Calculators

Net salary

Net salary calculation (income tax + military levy)

Hiring cost

recruiter + job boards + onboarding

Offer comparison

Two job offers side by side: net annual income with bonuses, benefits and vacation — how much you actually take home.

Deposit calculator

Deposit return with capitalization

Savings calculator

How much to save to reach your goal

Deposit ladder

split over 3/6/9/12 mo — quarterly liquidity without losing yield

Loan calculator

Loan — Calculators

Refinancing

is refinancing worth it: new rate, fees and real savings

Emergency fund

Reserve fund calculation

Monthly budget

Budget — Finance

Inflation calculator

purchasing-power erosion: forecast or actual UA CPI 2015–2024

Real deposit yield

after PIT, military levy and inflation — the true return

Currency converter

Currency — Calculators

FX savings

average purchase rate → current value and profit

Debt payoff

snowball vs avalanche strategies: timeline and interest simulation

Loan vs savings

borrow now or save up — what's cheaper with inflation

Tax calculator

Income tax and simplified systems

Bank fees

yearly service cost: monthly fee, withdrawals, transfers, spread

Funded pension plan

target income → capital (4% rule) → monthly contribution

Expense splitter

shared expenses: who owes whom — minimal settlements

Home Accounting

household expense tracking: envelopes, 50/30/20, categories

Cost of a child

how much a child costs: expenses by age stage 0–18

Cashback optimizer

spending categories × card cashback — best card & yearly gain

Life coverage

how much life coverage is needed: income × years + debts − assets

Life cover amount

income × years + debts + kids' education − savings → cover amount

Financial literacy

finance terms: annuity, effective rate, inflation, liquidity

Finance Report

net worth, cash flow, ratios, goals

FOP tax calculator

Sole proprietor taxes on the simplified system (groups 1-4)

5% or 3% + VAT

when VAT registration at 3% beats the plain 5% rate

Tax system choice

single-tax groups 1/2/3 vs general system — tax burden comparison by income and expenses

KVED codes

Codes by single-tax group and activity picker

Cash register check

decision tree by single-tax group and payment form + fines for missing receipts

FX revenue

FX revenue rules for FOP: sale quotas, exchange differences, FEA documents

Employee cost

net salary → gross → total employer cost including SSC

Banks for FOP

Business account comparison: banking fees, acquiring, FX operations

Acquiring fees

terminal commission: cards vs cash

Acquiring fees

Acquiring Fees — Business

Profit withdrawal

how much reaches the owner after all taxes under different business forms

Income limits

headroom to the group limit and projected breach at the current pace

FOP + job

Combining FOP and employment: taxes, SSC, reclassification risks

SSC for FOP

minimum payment, voluntary top-up for pension record and exempt categories

Tax holidays

FOP incentives and exemptions: SSC, single tax, Diia.City

Tax audits

Audit types, taxpayer rights, and step-by-step preparation

Foreign contracts

FOP FEA contracts: form, details, currency control

Fines & penalties

underpayment fine, late-payment penalty (120% of NBU rate), declaration fine

Unit economics

Profitability Calculator — Business

LTV / CAC

LTV and CAC calculator: customer lifetime value, acquisition cost, LTV/CAC ratio and marketing payback.

NDA Generator

One-way/mutual NDA: definition, exceptions, term, breach consequences.

Company valuation

valuation by industry multiples

DCF valuation

Business valuation via DCF: free cash flow forecast, discount rate, terminal value using the Gordon model.

Equity dilution

cap table and dilution after a round

Cap table

Cap table calculator: founder shares, ESOP, funding rounds, pre/post-money and dilution.

Franchise assessment

royalty, entry fee, net income

Markup vs margin

Markup Margin — Business

Employee cost

Payroll Cost — Business

Working capital

Working Capital — Business

Cash gap

Cash Gap — Business

Tender margin

expected value of a Prozorro bid

E-residency

Estonian e-residency: procedure, taxes, banking, costs

ROMI & marketing mix

return on marketing investment, channel budget benchmarks

Incoterms

EXW, FOB, CIF, DDP — who pays

FX risk

exchange differences on a contract

FX differences

Foreign currency amount and two rates → FX difference, income or expense, accounts.

KPI dashboard

industry metrics for weekly review

Selling a business

due diligence prep checklist

Plot due diligence

pre-purchase plot checklist

Bank comparison

Your profile → monthly cost per bank

Transfer times

Method → time, fee, nuances

Money transfer

compare fees and FX margins — what the recipient actually gets

IBAN formats

Country → length, structure, IBAN example

IBAN validator

Iban Check — Business

FX spread

NBU vs exchange → spread and loss

Currency converter

Currency — Calculators

Crypto ramps

Amount → crypto on/off-ramp cost

Scope / SOW

fields → structured SOW document

Loan collateral

Collateral types (apartment, car, deposit, equipment) — LTV, documents, bank nuances

Payment systems

Visa, Mastercard, Prostir, UnionPay — coverage, conversion, working abroad

AML limits

Monitoring thresholds and bank questions

Safe deposit box

Bank vault box rental: how it works, cost, what to store, risks

Cheques & bills

Cheque, bill of exchange, bank draft — how they work, requisites, fraud risks

Deposit guarantee

Deposit Guarantee — Business

Multi-currency accounts

FX accounts and cards, conversion, spread, DCC traps abroad

Installment cost

Installment Cost — Business

Autopayments

Standing order, direct debit, recurring charges — setup and control

Foreign payments

Ways to receive payment: fees, docs

Tax accounts

Single tax account, what goes where, balance checks, FOP specifics

Banking terms

Search payments and account terminology

Mortgage calculator

Monthly payment and overpayment estimate

eOselya mortgage

subsidized 3%/7%: payment, down payment, savings vs market rate

Refinancing

is refinancing worth it: new rate, fees and real savings

Loan vs leasing

total cost comparison: annuity, residual value, fees

Loan calculator

Loan — Calculators

Credit History

how to check your credit bureau report and improve your score

Microloan real APR

what «1% per day» really costs: APR, overpayment, rollovers

Suretyship

guarantor risks and obligation overview

Early repayment

lower payment vs shorter term — which saves more

Pay off or invest

early repayment vs investment — break-even rate

Credit Holidays

conditions, documents, impact on credit history

Loan Insurance

what's mandatory and what's imposed in loan insurance

Collateral

how the bank values collateral

Value estimation

area × location × condition → price

Collectors

debtor rights and collector response templates

Business Loans

overdraft, credit line, factoring for business

Equipment Leasing

leasing vs loan — payment and full cost

Mortgage affordability

how much you can borrow given income and existing debt

FX Loans

currency risk, scenario math, 2008/2014 lessons

Payment schedule

annuity or classic — monthly table with interest and principal

Credit Glossary

loan and mortgage terms in plain language

Stocks + DRIP

Dividends, DRIP reinvestment and CAGR over horizon

Bond yield (YTM)

YTM from price, coupon and term + after-tax yield

ETF comparison

How TER eats returns: compare two funds over a 10+ year horizon.

DCA calculator

Monthly contribution and return → capital over the horizon with pessimistic and optimistic scenarios.

Deposit calculator

Deposit return with capitalization

Real deposit yield

after PIT, military levy and inflation — the true return

Deposit vs bonds vs index

after-tax comparison over N years

Compound interest

Compound — Calculators

Portfolio rebalancing

Target asset weights vs actual → how much to buy or sell per position.

