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Free online calculators for salary, tax, VAT, mortgage & business

207 free calculators — take-home pay, income tax, VAT, gratuity, stamp duty, mortgage, loans, credit cards, savings, retirement, property fees and business setup — for the UAE, Saudi Arabia, Pakistan, the UK, the US, the EU and any currency worldwide. Instant results in your browser, no sign-up, nothing uploaded.

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UAE calculators

Gratuity, leave salary, overtime, ILOE, VAT, corporate tax, e-invoicing, mortgage, DLD fees, rental yield and free zone setup calculators for the UAE.

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Saudi Arabia calculators

End-of-service benefit, GOSI, overtime, VAT, ZATCA QR, Iqama and expat levy and home finance calculators for Saudi Arabia.

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Pakistan calculators

Salary income tax, freelancer and IT export tax, PTA mobile tax, property advance tax, sales tax, car loan, bank profit, gold zakat, electricity bill, solar payback, Daraz commission and Umrah cost calculators for Pakistan.

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United Kingdom calculators

Take-home pay 2026/27, VAT, stamp duty (SDLT), mortgage affordability, dividend tax, statutory redundancy pay, holiday entitlement and corporation tax calculators for the UK.

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United States calculators

Federal income tax 2026, take-home paycheck, capital gains and crypto tax, self-employment tax, 1099 vs W-2, quarterly estimated tax, bonus withholding, HSA contributions, Roth vs traditional IRA and required minimum distributions — figures checked against IRS and SSA sources.

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Australia calculators

Income tax 2026–27 (with the 15% first rate), take-home pay, superannuation and salary sacrifice, HECS-HELP repayments, capital gains with the 50% discount, negative gearing, Medicare levy surcharge vs hospital cover, first home super saver, novated lease and GST calculators — figures checked on ato.gov.au.

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Global calculators

Mortgage payment, refinance, 15 vs 30 year, points, HELOC, rent vs buy, credit card and debt payoff, balance transfer, loan APR, car payment, student loan, 401(k) match, retirement, savings goal, life insurance, ROI, EMI, compound interest and percentage calculators — any currency.

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Europe calculators

Standard VAT rates for all 27 EU member states, and a viewer for ZUGFeRD, Factur-X, XRechnung and Peppol UBL e-invoices.

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Free tools

Resize a photo or PDF to an exact KB, convert HEIC, WebP, PNG and JPG, merge and split PDFs, OCR an image, add watermarks and blur faces, resize for every social platform, make QR codes and favicons, build an email signature, format subtitles, count words, check WCAG contrast, generate passwords and convert DOIs to BibTeX.

🇦🇪 UAE

Gratuity, leave salary, overtime, ILOE, VAT, corporate tax, e-invoicing, mortgage, DLD fees, rental yield and free zone setup calculators for the UAE.

