About this project
What this is for
Most financial figures you hear in Slovakia are gross ones — gross salary, an advertised interest rate, an average market return. What actually matters is always the last step: what is left once contributions, taxes, repayments and fees have taken their share. Hence the name.
What you will find here
- Net salary — works out contributions, tax and the child tax bonus from a gross salary, and warns you about an underpayment or refund in the annual settlement. It can also compare how you would fare under the laws in force before the changes.
- Mortgage — how much a bank may lend you under the limits set by the National Bank of Slovakia, what the repayment will be, how much you overpay in total and what would help you borrow more.
- Investing — what is left of regular investing after fees, tax and inflation. Besides an assumed return it can replay the actual path of the market since 1999, including the dot-com bust and the 2008 crisis.
How it works
The entire calculation runs in your browser. Your salary and every other value you enter stay on your device — nothing is sent to a server, nothing is stored and nobody else can see it. The site uses no cookies, no tracking scripts and no ads.
Where the numbers come from
The salary part uses the contribution rates, tax brackets, subsistence minimum and average wage valid for the given year. The mortgage follows the measures of the National Bank of Slovakia on the DTI, DSTI and LTV limits. Historical market data come from Yahoo Finance, the euro–dollar rate from the Federal Reserve and the consumer price index from the World Bank. Every source is cited in the code next to the numbers it applies to.
Why you can trust it
The calculations are checked by more than a hundred thousand automated tests that run on every change. They do not merely check that nothing crashes — they compare results against closed-form formulas, against published examples from the National Bank and against independent data sources. On top of that, further checks drive the finished site and verify that the figures shown actually add up.
Even so, no calculator replaces a specific bank offer, a tax return or a conversation with someone who knows your situation. That is why every calculation states what it does not cover.
Found a problem?
If you spot an inconsistency or a calculator you are missing, let me know. Feedback helps more than anything else. Write to [email protected].
Support
The site is free, ad-free and tracking-free — and it will stay that way. If it saved you time or money, you can chip in towards keeping it running. Mostly that means time: bank rates and laws change and need regular updating.