FX basket

Currency allocation and FX move scenarios vs hryvnia

Metals markup

Fair spot price vs seller markup; troy ounces

Rental yield

Property price, rent, vacancy and costs → net yield and payback period.

IPO risk

IPO and crowdfunding risk evaluation checklist

Investment plan

Goal → monthly contribution and risk-profile allocation

Investment taxes

PIT and war levy by income source: dividends, shares, bonds, deposits, crypto.

Broker comparison

Annual servicing cost: trade commissions, custody, FX spread.

First steps

Roadmap from emergency fund to first ETF

Scam check

10 red-flag checklist for financial pyramids before investing money.

Pension fund

Pension fund contributions → capital and monthly payout

Dividend plan

Target monthly passive income → capital needed and monthly contribution.

Investor glossary

ETF, TER, DCA, dividends, rebalancing — terms

Liability vs CASCO

car value × risk → what's economically justified

Green Card guide

terms, coverage and what to check before departure

Health insurance

comparing plans: coverage, clinic networks, deductibles, exclusions

Home insurance amount

structure + renovation + contents + liability → adequate cover

Travel insurance

Travel Insurance — Travel

Travel insurance checklist

what a policy must cover for visas and travel

Life cover amount

income × years + debts + kids' education − savings → cover amount

Business insurance

liability, property, business interruption, D&O — what is needed

Deductible worth it?

policy discount × claim probability → when a deductible pays off

Claim step by step

action checklist for an accident/loss — so you don't lose the payout

Agro insurance

crops, livestock, weather indexes, state support — programs and documents

Cargo insurance

CMR insurance, carrier liability, all-risks vs limited — what to choose

Machinery Insurance

combines, tractors, special equipment — coverage, tariffs, documents

Cyber Insurance

business policies: incidents, ransomware, data breaches

War risks

what is covered for citizens and business: cars, homes, cargo, investments

Mortgage insurance

mandatory policies: property, life, title — costs and how to save

No-Insurance Fines

driving without liability cover — fines, accidents, avoidance

Liability payouts

limits calculator: property/health, deductible, direct settlement

Policy comparison

price − deductible − limits − exclusions → real cost of two policies

Insurance glossary

deductible, limit, underwriting, subrogation — in plain words

Depreciation

Initial and residual value, life → depreciation schedule under four methods.

Accounting policy

Depreciation and inventory methods, thresholds → accounting policy order text.

Cash limit

Cash receipts or disbursements → cash-on-hand limit by formula.

Inventory count

Book vs actual by item → surpluses and shortages for the reconciliation statement.

Payroll sheet

Gross salaries → PIT 18%, war levy 5%, net pay and employer SSC 22%.

Per diem

Per Diem — Travel

Advance report

Advance, per diem at norms and actual expenses → balance or overrun.

FIFO valuation

Lots «qty price» and sale → COGS under FIFO and weighted average, remaining stock.

FX differences

Foreign currency amount and two rates → FX difference, income or expense, accounts.

Mini balance

Assets and liabilities → balance consistency check and working capital.

Invoice

services → printable invoice text

Dividend tax

UA 5%/9% + 5% levy; foreign — WHT + credited top-up

Reporting fines

Violation type and amount → indicative fine and penalty.

Document archive

Retention periods by document type with search

IFRS mapping

Accounting area → Ukrainian GAAP vs IFRS rules and key differences

Audit check

Preparation checklist for tax or financial audits

Year-end closing

Step-by-step year-end closing checklist with deadlines

Digital signature

FOP, entity or individual → which key you need and where to get it

Excel / 1C export

Excel, 1C, M.E.Doc, bank-client → formats and tips

Accounting glossary

Source docs, trial balance, AR/AP, VAT, SSC — searchable terms

Inheritance tax

PIT 0/5/18% + military levy by degree of kinship

Late-payment penalty

3% p.a. for delay + inflation losses on the debt

Court fee

rate by claim value, case type and instance (2025)

Severance pay

statutory minimums per art. 44 LC + average earnings

Land disputes

Boundary disputes, cadastre & registry, unauthorized occupation, easements, evidence.

Rights registration

DRRP & extracts, counterparty checks, registry errors, primary registration.

Copyright

What is protected, work for hire, stolen content, using others' work, AI authorship.

Privacy & data

Privacy policy, cookies & consent, Ukrainian data law, breach response.

Mediation

Out-of-court dispute resolution: when it fits, process, cost and terms.

