# Calculators 9 free calculators — no ads, no sign-up. The numbers stay in your browser. Each one explains how it is calculated and links to the terms in the Glossary and to the module. Where the result depends on national law, you get the EU rule, an example from Bulgaria and what to check in your country. [**Net salary (example: Bulgaria)**How gross pay becomes net pay: contributions, income tax and the cost to the employer. The logic is the same in most EU countries; the rates shown are Bulgaria's for 2026.](https://pecuvo.eu/en/calculators/net-salary-bulgaria/)[**Loan and APR**Work out the monthly instalment, the total you will repay and an approximate APR of a loan with fees. No bank adverts.](https://pecuvo.eu/en/calculators/loan-repayment-apr/)[**Compound interest**How your money grows over time: compound interest on a starting amount plus monthly contributions, and how many years it takes to double (the rule of 72).](https://pecuvo.eu/en/calculators/compound-interest/)[**Saving for a goal**How many months you need to save for a goal — a car, a holiday, a deposit — at your monthly saving and interest. And how much to set aside to get there on time.](https://pecuvo.eu/en/calculators/savings-goal/)[**Emergency fund**How many months your reserve would keep you going, and how big it should be for 3 and 6 months of spending. The emergency fund is the first principle of cash flow.](https://pecuvo.eu/en/calculators/emergency-fund/)[**Pay yourself first**How much you will have in 10 years if you set aside a percentage of your pay on the day you receive it. A calculator for the first iron principle of cash flow.](https://pecuvo.eu/en/calculators/pay-yourself-first/)[**Budget**Write how much you spend on each thing — housing, food, transport, children — and see the shares. A simple personal and household budget calculator.](https://pecuvo.eu/en/calculators/budget/)[**Inflation**What today's money will be worth after some years at a given inflation rate, and what something that costs €1,000 today will cost then. Purchasing power, explained simply.](https://pecuvo.eu/en/calculators/inflation/)[**Bulgarian lev and euro**Convert Bulgarian leva (BGN) to euro and euro to leva at the fixed rate of €1 = 1.95583 leva, rounded to the cent. For old prices, contracts and savings in leva.](https://pecuvo.eu/en/calculators/lev-to-euro/) Check what you know: [the open test](https://pecuvo.eu/en/test/) (9 questions).