Online Finance Calculators

Calculate Costa Rica aguinaldo with monthly salary, months worked, and additional earnings.

Calculate your aguinaldo (Christmas bonus) under El Salvador labor law

Calculate full or proportional Christmas bonus (Decree 76-78). Default Q10,000 → Q10,000; 6 months → Q5,000. ISR-exempt up to one salary (Art. 70).

Calculate your aguinaldo (thirteenth month bonus) under Honduras labor law

Calculate your Mexico aguinaldo (15 days of pay) under the Federal Labor Law

See how much you can save each month from real income and expenses. Defaults: $6,000 income → $1,500 saved (25%) and $18,000/year.

Compare the real cost of renting versus buying a home. Factors in mortgage, appreciation, maintenance costs, and opportunity cost of your down payment.

Build a month-by-month French amortization table: fixed payment, principal, interest, and balance. Example $10,000 at 12% for 24 months.

Calculate import duties (DAI), VAT and special taxes for importing products to Guatemala.

Calculate your Bono 14 under Decree 42-92. July–June period, proportional to days worked.

Calculate commission, total income, and required sales for an income target.

Compare monthly payments and total interest on a personal loan across Guatemala's main banks: Bantrab, Banrural, Banco Industrial, BAM, G&T, BAC, Promerica and UPA.

Convert between major world currencies including Central American currencies

Convert GTQ to USD with Banguat reference. Example at Q7.75: Q100 → $12.90, Q1,000 → $129, Q100,000 → ~$12,903. Edit the rate or use today's official feed.

Quick answer: at a Q5,000 salary, employer cost is about 1.4–1.5×. Toggle cash-only vs provisions and severance reserve.

Calculate real unit cost, waste impact, and suggested price from a target margin.

Estimate monthly VAT debit, credit, and balance from taxable sales and purchases.

Estimate months to pay off your card, total interest, and full cost from balance, APR, fixed payment, and fees

Calculate Panama thirteenth month by four-month period, including extra earnings and prorated amount.

Straight-line or double declining balance with full schedule. Defaults 100k − 10k / 5y → 18,000/yr (20%).

Simulate an FHA-insured home loan in quetzales. Defaults Q800,000 with 5% down, FHA reference rate 5.79%, 20 years → Q6,020.65/month total (IUSI included).

Calculate your employment settlement: severance, aguinaldo, bono 14, and proportional vacation

How much to charge? Billable hours → hourly rate → project price. Then connect Guatemala VAT 12%, small taxpayer 5%, or withholdings.

Calculate your monthly mortgage payment, total interest, and view the complete amortization schedule

Simulate a Costa Rica mortgage with down payment, rate, term, monthly insurance, and total interest.

Simulate a Guatemala home loan in quetzales. Defaults Q800,000 with 20% down at 9.5% for 20 years → Q5,965.64/month and Q791,753.50 interest.

Estimate Guatemala overtime pay for day, night, or mixed shifts. Enter monthly salary and extra hours to see regular rate, overtime rate, and total in quetzales.

Calculate IGSS contributions: employee deduction (4.83%) and employer contribution (12.67%)

Calculate estimated IHSS and RAP deductions in Honduras with editable rates and caps.

Estimate CIF, DAI, 12% VAT and warehouse landed cost. Live Banguat FX + quick FOB presets. Educational estimate.

Estimate the cost to import a car to Guatemala with CIF, DAI, VAT, IPRIMA, customs agent, and registration.

Estimate car or motorcycle ISCV using the taxable value in SAT's 2026 table.

Estimate unjust-dismissal indemnización plus unused vacation, aguinaldo, and Bono 14 under Guatemala’s Labor Code.

Calculate the impact of inflation on the value of money over time

Calculate Nicaragua employee and employer INSS contributions with editable rates and annual projection.

Project final balance with monthly compounding and contributions. Defaults: $10,000 at 7% + $100/mo × 10 years → ~$37,405

Calculate simple interest, total amount, and average monthly and daily interest with clear examples

Estimate quarterly Impuesto de Solidaridad (ISO) from opening net assets and prior-year gross income, per Decreto 73-2008.

Compare profits-regime ISR vs optional simplified. Small taxpayer and salaried workers use other tools.

Calculate Costa Rica Income Tax for employees (Hacienda 2024 brackets)

Calculate monthly El Salvador Income Tax (ISR) with AFP, ISSS, and the table effective since May 2025

At Q15,000 monthly under the simplified regime, ISR is Q750/mo (Q9,000/yr, net ~Q14,250). Compare profits 5%/7% with quetzal examples.

Calculate Honduras Income Tax (ISR) using the SAR 2026 progressive table

Estimate Guatemala's unique property tax (IUSI) from assessed value. Example: Q150,000 at 9‰ → Q1,350 per year or Q337.50 per quarter (Decree 15-98).

Add or extract El Salvador's 13% VAT. Built for invoices, pricing, and small businesses.

Calculate Guatemala's 12% VAT: add or extract IVA from any amount

Calculate how much you need to save for retirement and whether you are on track to reach your goal.

Estimate Costa Rica employment settlement with severance, notice, vacation, and proportional aguinaldo.

