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Free Financial Calculators

Simple and quick tools to help you make decisions about loans, savings, investments, and retirement. Click on the name or card to open the calculator.

🏠

Credit and Housing

🏠
Home Loan
Monthly payment, total paid, and total interest of your home loan.
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📊
Effort Rate
See if you can support a new loan without compromising your budget.
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🧯

Savings and Budgeting

🧯
Emergency Fund
How much to save and how long to have a safety reserve.
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💸
Inflation
Find out how much purchasing power you lose over the years.
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📈

Investment

📈
Compound Interest
Simulate the growth of your invested capital over time.
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📉
Impact of Fees (TER)
See how much ETF and fund fees cost your portfolio.
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🔥

Retirement and Financial Independence

🔥
FIRE
How many years until you can live off your investments.
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🏦
Pension Plan
Tax benefits and accumulated capital until retirement with a pension plan.
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Why use Lucrar.pt calculators?

All the calculators above are free, without registration, and with no usage limits. Calculations are done directly in your browser using standard financial formulas (e.g., loan amortization, compound interest, pension plan tax rules). Your data never leaves your computer. Use them as often as you need to compare scenarios before making an important financial decision.

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