Tools - RendaPrime

Freelance hourly rate calculator

Find the hourly rate that actually pays you: your income, your costs, the hours you can really bill, taxes and margin. It also shows the naive rate for comparison.

Car ownership cost calculator

Find what a car really costs per kilometre, per month and per year, with depreciation, fuel, insurance, taxes and maintenance side by side.

Interest free instalments calculator

See the interest hidden inside an interest free instalment plan when there is a cash discount, and whether paying cash or in instalments leaves you ahead.

Debt snowball vs avalanche calculator

Type your debts and one monthly budget: the avalanche shows how much interest it saves, and the snowball shows how much sooner the first debt is cleared.

Rent or buy calculator

Compare renting with buying over the years you plan to stay, and see the yearly rise in price at which the two end up with exactly the same wealth.

Budget calculator with the 50 30 20 rule

See how far your spending is from the fifty, thirty and twenty reference, and turn that percentage into a deadline: the months it takes to build your reserve.

How much to live off your investments

Work out the pile that pays for your month, how long it takes to build, and why the deadline depends on the share you put away rather than on your salary.

Pay down the debt or invest the money

Compare paying down a loan against investing the same amount, with the two paths simulated over the same term, and see what shortening the term saves against lowering the instalment.

Inflation and what your money buys

See what an amount will buy after years of inflation, and why the rise in prices and the loss of purchasing power are two different numbers.

What a purchase abroad really costs

Compare card, cash and prepaid card on the same footing, with the markup, the tax and any flat fee counted, and see which one is actually cheaper for the amount you are spending.

Emergency fund calculator

Size the reserve on what you spend rather than on what you earn, and see how long it really lasts once you count whatever income would keep coming in.

When your interest overtakes your deposits

Find the month when one month of interest is worth more than one month of your own money, the balance that triggers it, and what starting five years later would cost you.

CDB against LCI and LCA: which one nets more after tax

Compare a taxed CDB with a tax-free LCI or LCA at the rates you were quoted, see the income tax taken out, and find the rate the tax-free one needs to tie at your holding period.

Employment against contracting: what the company has to invoice to match

Find what a company has to invoice every month to match a salaried job, counting the thirteenth salary, the holiday bonus and the severance fund that never reach the payslip.

When to cash in: what the falling tax band is worth

See what waiting for the next tax band is worth on money you already have invested, split into the drop in tax and the extra yield, and what that wait is worth as a yearly rate.

Extra payment on a loan: shorten the term or lower the instalment

See what an extra payment saves under each choice, and why the two are worth exactly the same today once the contract's own rate is applied.

How much you need invested to live on dividends, and what inflation takes

Work out the capital behind a monthly income from dividends, and see the far larger figure that keeps that income buying what it buys today once inflation is in the arithmetic.