Issue № 01 · Open access

Free financial calculators.

Solid calculations with current data — no signup, no ads, GDPR-compliant. Built for people who want to think with numbers, not be sold to.

Start with emergency fund → Browse the index

In this issue

Working tools, current data, zero tracking.

01 Emergency fund 02 Extra mortgage payment 03 Debt-free plan 04 50/30/20 budget 05 Lifestyle inflation 06 Compound interest · GDPR-compliant · No signup 01 Emergency fund 02 Extra mortgage payment 03 Debt-free plan 04 50/30/20 budget 05 Lifestyle inflation 06 Compound interest · GDPR-compliant · No signup

Calculator finder

What are you trying to decide?

Emergency fund calculatorHow much cash buffer to keep Retirement target calculatorPortfolio target from monthly income Mortgage refinance break-evenWhen lower rates cover fees Debt payoff calculatorWhich debt to tackle first Budget rule comparatorCompare common budget rules Inflation adjusterPast euros in today's money

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The index

All calculators

Couple Budget Planner Enter both incomes and shared monthly expenses to compare a simple 50/50 split with an income-based … Couples Free Tool

Inflation Adjuster Enter an amount, a year and a country to see what that money is worth in … Inflation Free Tool

FX Converter with History Convert between EUR and major European or US currencies, then check the historical reference-rate chart to … Macro Free Tool

Budget Rule Comparator Enter your net monthly income and compare four popular budget rules side by side. See how … Budgeting Free Tool

Budget Categories Generator Enter your monthly income and choose a preset to generate a category list with percentages, euro … Budgeting Free Tool

Mortgage refinance break-even calculator Compare your current mortgage payment with a new rate and estimate how many months it takes … Debt Free Tool

Retirement Target Calculator Use the 4% rule as a quick retirement planning shortcut. Enter a portfolio amount, a target … Savings Free Tool

50/30/20 budget calculator The 50/30/20 rule splits net income three ways: half for essentials, a third for lifestyle, a … Budgeting Free Tool

Lifestyle inflation check When income grows but discretionary spending grows faster, you're treadmilling. This check compares your last 12 … Budgeting Free Tool

Debt-free planner Enter every debt you have, decide on a strategy, and see exactly when each one disappears. … Debt Free Tool

Extra mortgage payment calculator See exactly how a one-off extra payment, an annual top-up or a higher monthly rate compresses … Debt Free Tool

EU Inflation Comparator Inflation erodes purchasing power at different speeds across Europe. This tool shows you how harmonized consumer … Inflation Free Live data

EU Debt-to-GDP Comparator Government debt-to-GDP ratio is the most-watched single number for a country's fiscal health. This tool compares … Macro Free Live data

Compound Interest Calculator See how a one-off principal plus regular contributions grow over time when interest compounds month-on-month. Savings Free Tool

Emergency Fund Calculator See how big your emergency fund should be — adjusted for current inflation, your savings interest, … Savings Free Tool

Our position — № 02

Money decisions deserve tools, not advice columns.

SaveMate. Pan-European. Independent. GDPR-friendly by design.

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How we work

Principles

01 Privacy

Runs in your browser

Inputs never touch our server. No accounts, no tracking pixels, no third-party scripts on calculator pages.

GDPR-compliant

02 Substance

Live data

ECB rates, Eurostat inflation, FX history — refreshed continuously and clearly cited next to every figure.

Sourced & dated

03 Privacy

Private by default

Use the calculators without creating an account, joining a mailing list or being followed around by ads.

No signup

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Reader notes

What the tools are built for

No signup wall before the calculation. The answer is visible first.

For people checking one money decision quickly

The result explains the trade-off, not just the number.

For households comparing practical options

Country data and dates sit next to the figure, so the context is clear.

For readers who care about sources

End of issue

SaveMate is built openly. No venture money, no growth team, no dark patterns. Just the tools you would want a friend to have.