Excel templateOnline calculator
Car cost calculator in Excel
Work out what your car really costs per year, per month and per kilometre: depreciation, insurance, road tax, fuel or charging, maintenance and more.
Individuals · Self-employedFree
Excel By Osko
Free Excel templates & financial tools
Practical Excel files and online calculators for individuals, self-employed people and SMEs in Belgium. Free to download, with no account or email address, and with an explanation of how each calculation works.
10 tools · 10 Excel templates · 3 calculators
Who is it for?
Every tool states who it is meant for. Pick your situation to see the right selection straight away.
Popular tools
- Excel templateOnline calculator
Loan repayment calculator in Excel
Work out your monthly payment, see in a full repayment schedule how much interest and capital you pay each month, and find out what a loan costs you over its whole term.
Individuals · Self-employedFree - Excel template
Household budget template in Excel
Line up your income, fixed costs and variable spending month by month and see straight away how much is left to save, with a comparison between budget and actual.
IndividualsFree - Excel templateOnline calculator
Part-time work: what is left net? (Excel)
Compare your gross salary and an indicative net salary at 100, 90, 80, 60 and 50% and see the difference per month and per year, including the effect on holiday pay and the end-of-year bonus.
IndividualsFree - Excel template
Belgian personal income tax calculator in Excel
Estimate the Belgian personal income tax on your salary or profit: tax brackets, personal tax allowance and municipal tax for assessment year 2026, with the assessment year 2027 figures already in the parameter sheet.
Individuals · Self-employedFree - Excel template
Salary vs dividend comparison in Excel
Compare what is left net when your company pays out the same profit as director’s salary or as a dividend, with corporate tax, social contributions, personal income tax and withholding tax.
Self-employedFree
Topics
From car costs to cashflow: the tools are grouped by financial topic.
Car & mobilityWhat a car really costs, per year and per kilometre.1 toolLoans & creditRepayments, total cost and loan comparison.2 toolsBudget & savingsIncome, expenses and room to save at a glance.4 toolsTaxesIndicative calculations of personal income tax and more.3 toolsWork & incomePart-time work, salary and what is left net.2 toolsBusiness & companySalary or dividend, sole trader or company, business costs.3 toolsCashflow & financial planningCashflow forecast, financial plan and budget for your business.2 toolsReporting & dashboardsKPI overviews and management reporting in Excel.No tools
Featured Excel templates
Fully worked-out files with visible formulas, notes on every input cell and a worked example.
- Excel templateOnline calculator
Car cost calculator in Excel
Work out what your car really costs per year, per month and per kilometre: depreciation, insurance, road tax, fuel or charging, maintenance and more.
Individuals · Self-employedFree - Excel templateOnline calculator
Loan repayment calculator in Excel
Work out your monthly payment, see in a full repayment schedule how much interest and capital you pay each month, and find out what a loan costs you over its whole term.
Individuals · Self-employedFree - Excel template
Household budget template in Excel
Line up your income, fixed costs and variable spending month by month and see straight away how much is left to save, with a comparison between budget and actual.
IndividualsFree
Online calculators
No download needed: enter your figures and see the result immediately, together with the assumptions.
- Excel templateOnline calculator
Car cost calculator in Excel
Work out what your car really costs per year, per month and per kilometre: depreciation, insurance, road tax, fuel or charging, maintenance and more.
Individuals · Self-employedFree - Excel templateOnline calculator
Loan repayment calculator in Excel
Work out your monthly payment, see in a full repayment schedule how much interest and capital you pay each month, and find out what a loan costs you over its whole term.
Individuals · Self-employedFree - Excel templateOnline calculator
Part-time work: what is left net? (Excel)
Compare your gross salary and an indicative net salary at 100, 90, 80, 60 and 50% and see the difference per month and per year, including the effect on holiday pay and the end-of-year bonus.
IndividualsFree
How does it work?
- 1
Pick a tool
Search by topic or audience. Every page explains what the tool does, who it is for and which assumptions it contains.
- 2
Download or calculate
Download the Excel file immediately or use the online calculator. No registration, no email address, no pop-up.
- 3
Adapt it to your situation
The files are not protected. Formulas stay visible, so you can understand and adjust them.
Osko Consult
Need something similar for your own business?
Osko Consult helps businesses with financial planning, dashboards, Excel solutions and custom automation. From a one-off model to fully automated reporting.
About Osko Consult
Excel By Osko is an initiative of Osko Consult, a Belgian firm that helps businesses with dashboards, Excel solutions, reporting and custom automation. The free tools on this site show how we work: clear, well-founded and immediately useful.
Frequently asked questions
Are the Excel templates really free?
Yes. You download them without an account, without an email address and without paying. You may use them for personal and professional purposes. Reselling is not allowed.
Which version of Excel do the files work with?
The files use the .xlsx format and work in Excel 2016 and newer, Microsoft 365, and usually also in LibreOffice Calc and Google Sheets. If a file relies on a newer function, the tool page says so.
Are the calculations correct for tax or legal purposes?
The tools give an indication based on the listed sources and assumptions, with the date of the last update. They do not replace advice from an accountant, tax adviser or financial adviser. Have the figures checked before important decisions.
Can I have a custom version made?
Yes. Osko Consult builds Excel solutions, dashboards and automations tailored to businesses and self-employed people. Get in touch and briefly describe what you need.