The Bank for You and Your Entire Finances

Are you planning to buy a home? As of April 1, the mandatory cash down payment requirement was lowered for homebuyers. You now only need 10% of the purchase price as a down payment. Calculate how much you can borrow and start saving for your future home today.

Need Help Saving for the Family?

Quartal Family makes it easier to introduce personal finance to children in a safe, inspiring way. Open an account and order a bank card free of charge for your child. They gain supervised access to a bank account, a debit card, Swish, and the Quartal app, helping them learn how to save effectively.

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DCF VALUATION TOOL
Company Valuation Multicurrency

The essential DCF (Discounted Cash Flow) valuation tool for entrepreneurs, investors, and financial analysts. Calculate your company's value with professional-grade accuracy.
MZ

M. Zaid

Financial Systems Developer & Researcher

Muhamad is a developer and researcher at KTH Royal Institute of Technology specializing in data-driven systems. He is the creator of the Company Valuation (DCF) platform, a professional-grade tool that helps investors calculate intrinsic value across global markets. Through Quartal.se, he bridges the gap between complex financial regulations and practical, tool-based investing.