💰 Finance
Laina-, poistolaskimet, energia- ja polttoainesäästölaskimet
Asuntolainanlaskuri, EMI-laskin — kuukausimaksu, kokonaiskorkoa ja lyhennysmaksutaulukko.
Avaa työkalu →Seuraa tuloja vs. menoja
Avaa työkalu →Lineaariset ja degressiiviset poistomenetelmät
Avaa työkalu →Arvioi sähkö- ja kaasulaskut
Avaa työkalu →Vertaa polttoainekuluja ajoneuvojen välillä
Avaa työkalu →Vertaile tarjouksia rinnakkain ja löydä paras yksikköhinta. Ilmainen alennuslaskuri.
Avaa työkalu →Vertaile tuotteita paino- tai tilavuusyksikköhinnan mukaan. Löydä paras arvo heti.
Avaa työkalu →Muunna palkka tunti-, viikko-, kuukausi- ja vuositasolla.
Avaa työkalu →Laske korkoa korolle kuukausittaisilla sijoituksilla.
Avaa työkalu →Arvioi tulovero progressiivisilla veroluokilla.
Avaa työkalu →Arvioi nettopalkka verojen ja vähennysten jälkeen.
Avaa työkalu →Money calculations where seeing the working matters more than getting a number. Loan repayments, compound growth, salary conversions, running costs, and the everyday arithmetic of whether one price is really better than another.
These are informational tools, not advice. They are useful for understanding the shape of a decision — how much of a payment is interest, what a rate change does over twenty years — and they are not a substitute for the figures your lender, employer or tax authority gives you.
Which tool do I want?
| If you… | Use |
|---|---|
| You want repayments and total interest on a loan | Lainanlaskuri |
| You are projecting savings or investment growth | Korkoa korolle -laskuri |
| You need to compare an hourly rate to an annual salary | Palkkalaskuri |
| You are working out take-home pay | Palkkalaskuri |
| Two package sizes and you want the real unit price | Yksikköhintalaskuri |
| You want the running cost of an appliance or server | Energiakustannukset |
| You are checking what a discount actually saves | Alennusvertailu |
| You are planning monthly spending | Budjettisuunnittelija |
Compounding frequency changes the answer more than people expect
A "5% annual rate" is not one number. Compounded once a year it returns exactly 5%. Compounded monthly the effective rate is 5.12%; daily, 5.13%. Small differences — until you run them over decades, where they separate meaningfully.
This is why regulators require lenders to quote an effective annual rate alongside the nominal one. The nominal rate tells you what gets applied per period; the effective rate tells you what actually happens over a year, and only the second is comparable between products.
Worth knowing in the other direction too: on a long mortgage, the early payments are overwhelmingly interest, because interest is charged on the balance and the balance has barely moved. That is also why overpaying early is far more effective than overpaying late — every extra unit removes a balance that would otherwise have accrued interest for the entire remaining term.