Estimate severance, vacation, proportional Christmas bonus, and unpaid salary in El Salvador.

Calculate full Guatemala employment settlement: Art. 82 severance, aguinaldo, bono 14, vacation, prior notice. Example Q5,000 → Q22,022.83.

Estimate severance, vacation, thirteenth month, fourteenth month, and notice pay in Honduras.

Estimate Nicaragua employment settlement with seniority, vacation, thirteenth month, and pending salary.

Estimate Panama employment settlement with seniority premium, vacation, thirteenth month, notice, and pending salary.

Cost $70 and sale $100 yield $30 profit, 30% margin, and 42.86% markup. At a 35% target the recommended price is $107.69.

Calculate monthly savings to hit a goal with compound interest. Defaults: 10,000 in 5 years at 4% → 150.83/month.

Compare your current mortgage with refinancing options to determine if you can save money

See how long debt takes to clear with and without extra payments, and how much interest you save.

Compare minimum vs extras: defaults $10,000 at 18% × 36 months + $100/mo → ~$829.87 interest and 9 months saved.

Estimate your IGSS old-age pension (IVS) under Agreement 1124: age 60 and 240 monthly contributions, with scenarios by years contributed

Estimate the 5% monthly tax on gross income and compare your annual projection with the SAT ceiling Q500,285.

With a $100,000 investment, $25,000 annual cash flow and 10% discount rate you recover in 4 simple years or 5.37 discounted (NPV $53,614 · PI 1.54).

Calculate complete payroll: employee net salary and total employer cost including IGSS, ISR, aguinaldo, bono 14, and vacation

Buy Q500,000, sell Q800,000: transfer tax Q24,000 + ISR Q21,100 = Q45,100 total tax and net Q754,900 (improvements Q50k, notary Q15k).

Calculate a sale price from cost $70, 35% margin, 12% VAT, and 3% fees → final $126.45. Keep tax separate from profit.

Add Christmas bonus, Bono 14 and vacation pay per year.

Calculate your auto loan payment. Defaults Q150,000 at 12% for 48 months → Q3,950.08/mo and interest Q39,603.84.

Estimate monthly payment, origination fee, insurance, total cost, and approximate APR for a personal loan in Guatemala with quetzal examples.

Calculate the monthly payment, total interest, and view the amortization schedule for your loan

Split net income with 50/30/20 or 70/20/10. Example $10,000 → $2,000/month savings ($24,000/year).

With $50,000 fixed costs, $100 price and $40 variable cost you need 834 units and $83,400 revenue (60% contribution margin).

Calculate when to reorder from daily demand, lead time, and safety stock.

Convert Guatemalan quetzales (GTQ) to US dollars (USD) with preset amounts and live Banguat reference.

Split net income: 50% needs, 30% wants, 20% savings. Example $10,000 → $5,000 / $3,000 / $2,000 ($24,000/year).

Calculate DTI from gross income and monthly payments to see loan or mortgage capacity

Calculate how much arrives in Guatemala when sending dollars: net quetzales after fees, total fees, and the effective exchange rate.

With a 500,000 property, 3,500/month rent, 12,000 expenses and 5% vacancy: 8.40% gross, 5.58% net (Cap Rate), 2,325 monthly net income and ~17.9-year payback.

Calculate your business profitability metrics: gross margin, net margin, ROI, and break-even point

Compare estimated payouts if you resign or are dismissed.

Check age, contribution years/months and what you still need: age 60 and 240 contributions.

Estimate your invoice net pay: 12% VAT, editable ISR and VAT withholding, and what actually reaches you. Example: net Q10,000 → net pay Q10,520.

Calculate total ROI, annualized ROI (CAGR), and net profit. Example: invest $10,000, end at $15,000 in 3 years → 50% ROI and 14.47% annualized.

Find the 2026 minimum wage in Guatemala by activity and economic region (CE1/CE2), with the mandatory incentive bonus and daily/hourly rates.

Calculate take-home pay in Costa Rica with editable CCSS, salary income tax, and extra deductions.

Calculate monthly take-home pay in El Salvador with AFP, ISSS, income tax, and extra deductions.

Estimate take-home pay in Honduras with income tax, editable payroll deductions, and extra discounts.

Calculate take-home pay in Nicaragua with INSS, salary income tax, and extra deductions.

Calculate take-home pay in Panama with CSS, educational insurance, income tax, and extra deductions.

Calculate El Salvador Seguro Social (ISSS 3%), AFP pension, and income tax. Example: $600 gross → ~$538.50 net. See employee deductions and employer cost instantly.

Calculate how much life insurance you need to protect your family using the DIME method: Debt, Income, Mortgage, and Education.

Calculate your net salary in Guatemala after IGSS and ISR deductions. Includes prorated Bono 14 and Aguinaldo.

Convert nominal APR to EAR/APY by compounding frequency. Defaults: 12% monthly → EAR 12.6825%, period rate 1%

Calculate Guatemala vacation pay under Labor Code Art. 130: 15 working days, proportional months on exit, daily salary, and optional 30% vacation bonus.

Calculate your vacation days and prima vacacional (25%) under the Federal Labor Law