Pre-purchase check

docs, encumbrances, deal — before deposit

Purchase costs

price + duty + notary + commission

Mortgage calculator

Monthly payment and overpayment estimate

eOselya mortgage

subsidized 3%/7%: payment, down payment, savings vs market rate

Rent indexation

CPI or fixed % — new rent

Sale taxes

ownership period and gain → tax

Value estimation

area × location × condition → price

Developer checklist

permits, finances, off-plan contract

Commercial yield

rent − vacancy − costs → yield

Renovation ROI

which improvements pay off at sale: cost vs price uplift

Encumbrance check

rights, mortgage, arrest, bankruptcy registries — pre-deal checklist

Build vs buy

house construction cost vs buying finished — full calculation

HOA fees

area × rate + charges → fee

Replanning

legalization procedure: project, documents, prohibitions

New-build risks

shared-equity construction: FOP/bonds/FFC schemes, red flags

Property abroad

Poland, Spain, Turkey: procedures, taxes, risks

Inheritance

property inheritance: procedure, 0/5/18% taxes, deadlines

Property insurance

how much coverage needed: rebuild cost + contents

Utilities when renting

fair utility split between tenant and owner

Real estate glossary

real estate terms: registry, tech passport, deposit, escrow

Seeding rate

kg/ha from thousand-kernel weight, plant density and seed suitability

Fertilizer

product rate per ha from crop N, P₂O₅, K₂O needs

Hectare profitability

revenue, costs and margin per hectare from yield and price

Crop rotation

crop → good/bad predecessors and field return period

Tank mix

product and spray volume rates → dose per tank

Grain units

conversion using the standard bushel weight of each crop

Sowing calendar

sowing/harvest windows by crop + soil conditions

Irrigation rate

moisture deficit (mm) → m³/ha adjusted for irrigation efficiency

Hybrid vs variety

seed cost and yield → margin per hectare

Seed treatment

product and working-solution needs from per-tonne rate and lot size

Crop Economics

sunflower, corn, wheat — margins and cost structure

Crop insurance

sum insured → premium by type and approximate payout

Grain storage

bin/floor capacity by crop bulk density and mass loss during drying

Grain quality

protein, gluten, test weight → class and premium/discount

Pesticide Registry

active ingredients, rates, pre-harvest intervals, resistance

Machinery break-even

machine price and own/hired gap → minimum area

Nitrogen requirement

N dose from nutrient removal at target yield, soil supply and previous crop

Biopreparations

application rates, compatibility, economics

Field log

field record template: columns, volume, rules

Agro Glossary

soil, seed, crop protection, harvest, economics, machinery

TMR ration

ration components → dry matter and cost per head/day

Feed conversion

kg feed per kg gain, average daily gain and cost per kg of gain

Dairy profitability

yield × milk price − feed/vet/other → margin per cow and cost per litre

Beef finishing

average daily gain → weight, dressing yield, finishing days

Egg production

layers × laying rate → eggs per day and feed per dozen

Broiler cycle

cycle profit: live-weight revenue − chicks, feed by FCR and other costs

Herd structure

heads by group → calf crop forecast and reproduction balance

Zootechnical norms

feeding, water and area norms by species and age — quick reference

Vaccination calendar

animal type → vaccination and deworming schedule

Drug dose by weight

ml = weight × mg/kg ÷ mg/ml; per head, group and course

Livestock housing

floor space norms m²/head and feeder front by species

Manure output

heads → tonnes of manure per year and NPK fertilizer value

Milk production cost

feed + labor + vet + overhead → cost per liter of milk

State support

subsidies, grants, soft loans for livestock — program map

Utility subsidy

Mandatory payment and housing subsidy amount

Feed procurement

seasonal buying, cooperation, quality control

Calf rearing

calf feeding and housing schemes by period + economics

Cow culling

when it's profitable to sell a cow: milk margin vs slaughter price

Breeds reference

cattle, pig, sheep, goat, poultry breeds — productivity & traits

Apiary economics

income per colony: honey, wax, packages — minus annual costs

Herd watering

watering norms → daily and peak water demand

Farm electricity

farm daily consumption by consumer: peak and bill

Livestock documents

vet certificates, animal registration, record journals — checklist

Zoo glossary

zootechnical terms: yield, lactation, conversion, culling

Machinery need

area ÷ (output × agro window) → machines needed

Fuel

Calculate fuel usage and trip cost

Season fuel plan

operations × l/ha norm × area → seasonal diesel need

Machine-hour cost

depreciation + maintenance + fuel + wages → cost per engine-hour and per hectare

Own vs hire

minimum area where buying a machine beats hiring the operation

Maintenance schedule

engine hrs/mo + intervals → schedule and budget

Tires & attachments

Tire types, sizes, pressure, three-point hitch categories, PTO and hydraulics — a guide.

Grain drying

shrinkage by the Duval formula and cost per tonne-% of moisture removed

Fuel accounting

Limit-issue cards, waybills, consumption norms, write-offs — farm fuel-record forms.

Agri-drone economics

drone vs sprayer application: cost/ha, crop loss

Rental rate

depreciation + fuel + operator → fair rate/ha

Leasing vs buy

down payment + installments + buyout vs price

Farm electrics

Total load calculation and generator sizing with starting-current margin.

Wash bay & workshop

Workshop and machinery-wash planning: zones, electricity, air, safety norms.

Field work calendar

crop → typical field operation schedule

Operation time

ha/h from working width, speed and field-time efficiency

Sprayer setup

nozzle flow from rate l/ha, speed and spacing — with ISO nozzle selection

Grain transport

trips to the elevator, mileage and cost per tonne-kilometre

GPS savings

overlap without vs with GPS → materials saved

Machinery documents

Registration, tractor license, machinery insurance, purchase — documents and records.

Machinery glossary

Core farm-machinery terms: hitches, PTO, RTK, precision ag, maintenance.

Lease indexation

rent rate × inflation → current payment value

Land share rent

NMV × rent rate (minimum 3%) + indexation + grain equivalent

Plot valuation

NGO → share value, minimum rent and sale taxes

Emphyteusis & easements

Forms of using another's land: lease, emphyteusis, easement, sublease, superficies — how they differ and what registers.

Plot exchange

plot exchange — value difference and top-up

Plot due diligence

pre-purchase plot checklist

Survey & cadastre

survey + boundary markers + cadastre registration — estimate

Soil protection

soil protection norms, reclamation, erosion control

Rent vs in-kind share

cash rent vs % of harvest — equivalent value

Share inheritance

How to inherit a land share: documents, taxes, certificate restoration, typical problems with active leases.

Land disputes

Boundaries, leases, share inheritance, double registration — how land disputes resolve: documents, expertise, court.

Land subsidies

Agrarian support program map: per-hectare subsidies, irrigation, young farmers, regional programs, agrarian registry.

Forest plots

Forest-land circulation, recreation leases, timber harvest, garden cooperatives — what's allowed on forest plots.

Land mortgage

land collateral × LTV → max loan and payment

Cadastre services

Cadastral number, cadastre extracts, registry changes, public cadastral map — procedures, cost and terms.

Farm registration

family farm formation checklist

Land tax

normative monetary valuation × Tax Code rate → yearly tax

Authorities (land)

who handles what: SGC, registrar, municipality, courts

Land use plan

Land structure calculator: arable, pasture, hayfields, forest, water — shares, farm direction, protected zones.

Land glossary

Land terms in plain language: share, NGV, cadastral number, cadastre, emphyteusis, easement, surveyor.

Sowing calendar

from last frost: seedlings, ground, harvest

Planting norms

row × plant scheme, count and yield per area

Fertilizer doses

NPK rates into spoons, buckets, g/m²

Greenhouse

m² polycarbonate, m³ soil, kW

Watering

liters per watering by crop and soil

Orchard layout

trees/ha by spacing, pollinator share, seedling cost

Pruning Calendar

crop → seasonal timing and rules

Pest Guide

pest → signs and control

Compost C:N

greens + browns → time to ready

Preserves → jars

jars + salt/sugar/vinegar per recipe

Preserve Norms

salt/sugar/vinegar per jar

Plant Wintering

cover and timing per plant

Lawn

kg seed, topsoil, starter fertilizer

Grape Pruning

age + vigor → bud load

Berry Economics

area → yield and income

Microgreens

trays → kg and income per cycle

Season Budget

season expense categories

Organic Farming

Crop rotation, green manures, biocontrol, weed-free without chemicals — practical organic rules.

Balcony Garden

Load limits, containers, substrate, light and watering — what and how to grow on a balcony.

Association Docs

Status, fees, land, board, common disputes — the legal basis of a garden society.

Gardener's Glossary

Soil, sowing, care, diseases, harvest — a glossary for gardeners.

Apiary economics

income per colony: honey, wax, packages — minus annual costs

Beekeeper's calendar

monthly apiary tasks

Colony strength

estimate by bee streets and brood

Bee feeding

winter feed norm by zone and 2:1 / 1:1 syrup recipe

Feeding syrup

sugar & water by 1:1/3:2/2:1 ratios

Hive builder

box and frame count by hive type

Honey flow forecast

expected harvest from the forage base

Winter feed

feed consumption per colony over winter

Bee diseases

disease reference, treatments, quarantine

Apiary passport

vet-sanitary passport generator for honey sales

Extraction tanks

barrels, cans, buckets for honey volume

Splits calculator

apiary expansion via splits

Forage base

ha of melliferous crops → colonies

Honey Sales

sales channels, pricing, documents, packaging, wholesale

Vet Requirements

apiary passport, treatments, vet certificate, quarantine, lab

Wax yield

wax rendered from comb frames

Beekeeping & sole trader

taxes and registration for honey sales

Honey Fair

participant checklist: prep, equipment, display, selling

Honey packaging

kg of honey → jar counts

Queen calendar

queen rearing timeline from grafting

Beekeeper's glossary

beekeeping terms in plain language

Pond stocking

density norms by species, survival, harvest forecast kg/ha

Stocking density

ha × mode → fish count

Fish feeding

daily ration % of biomass by water temperature, FCR feed cost

Daily feed rate

% of biomass by water temperature

Pond volume & aeration

pond m³, aerator kW by intensity, exchange flow

Polyculture

species mix and stocking split

Cycle profitability

costs vs harvest revenue

Water parameters

oxygen, pH, temp, ammonia by species

Fingerlings

quality assessment: size, uniformity, activity, origin, transport

Growth forecast

stocking → market weight over weeks

Fish diseases

symptoms and prevention

Wintering

wintering norms: depth, oxygen, ice cover, overgrowth, preparation

Documents

permits, water use, veterinary, business form, reporting — full list

Paid fishing pond

fees vs catch and restocking

Fish sales

channels: live fish, processing, paid fishing, wholesale — margins and docs

RAS

calculation: volume, density, biofiltration — when it pays off

Water rights

Water rights for fish farming: lease, special water use, permits, common mistakes

