Guides
In-depth explanations of the topics the calculators cover — written so you can make the decision, not just get a number.
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Mortgage Planning Guide
Rate shopping, loan term tradeoffs, amortization, and the invest-vs-paydown decision — with worked numbers.
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Working and Paying Taxes in Estonia
Salary taxes, VAT, and the new vehicle tax explained end-to-end, with worked examples for 2025–2026 rates.
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A Developer's Guide to Data Formats and Identifiers
JSON, Base64, UUIDs, and passwords — the four everyday primitives, and the subtle mistakes that break things in production.