About Finrato

Finrato is a free collection of independent financial calculators that help you make sense of everyday money decisions — loans, household budgets, take-home salary, compound interest, inflation, debt payoff, renting vs buying and more. It is available in English, Polish and Latvian.

Who builds Finrato

Finrato is built and maintained by Łukasz Wójcik, an independent developer based in Scotland, United Kingdom. He is not a licensed financial adviser, accountant or broker, and Finrato is not a company acting on anyone’s behalf — it is one person publishing tools and explaining the rules behind them.

The site exists because of a practical problem. Comparing the same decision across the United Kingdom, Poland and Latvia means three different tax systems, three sets of thresholds and three vocabularies — and almost every calculator online answers for exactly one country. Finrato started as the tool that was missing, and grew from there.

How a calculator is built

Every tool follows the same four steps. First the rule is read at the body that issues it — HMRC and GOV.UK, ZUS and the Polish tax administration, VID and VSAA in Latvia — rather than from a summary elsewhere. Second, the published formula is implemented exactly as written, including the awkward parts: tapered allowances, marginal bands, caps and qualifying periods. Third, the result is checked against an independent calculation before publication, so a coding slip cannot quietly become a wrong number on a live page. Fourth, the page goes out with its sources linked and the date the figures were last verified.

When a rate changes, the calculator and the guide beneath it are updated together. A tool that computes correctly under an explanation describing last year’s rules is still wrong.

Where the numbers come from

Every calculator lists the institutions its figures come from, and the list is not decoration. Those bodies are the authority; this site is not. If a number here ever disagrees with the source, the source is right — and we would rather hear about it than leave it standing. None of the linked institutions pays us, and none of them has any say in what appears here.

What Finrato is not

Finrato is not a bank, lender, credit broker, insurer or financial adviser. It does not sell products, open accounts, hold money or pass your details to anyone. The calculators apply published rules to figures you type in; they cannot know your full circumstances, and nothing on the site is personal financial, tax or legal advice. For decisions with serious consequences, use the results to prepare better questions and then speak to a qualified adviser or one of the free services linked on each page.

Privacy by design

The calculators run entirely in your browser. The figures you type are never sent to a server, never stored and never shared — which is also why the tools keep working offline once a page has loaded. There is no account, no sign-up and no need to identify yourself to use anything on the site.

When we get it wrong

Rates change, sources get reworded and mistakes happen. Every calculator page carries the date its figures were last checked and a link to the editorial policy explaining how corrections are handled. If you spot something wrong, email info@finrato.com — corrections are the fastest thing acted on here, and the verification date on the page changes when one lands.

Three languages, one method

Finrato is published in English, Polish and Latvian. These are not translations of one country’s rules: each language covers its own tax system, with its own thresholds and its own sources. A few tools exist in one language only, because the scheme behind them exists in one country only — Latvia’s annual vehicle tax has no Polish equivalent, for instance. Where that happens it is a deliberate choice, not an oversight.

Contact

Questions, feedback or a correction? Email us at info@finrato.com. For our terms of use, affiliate disclosure and privacy & cookie policy, please see the Legal page.