Feed base

zooplankton, fertilization, melioration — cutting feed costs

Dam & levee

Trapezoid cross-section → m³ of soil, +12% compaction, works estimate

Ice & winter risks

Winter kill: oxygen monitoring, ice holes, aeration, pond winter preparation

Aquaponics

fish + plants: balance, crops, economics, starter setup

Farmer glossary

fry, market fish, polyculture, winterkill, FCR — terms

Stand volume

ha × m³/ha by stand type

Lumber volume

board/beam → m³ and pcs per m³

Log volume

diameter × length → m³ of round wood

Planting density

scheme × ha → seedlings with reserve

Tending cuts

cut type and thinning intensity by age

Culture cost

prep + seedlings + planting + tending

Firewood

stacked → solid m³, calorific value, seasonal need

Firewood stack

stacked volume → solid wood

Lumber yield

log → boards by sawing method

Pellet economics

feedstock → cost per tonne of pellets

Forestry Documents

felling ticket, quota, special permits, timber sale

Forest nursery

seed and area for required seedlings

Mushrooms & berries

gathering seasons and daily limits

Fire protection

fire readiness checklist

Farm Forestry

shelterbelts, species, economics, agroforestry

Carbon stock

stand CO₂ estimate by age

Forest lease

forest plot lease guide

Logging Machinery

harvesters, forwarders — productivity and logging economics

Timber Export

rules, documents, FSC certification, prices, logistics

Bark beetle control

detection, sanitary actions, prevention

Forester glossary

inventory and forestry terms

Construction estimate

Cost per m² → stage breakdown: foundation, walls, roof, windows, utilities, finish — typical budget structure.

Foundation type

soil + house weight + groundwater → recommendation and concrete volume

Foundation concrete

volume by foundation type + M250 recipe, rebar and cost

Wall materials

aerated block / brick / frame — cost per m² and thermal resistance (R)

Roofing materials

slope area by pitch + overlap reserve, battens and ridge

Floor slabs

span and load → floor type and approximate cost

Insulation

required R per DBN − existing structure R → thickness by material λ

House utilities

Electrical, water, sewage, heating, ventilation — cost ranges per m² for a private house.

Window area

room area → daylight norm and glazing heat loss

Heat loss

through the envelope (U×A×ΔT) → required boiler power

Site geology

When soil investigation is needed, what boreholes and lab give, costs, risks of building without it.

Construction permits

Complexity categories, notification vs permit, building passport, readiness declaration, unauthorized-build risks.

Build schedule

stage plan by house size — how long it really takes

Work schedule

stages × weeks → deadline

Earthworks

pit/trench → soil volume with bulking factor

Masonry: blocks & mortar

wall area × material → block count and mortar/glue

Winter building

Concreting below zero, antifreeze admixtures, winter masonry, concrete curing, what's prohibited in frost.

Work acceptance

Foundation, walls, roof, windows, utilities, finish — what to check before paying each stage.

Self-build vs contractor

materials + labor + mistake losses → real savings

Mortgage calculator

Monthly payment and overpayment estimate

eOselya mortgage

subsidized 3%/7%: payment, down payment, savings vs market rate

Construction insurance

CAR policies, third-party liability, cost, exclusions — what's actually covered on a build site.

Building glossary

Reinforced belt, dew point, concrete cover, barriers, thermal bridge, screed guide — building terms in plain language.

Paint

How much paint you need for walls and ceiling

Wallpaper

How many rolls you need for a room

Tiles

Tile quantity including cutting reserve

Laminate

How many laminate packs you need for the floor

Room estimate

area × level × type → budget

Electricity

Appliance energy usage calculator

Outlet planning

Room + area → outlets and code heights

Water

Consumption norms and cost

Screed

area × thickness → volume and bags

Drywall ceiling

dimensions → profiles, sheets, hangers

Flooring compare

laminate vs SPC vs parquet vs tile

Doors & arches

Openings, door types, arches, hardware — what to consider when planning

Kitchen

front → fronts, countertop, modules

Bathroom norms

waterproofing, slopes, ventilation

Soundproofing

Constructions against airborne and impact noise, materials, common mistakes

Ventilation

Required air exchange by standards and room type

Renovation budget

Estimated cost by renovation type + cost breakdown

Work acceptance

stage-by-stage acceptance checklist

Materials & classes

Economy/standard/premium: where to save and where saving costs you

Design project

What a design project includes, stages, cost, and when it pays off

Demolition waste

area × scope → m³ of waste

Contractor contract

Mandatory contract clauses: payments, estimate, hidden works, warranties

Finishing glossary

Renovation terms in plain words: materials, technologies, constructions

Cable cross-section

by power and length: allowable current (PUE) + voltage drop + breaker rating

Panel configurator

Allocated power → main breaker, modules, RCDs

Breaker selection

Load + cable → breaker rating

Appliance consumption

kWh/month and cost per appliance — find the hungriest

Grounding loop

Soil type → electrodes for target resistance

Lighting

lux norms by room type → luminous flux and fixture count

Outlet planning

Room + area → outlets and code heights

Kitchen wiring

Dedicated lines for heavy appliances, cable sizing, RCD and outlet plan for the kitchen.

UPS sizing

Load + runtime → UPS VA and battery Ah

Home generator

sizing with starting currents, fuel use, cost per day

Solar station

sizing by consumption, regional yield, payback

Electric vs gas heating

kW by heat loss, seasonal bill, gas comparison

Floor heating

Area + mode → watts, current, circuit

Smart home wiring

Neutral in switch boxes, Zigbee/Wi-Fi/KNX protocols, low-voltage and backup power.

Electrical safety

Bathroom zones, RCD vs breaker, child safety and signs of bad wiring.

Electricity

Appliance energy usage calculator

Day/night meter

does a two-zone meter pay off for your consumption profile

Low-voltage plan

Rooms/TV/cameras → cable and switching

Workshop wiring

Three-phase for machinery, moisture & dust protection, lighting and inrush currents.

Electrical documents

Wiring diagram, acceptance act, measurement protocols and electrician contract.

Electrician's reference

Wire colors, cable markings — cheat sheet

Radiators

room heat loss → section count with temperature-regime correction

Boiler comparison

Gas, electricity, pellets, heat pump — cost of 1 kWh of heat at current fuel prices.

Heat loss

through the envelope (U×A×ΔT) → required boiler power

Water

Consumption norms and cost

Well pump

Well depth, distance to house, flow rate → pump head and accumulator size.

Sewage slope

Pipe diameter and length → code slope mm/m and total height drop.

Septic tank

volume by residents and water use, rings or pumping schedule

Boiler vs central DHW

kWh to heat water vs the DHW tariff

Water filtering

Pick a water treatment system by problem: iron, hardness, chlorine, sediment — filtration stages

Underfloor heating

Area, pipe spacing, loop length → meters of pipe and number of circuits.

Bathroom plan

Water, drain and electric points by bathroom zone with installation heights

Gas equipment

Placement norms for gas boiler, stove, meter and required documents

Chimney

Boiler power and height → chimney diameter, draft and duct requirements.

AC sizing

Area, ceiling height, sun exposure, people and appliances → required BTU and AC model.

