective rate in the contract.

Savings and compound interest

See how small regular amounts grow thanks to interest.

Starting amount₼

Monthly top-up₼

Annual return%

Termyrs

You end up with

20,577.11 ₼

You put in

12,500 ₼

Interest earned

8,077.11 ₼

Account balance Your contributions

After 10 years every manat you put in turns into 1.65. The earlier you start, the harder compound interest works.

How inflation eats money

See what today's savings will be worth in years to come.

Amount today₼

Annual inflation%

In how many yearsyrs

Purchasing power in 10 years

613.91 ₼

Needed in 10 years for the same purchase

1,628.89 ₼

Real value of your money Price of the same purchase

1,000 ₼ kept "under the mattress" will buy in 10 years what 613.91 ₼ buys today — 39% of its value is lost.

The 50/30/20 budget

50% of income for needs, 30% for wants, 20% for savings. Compare with yours.

Monthly income₼

Needs₼

Rent, utilities, groceries, transport, loan payments

Wants₼

Cafés, entertainment, shopping, subscriptions

50/30/20

rule

Needs · 50%600.00 ₼
Wants · 30%360.00 ₼
Savings · 20%240.00 ₼

Needs

Target: 600.00 ₼

Yours: 700.00 ₼

Wants

Target: 360.00 ₼

Yours: 350.00 ₼

Savings

Target: 240.00 ₼

Yours: 150.00 ₼

To save 20%, free up another 90.00 ₼ a month.

Calculators give estimates and are not an offer. Check the exact terms with your bank or lender.