Thank you for the specific feedback

After launch, you started sending suggestions: calculations that were hard to find, missing fields and details that were difficult to see on a phone or in dark mode. Several of those observations shaped this update. Thank you to everyone who tried the calculators on their own tasks and wrote to me.

A clearer catalogue

Financial and investment tools now sit together under “Money and investments”, with four sections: “Money”, “Investments”, “Cost of capital and valuation” and “Securities”. Loan, leasing and rate change occupy the first row in Money. Cash-flow forecasting is in Business, and Health remains a separate category.

You can also reach leasing and the buy-or-lease comparison from Auto, and the loan calculator’s home-loan mode from Property. Familiar abbreviations now follow the full names in parentheses: WACC, CAPM and DCF. For example, searching for WACC now finds “Weighted average cost of capital (WACC)”.

Salary: choose the tax-free amount yourself

The salary calculator lets you enter the tax-free amount to apply, including 0. This is useful when no tax-free allowance should be applied in that calculation. The control is a regular number field: after your feedback about clutter, I removed the extra slider.

There is a question-mark explanation next to the field. The retirement-age button and insurance contribution controls remain, with clearer guidance for the transition month. The changes are available in all four site languages.

Loans: the contract fee is now included

The loan calculator has a new “Contract fee” field, set to 0 by default. The one-off fee is treated as paid separately when the agreement is signed. It increases total outlay and appears on its own line, without changing the loan amount, interest or monthly payment.

For example, a loan of €1,200 over 12 months at 0% with a €25 fee has a monthly payment of €100 and total outlay of €1,225. The fee is neither spread across the instalments nor added to the debt.

Buying or leasing: compare the whole scenario

The equipment calculator now also supports comparing a vehicle purchase with leasing. It compares a purchase using your own funds with the fixed monthly payment in a lease quotation over the same term. That payment already includes interest, which is not added again.

You can include a down payment, contract fee, other upfront costs, insurance, maintenance, taxes and other annual expenses. Extra costs default to 0 and sit in an expandable section. If a service is already bundled into the lease payment, do not enter it a second time.

At the end of the term, choose return or buyout. Returning includes the return charges you enter; buying out includes both the buyout payment and the value of the asset you then own. The calculator shows costs net of terminal asset value, along with their present value. It does not model a loan-financed purchase, and you supply the estimated future value and expenses.

A few smaller but visible fixes

I also improved clothing-brand logo contrast in dark mode and adjusted line breaks on the About card. These details are often easier to spot during everyday use than in a list of completed features.

If something is still awkward or unclear, write through the contact page. The calculator name, selected language and a short example help me investigate. Please leave out personal documents and other people’s data — illustrative numbers are usually enough to reproduce a problem.