Guides
Practical guides that go with our calculators: formulas, examples and explanations without the fluff.
Is early loan repayment worth it?
A 5,000 KM extra payment on a remaining 30,000 KM loan at 6% saves 1,571.53 KM of interest and cuts 11 instalments. When it pays off and what to check first.
Published: 2026-09-06
The true cost of a 50,000 KM loan
A 50,000 KM loan at an illustrative 6% over 10 years: the payment is 555.10 KM, but you repay 66,612.30 KM in total. Term comparison for 5/10/20 years and how fees add up.
Published: 2026-09-06
What a 2,000 KM net salary costs the employer
A 2,000 KM net salary costs an FBiH employer 3,330.92 KM (gross 3,172.30 + 5% contributions) and an RS employer 3,024.57 KM. The full official-rate breakdown, step by step.
Published: 2026-09-06
Gross and net salary in Bosnia – what goes into the calculation
What gets deducted from a gross salary in FBiH and RS: contributions, income tax and the personal allowance, at official rates — with a 2,000 KM example.
Published: 2026-09-05
How loan payments are calculated: annuity, interest and term
How banks compute your monthly loan payment: the annuity formula, how the rate and term change the payment, and a worked 50,000 KM example.
Published: 2026-09-05
Nominal vs. effective interest rate – what's the difference?
The nominal rate drives your payment; the effective rate (APR) shows the true cost of a loan with all fees included. The difference, an example, and what to compare.
Published: 2026-09-05
How to calculate VAT and extract it from a gross price
Adding 17% VAT to a net price and extracting VAT from a gross price: exact formulas, worked examples and the most common extraction mistake.
Published: 2026-09-05
How to calculate a percentage – formulas and examples
A plain explanation of percentage math: X% of a number, shares in percent, increases and decreases. All the formulas with worked examples.
Published: 2026-09-05
kW, hp and PS – the difference and conversion formulas
Kilowatts, metric horsepower and mechanical horsepower are not the same measure. Conversion formulas (1 kW ≈ 1.36 PS), why registrations use kW, and common values.
Published: 2026-09-05