The finance copilot for your business
Calculators for your business
Free tools, no sign-up, with the same logic Banker uses inside. Each one explains the legal basis and tells you how much to set aside every month.
Costa Rica aguinaldo calculator 2026: formula, dates and monthly accrual
The aguinaldo is an extra salary every employer in Costa Rica must pay by 20 December. Work out what each employee is owed and how much to set aside every month so December does not surprise you.
Severance calculator: what is owed and what to accrue
Cesantía is the severance owed when an employer dismisses without just cause. Estimate what is owed by years of service and what is worth setting aside.
Marchamo: how much to set aside each month
The marchamo (annual vehicle circulation fee) is paid every year between November and December, and for a business with vehicles it is one of the big year-end expenses. Work out how much to set aside each month to pay it without touching December's cash.
How much VAT you charge and pay this month
The VAT you charge on your sales is not yours: it belongs to Hacienda. Work out how much you owe this month after crediting the VAT on your purchases, and how much to set aside for the D-104 return.
How many months of cash you have left
The question every owner asks at the end of the month: how long will the money last? Divide today's cash by what the business burns each month and you know how many months you have to change course.