  • UAE Corporate Tax Calculator (9%) Estimate UAE corporate tax on your taxable income, including the AED 375,000 zero-rate threshold and Small Business Relief.
  • UAE Gratuity Calculator Calculate your UAE end-of-service gratuity under the 2022 Labour Law, for both resignation and termination.
  • UAE Leave Salary Calculator Leave salary calculator under UAE labour law: accrued annual leave days and the leave salary payable (basic or full wage), including unused leave on resignation or termination — Article 29 of Federal Decree-Law 33/2021.
  • UAE VAT Calculator Add 5% VAT to a price, or work out the VAT already included in a VAT-inclusive amount.
  • UAE VAT Invoice Generator Create an FTA-compliant UAE tax invoice with TRN, line items and 5% VAT, and download it as a PDF — free, no sign-up, nothing uploaded.
  • UAE Rental Yield Calculator Work out gross and net rental yield on a UAE property, accounting for service charges, other costs and vacancy.
  • Dubai DLD Fee Calculator Estimate Dubai Land Department transfer fees, admin fees and total buying costs when purchasing a property.
  • UAE E-Invoicing Mandate Checker (PINT AE / Peppol) Find out which UAE e-invoicing mandate phase applies to your business, and by when you need PINT AE / Peppol-compliant e-invoicing in place.
  • Dubai Free Zone Business Setup Cost Calculator Free online calculator for UAE company formation costs: free zone licence, visas, establishment card, office and first-year total — Dubai, Abu Dhabi, Sharjah free zones compared.
  • UAE Mortgage Affordability Calculator Work out the maximum property you can afford under UAE Central Bank LTV and debt-burden-ratio rules, for nationals and expats.
  • UAE Car Loan Calculator — Flat vs Reducing Rate UAE car loan calculator: monthly instalment, total interest and the real APR of a flat-rate offer compared with reducing balance — for Dubai and Abu Dhabi bank car loans.
  • Amazon.ae & Noon Seller Fee Calculator Calculate your real net profit after referral/commission fees on Amazon.ae, Noon UAE or Noon Saudi, using Amazon's official category fee schedule.
  • UAE ILOE Unemployment Insurance Calculator Find your ILOE category, monthly premium and the compensation you would receive if you lost your job, under the UAE unemployment insurance scheme.
  • UAE Overtime Calculator Calculate overtime pay under UAE Labour Law — normal overtime at 125%, night overtime at 150%, and rest-day work.
  • Dubai Off-Plan Payment Plan Calculator Break a Dubai off-plan purchase into its instalments — booking amount, construction-linked payments, handover balance, plus DLD and Oqood fees.
  • UAE Sick Leave Pay Calculator Work out how much of a sick-leave spell is paid in full, at half pay or unpaid under UAE Labour Law, and what the salary deduction will be.
  • Dubai RERA Rent Increase Calculator Check the maximum rent increase your Dubai landlord can apply at renewal under Decree 43 of 2013, from your current rent and the RERA average market rent.
  • UAE Golden Visa Eligibility Checker Answer a few questions to see which UAE Golden Visa (10-year residence) categories you may qualify for — property investor, skilled professional, entrepreneur, student and more.
  • UAE Final Settlement Calculator Work out your full end-of-service settlement in the UAE: gratuity, unused annual leave, notice pay in lieu, unpaid salary days and any deductions, in one figure.
  • UAE Maternity Leave Calculator Get your UAE maternity leave dates and pay under Labour Law Article 30 — 45 days full pay, 15 days half pay, optional unpaid extension — from your expected delivery date.
  • Dubai Rent vs Buy Calculator Compare the total cost of renting against buying the same Dubai property over 5, 7 or 10 years — DLD fees, mortgage interest, service charges, growth and resale — to see which leaves you better off.
  • UAE VAT Late Payment Penalty Calculator Work out FTA administrative penalties for a late VAT payment (2% then 4% a month, capped at 300%), a late return, late registration or a voluntary disclosure, from the due date and amount.

🇸🇦 Saudi Arabia

End-of-service benefit, GOSI, overtime, VAT, ZATCA QR, Iqama and expat levy and home finance calculators for Saudi Arabia.

  • Saudi End of Service Calculator (EOSB) Calculate your Saudi Arabia end-of-service benefit (EOSB) for resignation or termination, per Saudi Labor Law.
  • Saudi GOSI Calculator Estimate GOSI contributions and net salary for Saudi and non-Saudi employees in Saudi Arabia.
  • Saudi VAT Calculator (15%) Add 15% Saudi VAT to a price, or extract the VAT already included in a VAT-inclusive amount.
  • ZATCA QR Code Generator & Decoder Generate a ZATCA-compliant QR code for a Saudi simplified tax invoice (Phase 1 TLV Base64) or decode an existing one — free, instant, runs in your browser.
  • Saudi Iqama Renewal & Expat Levy Calculator Estimate annual Iqama renewal fees, the monthly expat worker levy and the dependent levy for expatriates in Saudi Arabia.
  • Saudi Home Loan Calculator Estimate your monthly home finance installment in Saudi Arabia, the down payment required under SAMA's LTV limits, and total cost over the term.
  • Saudi Overtime Calculator Calculate overtime pay in Saudi Arabia at the statutory hourly wage plus 50%, per Article 107 of the Saudi Labor Law.
  • Iqama Expiry & Days Remaining Calculator Count the days left on your Iqama (or any Saudi/UAE visa or Emirates ID), check whether you are inside the renewal window, and see the late-renewal fine that applies.
  • Saudi Exit Re-Entry Visa Fee Calculator Calculate the Absher fee for a single or multiple exit re-entry visa for any number of months, for yourself and your dependents, and check it fits inside your Iqama validity.
  • Saudi Annual Leave & Leave Encashment Calculator Calculate accrued annual leave in Saudi Arabia (21 days, 30 after five years), the days you have left, and the cash value of unused leave at the end of service.
  • Saudi Personal Loan Calculator Estimate the monthly installment and total cost of a personal finance loan in Saudi Arabia from the bank's flat rate, and check it against the SAMA one-third salary limit.
  • Saudi Customs Duty & Import VAT Calculator Estimate what you pay to clear goods into Saudi Arabia: customs duty on the CIF value by category, 15% VAT on top, and the landed cost per unit.
  • Saudi Iqama Transfer (Naql Kafala) Fee Calculator Work out the sponsorship-transfer fee for a worker's first, second or later transfer in Saudi Arabia, plus the work-permit levy and Iqama fee the new employer must pay at the same time.
  • Saudi Final Settlement Calculator Your complete end-of-service settlement in Saudi Arabia: EOSB under Articles 84–85, accrued leave, notice pay, unpaid salary days and deductions in one figure.
  • Saudi Family Visit Visa Fee Calculator Estimate the cost of a Saudi family or personal visit visa for each visitor — single or multiple entry, mandatory insurance, and the stay and validity limits that apply.