Heat recovery

Airflow and temperature difference → saved kWh and payback of the recuperator.

Boiler room piping

Boiler room piping schemes: radiators, underfloor, DHW cylinder — node sequence

Freeze protection

Anti-freeze measures for pipes: heat cable, antifreeze, insulation — length estimates

Expansion tank

Coolant volume and temperature → expansion tank size and precharge pressure.

Plumbing acceptance

Plumbing works acceptance checklist: pressure test, joints, documents before payment

Leak response

Step-by-step response to a leak: water shutoff, documentation, who pays for damage.

Plumbing documents

Contract, estimate, acceptance act, warranty — what each document must contain

Plumbing glossary

Manifold, pressure test, hydraulic separator, vent stack — key terms in plain language

Estimate builder

items × qty × price → total

Work rates

price reference by work type

Local estimate

area × level → estimate from typical items

Resource sheet

Materials + labor + machinery → direct costs, overhead, profit, contingency

Completion act

KB-2v-like act generator

Payment schedule

annuity or classic — monthly table with interest and principal

Technical spec

renovation spec generator

Renovation tender

contractor offers → weighted ranking

Work schedule

stages × weeks → deadline

Volume sheet

rooms → wall/floor/ceiling/plinth volumes

Overhead & profit

price structure per DBN

Stage payments

safe advance scheme

Amendment

estimate-change generator

Hidden works act

hidden works act generator

Defect act

defect act generator

Warranty obligations

Contractor warranty letter template + statutory warranty periods

Demolition rates

rate reference + scope calculator

Materials: who buys

who should buy

Site photo report

site photo report template

Estimating glossary

Estimate types, methods, price structure, overhead/profit, key documents

Database check

VIN report, stolen check, pledges, taxi use, registration bans and doc matching.

Car valuation

Age, segment and mileage → estimated market price range.

Depreciation

Depreciation — Auto

Handover act

handover act generator with inventory

Sale taxes

Registration fee and seller income tax from the third sale per year.

Trade-in vs sale

Trade-in discount vs private-sale costs — which wins.

US auction cost

bid + fees + shipping → real price

Landed cost

duty + excise + VAT + pension fee

Pre-purchase inspection

Used car checklist with weighted points and critical items.

Mileage tampering

Odometer rollback signs: OBD, service history, interior wear.

Loan vs lease

Loan, lease, cash — total ownership cost and overpayment.

Model trims

Golf, Octavia, Camry, Tucson, Leaf trims: what to pick and safety minimums.

Price seasonality

Seasonal price index by body type — when to buy.

First car

Real budget, first car choice, inspection, paperwork and first month.

Used EV checklist

pre-purchase inspection

Moto & scooters

License categories, first bike, gear, used-bike check and seasonality.

Negotiation script

Car defects → justified price offer and ready bargaining phrases.

Buyer glossary

VIN, TCO, service history, paint gauge, leasing, customs, trade-in.

Fuel

Calculate fuel usage and trip cost

Cost of ownership

fuel+service+insurance+depreciation → per year, per km

Tire sizes

diameter, speedometer error, clearance when changing size

Winter checklist

car winter prep checklist

Battery picker

engine+climate → capacity, CCA, type

Car Care

washing schedule, body protection, interior, winter care

Inspection

who needs it, documents, checklist

Vehicle tax

25,000 ₴/yr for cars above 375 minimum wages, up to 5 years old

Towing & Impound

tariffs, finding the car, release, disputing

Parking

rules, spot agreement, paid parking, courtyard, winter

Child seat

height/weight → seat group, rules

LPG payback

install cost vs savings → payback period

Road trip

documents, car, safety — checklist

Owner Glossary

documents, service, fines, technical terms

Service log

what to record in service journal

Car customs

Excise, 10% duty and 20% VAT when importing a car to Ukraine

Landed cost

lot price + auction fee + shipping + excise, duty, VAT, pension + broker

Landed cost

duty + excise + VAT + pension fee

Import exemptions

who can import duty-free

Eco norm checker

Euro class by year + import rules

Car certification

import certification procedure

Source countries

pros/cons of Poland, Germany, USA, Korea

US auction cost

bid + fees + shipping → real price

Car shipping

route + method + port → cost and time

Ports & terminals

Where cars clear customs: seaports, dry terminals, terminal fees, bonded storage, timelines

Fees & services

broker, certification, registration

Temporary import

rules for foreign-plated cars

Transit & drive-in

temporary import deadlines + docs

Moto & special equipment

customs rates for motorcycles and machinery

Commercial vehicles

Importing trucks & CVs: N1–N3 categories, duty rates, excise, VAT for companies

Post-auction repair

estimate by damage types

FX in calculation

Customs value in FX → UAH at NBU rate on declaration date: duty, VAT, FX gap

Customs disputes

how to appeal customs decisions

Abroad car inspection

pre-purchase checklist for EU/US cars

Pre-purchase inspection

Used car checklist with weighted points and critical items.

Reselling imported cars

nuances of reselling an imported vehicle

Customs glossary

customs terms in plain language

EV range

adjusted for temperature, speed, heater and battery SOH

EV charging

time and cost on AC/DC, night tariff, ₴/100 km vs petrol

Charge time

battery × power → time

Charging cost

cost per 100 km: home/night/public

Connectors

CCS2, CHAdeMO, Type2, GB/T

Battery degradation

SOH estimate by age/mileage

TCO: EV vs ICE

total cost of ownership: depreciation + energy/fuel + service

En-route charging

stops needed on route

EV benefits

EV customs, VAT, parking benefits — with currency checks

Winter range

cold-weather losses

Home charging

installing home charging: power, HOA, night tariff, cost

Used EV checklist

pre-purchase inspection

EV maintenance

what an EV actually needs: tires, 12V, battery cooling

ICE to EV

conversion economics: kit vs fuel savings — payback

Commercial EVs

electric vans and trucks: TCO, routes, charging

EV insurance

EV insurance specifics: battery, cable, total loss, assist

Battery reuse

second life for EV batteries: storage, market, checks

E-scooters & e-moto

choosing e-scooter/e-moto: range, license, registration

Generator charging

will your generator charge an EV

EV apps

EV apps: charging maps, ABRP, SOH diagnostics

EV glossary

EV terms: kWh, SOH, CCS, regen, BMS, LFP

Trip cost

fuel + tolls + driver + wear → per km, per tonne, per t·km

Fuel surcharge

base diesel → current → % on rate

Weight limits

configuration → mass and axle limits

EU fines

typical fines by country: driving time, tachograph, speed, weight

Toll roads

km per country → road costs

Carrier license

requirements: financial standing €9,000+€5,000/vehicle, competence, documents, cost

Tachograph

distance → stops per EU rules

Buy vs lease

TCO per km — payment vs depreciation

Leasing vs buy

down payment + installments + buyout vs price

Trip cost rate

fuel + driver + depreciation → UAH/km

Forwarding

contract models, 10–20% commissions, liability, documents, risks

Cargo insurance

value × risks → premium and CMR cover

Truck loading

pallets × weight → spaces and weight

ADR goods

9 classes: marking, driver certificate, vehicle requirements — check by class

Truck tires

price/mileage → €/km, annual spend, retreading — budget vs premium

Fleet GPS

system TCO: subscription, hardware, fuel savings — payback

Subcontracting

contractor checks, cargo liability, agreement — risk checklist

VAT/excise refund

Fuel, repairs, road charges in the EU: what carriers can reclaim and how to file

Agro logistics

Grain transport specifics: grain trucks, elevator terminals, rail vs truck, seasonality, documents and losses.

