Financial Calculators

Monthly PaymentsAmortization

Mortgage Calculator

Estimate monthly mortgage repayments, total interest, and full amortization schedule for Luxembourg property purchases.

Cross-Border Tax

Understand your income tax and social security obligations as a frontalier from France, Belgium or Germany.

FrontalierFR/BE/DE

13th Month Bonus Tax

See exactly how much of your Luxembourg 13th month or year-end bonus you keep after income tax and social contributions.

BonusNet Amount

Luxembourg VAT Calculator

Add or remove Luxembourg VAT at standard (17%), intermediate (14%), reduced (8%) or super-reduced (3%) rates instantly.

17% Standard8% Reduced

LU vs FR vs BE vs DECross-Border

Take-Home Pay Comparison

Compare your net salary living in Luxembourg vs. France vs. Belgium vs. Germany for the same gross salary.

Compound InterestProjections

Investment Return

Project the growth of your Luxembourg savings and investment portfolio with compound interest over 5, 10, 20 or 30 years.

Pension Estimator

Estimate your Luxembourg state pension (CNAP) entitlement based on your contribution years and career average salary.

State PensionCNAP

Cost of Living

Compare the cost of living in Luxembourg City, Esch-sur-Alzette and surrounding border regions for expats.

RentGroceries

Self-EmployedQuarterly Tax

Freelancer Tax Calculator

Calculate income tax and social contributions as a self-employed person or freelancer in Luxembourg, including quarterly advance payments.

Company Car Benefit in Kind

Calculate the taxable benefit in kind for a Luxembourg company car, based on catalogue price, CO2 emissions and usage split.

Benefit in KindCO2 Rate

Rental Yield Calculator

Calculate gross and net rental yield on Luxembourg property investments, including taxes, management fees and vacancy allowance.

Gross YieldNet Yield

Net Worth Calculator

Track your total Luxembourg net worth — assets, liabilities, property values and pension pot — with a clear financial snapshot.

AssetsLiabilities

Emergency Fund Calculator

Find out how many months of living expenses you should save as an emergency fund, tailored to Luxembourg's cost of living.

3–6 MonthsSavings Goal

One-time CostsMonthly Burn

Coming Soon 2 tools

Coming Soon

Stamp Duty & Registration Tax

Calculate Luxembourg property registration taxes (droit d'enregistrement), transcription fees, and first-buyer Bëllegen Akt reduction.

Coming Soon

Dividend Tax Calculator

Calculate Luxembourg withholding tax on dividends and determine your personal income tax treatment for investment income.

For Founders & Businesses

Business & Startup Calculators

Essential financial metrics for EU startups — from burn rate to LTV:CAC ratio.

Financial & Investment

Cost planning, profitability, and valuation

Startup Cost Calculator

Estimate initial setup costs — tech, team, legal, branding — plus monthly burn for your Luxembourg or EU startup.

Burn Rate Calculator

How fast are you spending money? Track gross and net monthly burn with category breakdown.

Gross BurnNet Burn

Runway Calculator

How many months can your startup survive? Runway = Cash ÷ Monthly Burn. Know when to raise.

Months LeftRaise Date

Break-even Calculator

When does revenue equal expenses? Find your break-even units, revenue, and contribution margin.

Break-even UnitsCM Ratio

Profit Margin Calculator

Understand profitability per product or service. Gross, operating, EBITDA, and net margin in one view.

Gross MarginNet Margin

Valuation Calculator

Estimate company worth with revenue multiples, EBITDA multiples, or direct pre-money entry. EU stage benchmarks.

Pre-moneyPost-money

Growth & Marketing

CAC, LTV, conversion, and churn

Customer Acquisition Cost (CAC)

Cost to acquire one customer from your total marketing and sales spend. Includes payback period.

Marketing CACSales CAC

Customer Lifetime Value (LTV)

Total revenue from one customer over their lifetime. Margin-adjusted LTV and LTV:CAC ratio.

LTVMargin-adjusted

3:1 BenchmarkHealth Zones

LTV:CAC Ratio Calculator

Key startup health metric. Ideal is 3:1. Get health zones, recommendations, and payback period.

Funnel AnalysisVisitor→Lead

Conversion Rate Calculator

Visitors → customers %. Full funnel analysis with improvement scenarios and revenue impact.

Monthly ChurnRetention Rate

Churn Rate Calculator

% of customers leaving per period. Retention rate, revenue churn, and EU SaaS benchmarks.

Unit Economics

Margins, ARPU, and contribution

Contribution Margin Calculator

Revenue minus variable costs. Know how much each unit contributes to covering fixed costs.

CM per UnitCM Ratio

Average Revenue Per User (ARPU)

Revenue per customer. Calculate MRR, ARR, and model growth scenarios for your subscription business.

ARPUMRR

Gross ProfitIndustry Benchmark

Gross Margin Calculator

Profit after cost of goods sold. Compare vs EU industry benchmarks for SaaS, e-commerce, and manufacturing.

Equity & Funding

Dilution, cap table, ESOP, and investor returns

Equity Dilution Calculator

Model how each funding round dilutes founder ownership. See post-round cap table snapshots across Seed, Series A, B, and beyond.

Dilution %Round-by-Round

Cap Table Calculator

Build a full capitalization table with ownership %, implied value, MOIC, and exit proceeds at 2×, 5×, 10× for every stakeholder.

Ownership %Implied Value

Vested OptionsIntrinsic Value

ESOP Calculator

Calculate vested options, intrinsic value, and net value after Luxembourg tax. Standard 4-year / 1-year cliff vesting with 2026 LU tax treatment.

Investor Return (ROI / IRR)

Calculate ROI, MOIC, and IRR for equity, SAFE notes, and convertible notes. Exit scenario table with VC benchmark assessment.

IRRMOIC