How our calculators work

Each calculator shows its scope, assumptions and limitations. Change the inputs to compare scenarios; the result does not predict a bank’s decision or replace an official payroll calculation.

The loan calculator uses equal monthly payments with a monthly interest rate. The deposit calculator uses simple interest without compounding. Their simplified results exclude fees, taxes and other costs unless a tool explicitly asks for them.

Salary and vacation calculators describe the Armenian rules and source links used. Check their reference dates and included cases. Individual payroll circumstances may require an accountant’s calculation.

The debt check is a budgeting heuristic: monthly debt payments at 50% or more of income, or late payments, trigger its high-risk band. A ratio from 35% to below 50%, or at least three loans, triggers the middle band. It is not a credit score or a lending decision.

If a calculation looks wrong, send the page link, the assumption you question and a reproducible example through our contact channels. Use fictional amounts and omit personal documents, account numbers and identifying details.