Office move

Business office move checklist without downtime.

Carrier glossary

CMR, TIR, cabotage, Incoterms, vignette, tachograph — logistics terms

BMI

Bmi — Health

Child BMI

Child Bmi — Health

Body fat %

US Navy method from girths + ACE categories

Calories

Estimate daily calorie needs

Heart rate

Calculate training zones by Karvonen

Water

Estimate daily water needs

Sleep cycles

when to sleep or wake — 90-minute sleep cycles

Run pace

time → pace and Riegel race prediction

Running pace

pace ↔ speed, Riegel predictions, training zones

1RM calculator

Epley/Brzycki + percentage table of working weights

Steps & calories

steps ↔ km by step length, calories by MET

Back Health

Workspace checklist, habits and exercises to prevent back pain.

Vision 20-20-20

20-20-20 break timer and eye exercises for screen work.

Stress test PSS-10

Perceived Stress Scale with interpretation

Blood pressure

ESC/ESH classification + pulse pressure and MAP

Health Diary

Log BP, pulse, weight and generate a summary report for your doctor visit.

Lab ranges

glucose, cholesterol, hemoglobin, TSH, creatinine

Pregnancy & Sport

Safe and unsafe activities by trimester plus warning symptoms.

Adult Vaccines

Which vaccines adults need: routine and risk-group immunizations.

First Aid

Step-by-step first aid: CPR, bleeding, burns, choking, fractures.

Health Glossary

What HbA1c, eGFR, ferritin, TSH and other lab results mean — in plain language.

Calories

Estimate daily calorie needs

Waist & risk

WHtR + IDF thresholds — simpler than BMI

Deficit plan

TDEE + goal → calories and weight forecast

Macros by weight

weight × goal → grams of protein, fats, carbs

Food database

calories and macros per 100 g: search, sort by protein

Intermittent fasting

protocol + dinner time → eating window

HbA1c ↔ glucose

ADAG converter + treatment targets

Bread units

carbs → BU and indicative dose

Keto calculator

ketosis macros: protein by weight, fat by calories, carbs <50 g

Plant protein

daily norm → combination of sources

Introducing solids

what and when to introduce by age: WHO scheme 4–12 mo

Activity calories

MET × weight × time for 12 activities

Supplement dosing

weight → protein, creatine, caffeine

Sports Hydration

fluid norms, electrolytes, dehydration signs, hyponatremia

Weekly Menu

menu generator with a shopping list

Recipe scaling

ingredients × portion factor

Supplements

creatine, D3, omega-3, protein — what works and what doesn't

Allergy substitutes

substitution table: milk, eggs, gluten, nuts, soy

Religious Diets

fasting, halal, kosher — menus, protein, deficiencies

GI diets

gastritis, GERD, IBS, gout, gallbladder — allowed and forbidden

Diet economics

style × people → weekly cost

Storage times

fridge, freezer, pantry — safe storage times table

Nutrition glossary

TDEE, GI, bread unit, thermogenesis — terms

Contraction timer

Log contractions — the 5-1-1 rule tells you when to go to the hospital.

Pregnancy

Pregnancy — Health

Ovulation

Ovulation — Health

Pregnancy weight gain

IOM guidelines by BMI — expected gain each week

Maternity benefits

Pregnancy and childbirth allowance: 126/140/180 days, min/max based on minimum wage

Choosing a hospital

Interactive checklist of maternity hospital and contract criteria.

Partner at birth

Partner's role in childbirth: what to do at each stage, what to avoid

Prenatal nutrition

Supplement norms by trimester (folic acid, iodine, D, calcium) + target weight gain by BMI.

Warning signs

When to call the doctor vs when to call emergency — by trimester.

Movement counter

Count-to-10 method with timer: log kicks and time to the 10th from week 28.

Rh conflict

Rh− mother + Rh+ baby: what Rh conflict is, anti-D prophylaxis, tests

Postpartum recovery

Recovery timeline: vaginal birth vs C-section.

Breastfeeding

Latch, positions, common problems (plugged ducts, mastitis), weaning

Birth benefits

Birth benefit of 41,280 ₴ + maternity pay for employed and unemployed.

Paternity leave

14 days paid paternity leave: documents and application deadlines.

Adoption

Adopter requirements, process stages, documents, placement forms

Early loss

Miscarriage facts, symptoms and actions, recovery, supporting someone

Birth abroad

Documents, child's citizenship, flight timing, birth costs by country

Pregnancy glossary

hCG, screening, Doppler, CTG, preeclampsia, epidural — terms simply

Child BMI

Child Bmi — Health

Vaccines

National MoH vaccination schedule by child's age

Child sleep

AAP norms + day schedule by wake windows

Child benefits

one-off birth grant + monthly until 3 + low-income support

Kindergarten

Documents, e-queue and private kindergarten costs by city

Kids' activities

Monthly and yearly club costs: classes, gear, competitions, hidden costs

Home safety

Room-by-room childproofing checklist: kitchen, bath, windows

Screen time

WHO/AAP screen time recommendations by age

Teens

Practical guides for parents + a written-agreement template for teens

Special needs

Diagnosis path, IPR, inclusive education and benefits

1st grade

Documents, deadlines and rules for first grade

Child budget

monthly child costs by age and spending level

Kids & money

What and when to teach kids about money by age

Moving with kids

Moving with kids tips by age: 0–2, 3–6, 7–12, 13+

Parents' glossary

Parenting terms: NUSH, IEP, IPR, e-queue, adaptation

Lab ranges

glucose, cholesterol, hemoglobin, TSH, creatinine

eGFR (CKD-EPI)

