Free financial calculators, no account, no email.
Avuru Finance publishes eleven financial calculators, open to anyone and free of sign-up: compound interest, loan repayment, financial independence, rent versus buy, and six Luxembourg tax calculations. Each one takes three fields, recalculates as you type, and states its assumptions. It is a calculation, not investment advice.
Compound interest
What regular saving turns into over 10, 20 or 30 years. What you put in on one side, what time adds on top on the other.
Open the calculator →Rent or buy
The real cost of both, year after year, and the year buying moves ahead of renting.
Open the calculator →Financial independence
How many years stand between you and the exit, given your savings rate, your returns and your life phases.
Open the FIRE calculator →What borrowed money actually costs you.
Two calculations the bank runs on your behalf, and that you are better off having run before the meeting.
Loan repayment
The monthly payment, the total cost of the credit and the effective annual rate, from the amount, the term and the rate.
Work out a payment →Debt payoff
Avalanche or snowball. The time it takes, the interest paid in total, and the order in which to clear your loans.
Compare the strategies →Six calculations nobody runs on your behalf.
The Luxembourg scale applied to your situation rather than to an average case. Useful to residents, and more so to cross-border workers who file on both sides of the border.
Luxembourg income tax
The scale applied to your gross income, with the effective rate and the marginal rate.
Estimate my tax →Tax class 1, 1a or 2
What the class changes, and what collective taxation changes, for your household's tax bill.
Compare the classes →Tax deductions
The expenses that are deductible in Luxembourg, and the tax each one actually saves you.
Review the deductions →Commuting allowance
Your home-to-work distance turned into distance units, then into a deduction against taxable income.
Work out the deduction →Paying in before 31 December
What a year-end contribution does to your tax: pension savings, home savings, and the ceilings you have already hit.
See what it changes →Property capital gains
The taxable share of a Luxembourg property sale, based on how long you held the property.
Estimate the gain →Three fields, one answer, and the assumptions written down.
Nothing to install, nothing to hand over
All eleven open without an account and without an email. The maths runs in your browser, and the amounts you type go nowhere.
The assumptions are on screen
Return, compounding frequency, when contributions land, which scale is used. A calculator that hides its assumptions is showing you the number that suits it.
A calculation, not advice
These tools put numbers on a situation. They recommend no product and carry no value as investment advice.
With an account, they fill themselves
If your accounts live in Avuru, one button fills the calculator with your real figures. You have to ask for it, and nothing fills itself.
The calculators are the part you get for free.
Behind them, Avuru pulls your accounts, your investments and your currencies into a single net worth. The demo opens with no account and no email.
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