Klar
Clear and transparent tools for personal finance and employment, built on reviewable formulas with assumptions stated up front.
Featured calculators
Loan monthly payment calculator
Calculate the monthly payment, total interest and total cost of any fixed-rate or zero-interest loan.
Compound interest calculator
Calculate investment growth with compound interest and regular periodic contributions.
Savings goal calculator
Find how much you need to save each month to reach a savings target within a chosen timeframe.
VAT calculator
Add, remove or extract VAT from any amount using a custom rate.
Discount and percentage calculator
Calculate price after discount, discount amount, percentage change and percentage difference.
Mortgage calculator
Estimate the monthly payment on a home loan with down payment, interest, fees and an annual repayment table.
Educational guides
Understand the concepts before you calculate — and how we reach the result.
How to calculate a loan monthly payment
Before you borrow, it pays to know what your monthly payment will be and what the loan really costs. This guide explains how monthly payments work for fixed-rate loans, and why the amount you borrow is not the same as the total you end up paying. The worked example mirrors the values used by Klar’s loan payment calculator, so you can compare results directly.
What is compound interest and how does it work?
Compound interest is interest calculated on your original amount and on the interest that has already built up — interest on interest. This mechanism makes savings grow faster over time, and the longer the horizon, the greater its effect. This guide explains how compound interest works and how Klar’s compound interest calculator models it.
Hourly vs monthly salary: how to compare
When evaluating a job offer, comparing full-time with part-time work, or weighing a job against freelancing, you may need to compare a monthly salary with an hourly rate. Converting between the two requires clear assumptions about working hours and days, because a monthly figure alone does not tell you the value of your time. This guide explains the relationship between hourly, daily, monthly and annual pay.
Transparency starts at the formula
Every calculator shows its formula, assumptions and limits, and results are never presented as financial advice. Rates and rules vary by country — always verify with official authorities.