About Quick Calculators
Tools to dig yourself out of a financial hole — built by someone who's been in one.
These calculators are inspired by the period when I was getting my own finances in order. A client didn't pay, the buffer was gone, and I realised I had no clue where my money went. Understanding how money grows over time turned panic into a plan. These are the tools that helped. Maybe they help you too. The full story is in how I dug myself out of a financial hole.
Everything here is free, independent, and account-free. No bank behind it, no data collection — just calculators that give you a straight answer.
First principles: how you climb out of a hole
Before any calculator is useful, you need to see where you stand. That takes exactly three steps:
Know what comes in each month
Salary, benefits, side income — the real net number that lands in your account.
Calculate your net salary →Know your big monthly expenses
Rent or mortgage, energy, groceries, insurance, subscriptions, debt payments. The big lines, not every coffee.
Fill in your big items and see what is left →Write it down
Not in your head — on paper or in a sheet. The moment it's written down, you can see the gap and act on it.
Download the budget sheet below ↓📥 Free monthly budget sheet
One page: what comes in, what goes out, and what's left — calculated automatically. Green means room to save or pay off debt; red shows exactly where to cut.
Download the budget sheet (Excel)Works in Excel, Google Sheets, Numbers and LibreOffice. Also available in Dutch.
Then: use the calculators
Once you can see your numbers, the calculators turn them into decisions. Compound interest shows what saving actually builds. The debt payoff planner tells you whether to clear debt or save first. The mortgage and loan calculators show what you can realistically borrow — and what it truly costs.