eGFR by CKD-EPI 2021 — CKD stages

HbA1c ↔ glucose

ADAG converter + treatment targets

Drug interactions

clinically significant pairs: major and moderate

Pediatric dosing

mg/kg → syrup ml for common medicines

Affordable medicines

reimbursement: e-prescription, registry, pharmacies — getting free meds

Health insurance

comparing plans: coverage, clinic networks, deductibles, exclusions

Call an ambulance

red flags by symptom: heart attack, stroke, breathing, bleeding

E-Prescriptions

how e-prescriptions and referrals work in eHealth

Sanatoriums

PFU vouchers, e-queue, rehab centers — procedure

Surgery prep

checklist: tests, documents, anesthesia, what to pack

Sick leave pay

Sick pay by insurance record: 50–100% of average daily wage

Medical tourism

destinations and prices, clinic choice, contract, insurance

Blood Donation

donor conditions, contraindications, compensation

Medical records

request generator for discharge/records — your data right

Palliative care

pain relief, hospices, opioids, home care — resources

Medical glossary

diagnoses, tests, procedures in plain language

Sleep cycles

when to sleep to wake easily

Burnout test

8-question self-assessment

Pomodoro timer

focus sprints with breaks

BAC & clearance

Widmark formula: BAC and time to drive

Pack-years

cumulative history + cost and risk thresholds

Habit protocol

66-day plan

Anxiety first aid

fast techniques

Psychologist vs psychiatrist

who to see

Crisis lines

where to turn in an acute state

Meditation timer

simple practice timer

Digital detox

2-week attention recovery plan

Grief recovery

what grieving looks like and what helps

Military Support

help lines, adaptation, warning signs, free help

Working from home

ergonomics, routine and remote mental health

Therapy budget

mental-health spending

Mood diary

mood tracking with export for a therapist

Cognitive biases

thinking-bias reference

Couple Communication

I-messages, active listening, conflicts, repair

Parental Burnout

signs, immediate steps, recovery, effect on kids

Procrastination

protocols for starting hard tasks

Self Quizzes

PHQ-9, GAD-7, WHO-5 — validated scales, not diagnoses

Mental health glossary

psychology terms in plain language

Electricity

Appliance energy usage calculator

Water

Consumption norms and cost

Utility subsidy

Mandatory payment and housing subsidy amount

Recalculation

recalculation for temporary absence: grounds, terms, documents

Meter payback

per-person norm vs real use — will a meter pay off

Utility debts

restructuring: installments, penalties, payment priority

Utility bill

all charges together: power, water, gas, heating, HOA

Elevator & Intercom

elevator/intercom/common-lighting charges, disputed bill lines

Utility benefits

beneficiary categories, coverage, application — benefit vs subsidy

Meter Readings

when and how to submit, auto-read, verification, norms

Moving: contracts

terminating and signing contracts when moving — checklist

Commercial Tariffs

when a business in a residence pays commercial rates

Supplier switch

how to switch electricity/gas supplier: procedure, timing

NKREKP complaint

complaint generator against a provider: structure, evidence

Utilities glossary

HOA, regulator, consumption norm, verification, penalty

Household chemicals

Dose calculator per water volume + reference: dish soap, chlorine, vinegar, soda, peroxide, alcohol — concentrations and dilutions.

Laundry symbols

care label symbol reference

Storage times

how long food keeps: fridge/freezer/pantry

Emergency stock

water and food per family by days

Cleaning plan

cleaning schedule by zones

Pest control

Cockroaches, ants, bed bugs, moths, rodents, wood borers — effective agents and treatment norms.

Furniture repair

Wobbly chairs, sagging doors, drawers, scratches, sofa springs, hardware — what's realistically DIY.

Appliance Faults

Washer, fridge, boiler, microwave — most common failures and causes.

Home pharmacy

first-aid kit contents & organization

Moving furniture

Fridge, washing machine, TV, glass, sofas, flat-pack — how to prep each item for the move.

Waste sorting

Batteries, appliances, fluorescent lamps, clothing, bulky waste — how to properly dispose of each category.

Home safety

detectors, fire, evacuation, kids

Home allergens

Mites, mold, pet dander, pollen — where home allergens come from and which measures actually work.

Home archive

Document categories and retention: personal, housing, finance, medical, warranties, contracts — what to keep and how long.

Houseplant care

watering schedule summer/winter by type

Home energy audit

Windows, lighting, fridge, AC, standby power, hot water, insulation, tariff plan — interactive checklist.

Minor Repairs

how-tos: tap, outlet, seams, hinges, floor — DIY vs pro

Home inventory

property register for insurance

Household Glossary

laundry, cleaning, storage, home-safety terms

Volume → vehicle

Rooms and furniture → volume in m³ and recommended vehicle.

Packing materials

Number of rooms → boxes, tape, wrap, markers.

Movers vs DIY

Hiring cost vs your time and damage risks.

Intercity move

Distance × volume → dedicated truck vs consolidated load.

Relocation budget

tickets, luggage, deposit, documents, reserve — full startup cost

Pet transport

Pet transport checklist: car, train, plane, abroad

Moving with kids

Moving with kids tips by age: 0–2, 3–6, 7–12, 13+

Contract switch

Contract termination checklist: utilities, internet, rent

Mail forwarding

Mail forwarding and address updates across services

Settling in

Settling-in priorities by week after the move

Moving insurance

Coverage types for moving and estimated cost

Storage size

Belongings volume → self-storage unit size and cost.

Office move

Business office move checklist without downtime.

Neighborhood check

Neighborhood infrastructure checklist before moving: transport, schools, safety

Move budget

Truck, movers, materials → full move estimate.

Decluttering

What to sell, donate or toss — by category

Moving glossary

Moving terms: deposit, handover act, meters, cargo lift

Landlord check

owner verification checklist before signing

Tenant utilities

utility split between tenant and owner

Subletting

subletting rules and key contract clauses

Short-term rental

short-term vs long-term rental yield

Handover act

handover act generator with inventory

Repair Liability

Wear — owner, misuse — renter, defect — manufacturer.

Rentals for IDPs

Rental programs for IDPs: eDopomoha, Shelter, discounts, contracts and scam protection.

Student rentals

Dorm vs flat, when to search, contracts and flatmate agreements.

Social rent

Social housing, queue, housing cooperatives and affordable housing programs.

Rental scams

fraud signs when renting

Rent indexation

CPI or fixed % — new rent

Rent negotiation

working arguments for a rent discount

Deposit & return

what's legal with deposits + return

Coliving

Coliving format: what's included, service agreements, economics and checks.

Renting glossary

Key lease terms in plain language: deposit, handover act, indexation, subletting.

Schengen 90/180

How many days you can still stay in Schengen based on your trip history

Baggage fees

Baggage Fees — Travel

Travel budget

Plan your travel expenses

Layover

Layover — Travel

Flight rights

What to do in case of delay, cancellation or overbooking

Flight compensation

Flight Compensation — Travel

Timezone

Check the time in another city

Jet lag

Jet Lag — Travel

Travel insurance

Travel Insurance — Travel

Local Transport

Tickets, apps and transport tips for popular European cities.

Accommodation

Hotel vs apartment vs hostel — pros, cons and a booking checklist.

Roaming & eSIM

Roaming vs travel eSIM vs local SIM — costs and setup compared.

Currency exchange

Currency Exchange — Travel

Currency converter

Currency — Calculators

Seasons

what's open in selected month

Workation

Digital nomad visas, tax rules and workation logistics.

Pet Travel

Documents, plane/train/car transport and preparation checklist.

Hitchhiking

Hitchhiking rules, wild camping legality by country and safety.

Glossary

Aviation, visa and accommodation terms explained: PNR, layover, Schengen 90/180.

Salary equivalent

net pay needed in another city by cost-of-living index

EU Blue Card

Germany 2025: does your salary pass the threshold for your category

CRS score (Canada)

Canada immigration points: age, education, language, experience

Digital nomad

nomad visas, tax residency, insurance, banking

Tax residency

183-day test and centre of vital interests — where you are resident

Double taxation

credit vs exemption method — how much you still owe at home

Apostille

Which legalization path for your country — apostille, treaty or consular

Diploma recognition

Diploma recognition via ZAB/WES/ENIC: cost, timelines, steps

Work abroad

Contract types abroad and an employer verification checklist

Medical docs abroad

insurance, vaccination, prescriptions for relocation

School abroad

Documents and procedure for enrolling a child in school abroad

Renting abroad

Upfront rental cost: deposit, agency fee, utilities by country

Adaptation

cultural checklist: first weeks, circle, language

Return to Ukraine

Return checklist: registration, taxes, healthcare, school

Pension abroad

How service years count under social security agreements

Language exam scores

IELTS ↔ CLB ↔ CEFR ↔ TOEFL ↔ Duolingo + visa requirements

Relocant's glossary

Relocation terms: apostille, residence, CRS, CLB, tax residency

Schengen 90/180

How many days you can still stay in Schengen based on your trip history

Visa-free limits

visa-free day allowances by destination

90/180 calculator

Count Schengen stay days under the 90/180 rolling-window rule — trips, remaining days, earliest re-entry date.

Visa documents

checklist by type

Invitation letter

visitor visa template

Money for visa

how much to show

Visa insurance

travel insurance requirements by country

Proof of trip purpose

checklist of purpose-proving documents

Refusal appeal

template + plan by reason

Multi-entry odds

history → 1yr probability

Long-stay visas

national D visas: work, study, family

Border by car

car border-crossing documents and rules

Cash at the border

declaration limits

COVID archive

Status of quarantine restrictions: what is lifted, what remains, where to check current rules

Apostille & legalization

which authority apostilles your document

Consular fee

full visa-application cost estimate

Visa calendar

when to apply from trip date

Transit visa check

whether a layover needs one

Family visas

family reunion: documents and timelines

Visa glossary

visa terms in plain language

Program Navigator

countries and budget: where study is realistic

IELTS ↔ TOEFL

exam score converter

Scholarship Calendar

key scholarship deadlines with countdown

University documents

checklist + apostille

Apostille

Which legalization path for your country — apostille, treaty or consular

Motivation letter

structure + text skeleton

Student budget

cost of living by city

Financial guarantees

student visa proof-of-funds

Dorm vs Renting

full student housing cost comparison

Student work limits

hour limits by country

Erasmus+ & Exchanges

how an exchange semester works — checklist

Document Recognition

recognition of Ukrainian certificates and diplomas

Foundation Programs

pre-bachelor year abroad: types, cost, progression

Student Insurance

medical insurance requirements by country

Mobilization deferral

deferral grounds — check yourself

ECTS credits

ECTS ↔ UA credits ↔ hours

Online Education

recognized degrees, platforms, cost, accreditation

Cost of applying

one-off costs to relocate

Post-Graduation Visa

post-study work permits by country

Language Schools

types, comparison, intensity, countries, visas, pitfalls

Student Glossary

terms for admission and studying abroad

CV builder

ATS-friendly resume: structure, keywords, achievements — ready text

Cover letter

generator tailored to a vacancy — structure and ready text

Salary ranges

median salary guide by profession — how to negotiate

Probation

30/60/90 milestones from start

Work record

electronic work book, proving pre-2004 record, OK-5/OK-7 certificates

Civil vs employment

comparison: rights, taxes, vacation, protection — what to choose

Work abroad

employer and intermediary verification, scam red flags

Upskilling

How to choose courses and training that actually raise income

LinkedIn & portfolio

LinkedIn profile and portfolio checklist for recruiters

Freelance platforms

Fee comparison: Upwork, Fiverr, Freelancer and local platforms

Career change

transition roadmap: skills, portfolio, first job

Pension record

Future pension estimate via the PFU formula: service × salary

Vacation calculator

Vacation pay calculation per the Law on Vacations

Sick leave pay

Sick pay by insurance record: 50–100% of average daily wage

Collective agreement

What a collective agreement is and what rights it gives

Worker glossary

rights and terms: probation, vacation, dismissal, supplements

NMT competitive score

scaled scores 100–200 × weights → state-funding score

Cost of a degree

tuition + living → degree payback

ECTS workload

credits → weekly self-study hours

Course comparison

price per hour, completion rate, ROI

Exam prep schedule

study plan with spaced repetition

Thesis formatting

structure and DSTU requirements

Education Grants

catalog of funding sources for study

Homeschooling

legalization and setup checklist

School readiness

preschool development norms

Speed Reading

techniques and speed training

Spaced repetition

exam date + topics → review schedule

Grade tracker

exam score needed for a target grade

Choosing a tutor

course budget + selection criteria

GPA converter

ECTS and 90-point scale → US GPA 4.0

Adult Education

second degree, reskilling, certificates

Olympiad prep

stage-by-stage prep plan

Student portfolio

portfolio structure generator

Student benefits

discounts and benefits reference

Education Glossary

admission, study forms and self-learning terms

Study plan

level to goal — hours and deadline

CEFR level

can-do self-assessment

Spaced repetition

vocabulary review schedule

Grammar cheat sheet

key EN/DE/PL topics with examples

Email phrases

business English

Exam requirements

minimum scores for visas/unis

Professional vocab

IT, medical, legal terms in 3 languages

Ukrainian for foreigners

alphabet, cases, phrases, practice

Polish for work

phrases and documents for work in Poland

Learning via movies

viewing method by CEFR level

Immersion

environment checklist

Apps

which fits your style

Bilingual kids

OPOL/MLAH models and age milestones

Writing self-check

checklist before submitting an essay

Sworn translation

when you need one

Language Clubs

where to find speaking clubs, formats, first visit, starting your own

Progress Metrics

CEFR, vocabulary, milestones, study journal, plateau

Russian → Ukrainian

surzhyk traps and transition plan

Learning Glossary

CEFR levels, methods, exams, linguistics, tools

Rate

income + billable% + vacation → price/h

Scope / SOW

fields → structured SOW document

NDA Generator

One-way/mutual NDA: definition, exceptions, term, breach consequences.

FOP taxes

income → tax + levy + SSC → net

Case builder

portfolio case builder: problem → actions → results with numbers — ready text

Invoice

services → printable invoice text

Client emails

freelancer email templates: onboarding, status, out-of-scope changes, deadline shift

Safe payments

safe payment schemes: prepayment, milestones, escrow, retainer — what works

Estimate

hours × rate + buffer + fee

Retainer

steady hours → discounted price

Difficult client

scripts for difficult clients: endless revisions, disappearing, 'small thing'

Remote employees

documents, reimbursements and remote-worker rights

Digital nomad

nomad visas, tax residency, insurance, banking

Coworking vs home

workspace cost calculator: home, cafe, coworking — real price

Cushion

spend × months → target and plan

Price negotiation

negotiation scripts: 'too expensive', 'competitor is cheaper', 'bulk discount'

Payment reminders

payment reminder cascade: polite → firm → final letter

Capacity

billable hours ÷ h/client → max

Freelancer's glossary

freelance terms: scope, retainer, milestone, scope creep, kill fee

JSON → CSV

Json To Csv — Converters

CSV → JSON

Csv To Json — Converters

JSON → XML

Json To Xml — Converters

XML → JSON

Xml To Json — Converters

JSON ↔ YAML

Json Yaml — Converters

JSON → TypeScript

Json To Types — IT Tools

Base64

Base64

Base64 — Converters

Regex

Test and debug RegExp

Cron

Decode cron expressions

JWT

Decode JSON Web Token

JWT decoder

Jwt — Converters

UUID

Generate unique identifiers

Hash

SHA-256, SHA-384, SHA-512, SHA-1

Color

HEX, RGB, HSL

WCAG contrast

Contrast — IT Tools

Timestamp ↔ Date

ms/s, ISO, UTC/Local

Unix time

Timestamp converter

Diff

Compare two texts

Luhn check

Luhn — IT Tools

Fake Data

Fake Data — IT Tools

URL encode

Url Encode — Converters

Markdown → HTML

Md To Html — Converters

SQL formatter

Format SQL queries

301 Redirects

Redirect Map — IT Tools

Semver

Semver — IT Tools

Error budget

Error Budget — IT Tools

PERT estimate

Pert — IT Tools

IPv4 subnets

Subnet — IT Tools

TLS Certificates

DV/OV/EV, wildcard, trust chain, TLS 1.2/1.3, mTLS and expiry alerts — a certificate guide.

API Documentation

openapi.yaml structure, error codes, versioning, request examples, changelog — how to maintain API docs.

Dev Glossary

Web, data, architecture, operations, Git, testing — a glossary of key development concepts.

SEO title

length control + snippet preview

Readability