🇵🇰 Pakistan

Salary income tax, freelancer and IT export tax, PTA mobile tax, property advance tax, sales tax, car loan, bank profit, gold zakat, electricity bill, solar payback, Daraz commission and Umrah cost calculators for Pakistan.

🇬🇧 United Kingdom

Take-home pay 2026/27, VAT, stamp duty (SDLT), mortgage affordability, dividend tax, statutory redundancy pay, holiday entitlement and corporation tax calculators for the UK.

  • UK Take-Home Pay Calculator 2026/27 Work out your monthly take-home pay after income tax, National Insurance, pension contributions and student loan for the 2026/27 tax year (England, Wales & NI).
  • UK VAT Calculator Add VAT to a net price or extract the VAT from a gross amount at the UK standard 20%, reduced 5% or zero rate.
  • UK Stamp Duty (SDLT) Calculator Calculate Stamp Duty Land Tax on a property in England or Northern Ireland, including first-time buyer relief and the additional-property surcharge.
  • UK Mortgage Affordability Calculator How much mortgage can you afford in the UK? Estimate what you could borrow from salary (4.5× income), deposit and a stressed rate, with the monthly repayment — plus self-build, help-to-buy and offset notes.
  • UK Dividend Tax Calculator 2026/27 Estimate the tax on dividends alongside a salary for the 2026/27 tax year, using the dividend allowance and the increased dividend rates.
  • UK Statutory Redundancy Pay Calculator Calculate statutory redundancy pay from your age, years of service and weekly pay, applying the statutory weekly cap and 20-year limit.
  • UK Holiday Entitlement Calculator Holiday entitlement calculator for the UK: statutory annual leave (5.6 weeks) for full-time, part-time, irregular-hours and pro-rata workers, including starters, leavers and bank holidays.
  • UK Corporation Tax Calculator Calculate corporation tax on company profits, including the small profits rate, main rate and marginal relief between £50,000 and £250,000.
  • UK Capital Gains Tax Calculator 2026/27 Work out capital gains tax on a property, shares or crypto sale for 2026/27, using the £3,000 allowance and the 18%/24% rates stacked on your income.
  • UK Self-Employed Tax Calculator 2026/27 Estimate income tax and Class 4 National Insurance on sole-trader profits for 2026/27, your take-home, and the January and July payments on account.
  • UK Mortgage Repayment Calculator Work out your monthly mortgage payment on repayment or interest-only, the total interest over the term, and how much a regular overpayment saves in interest and years.
  • UK Inheritance Tax Calculator Estimate inheritance tax on an estate using the £325,000 nil-rate band, the £175,000 residence band for a home left to children, a transferred spouse allowance and the 36% charity rate.
  • UK Pro-Rata Salary Calculator Convert a full-time salary to part-time pro-rata pay from your weekly hours or days, with the hourly rate, monthly pay and pro-rated holiday entitlement.
  • UK Student Loan Repayment Calculator See your monthly student loan repayment on Plan 1, 2, 4, 5 or Postgraduate from your salary, how long the balance takes to clear at a given interest rate, and whether it will be written off first.
  • UK Buy-to-Let Profit & Tax Calculator Work out a UK rental property's real profit after mortgage interest (Section 24 20% credit), management, maintenance and voids, and the income tax due at your rate.
  • UK Salary Sacrifice & Pension Tax Relief Calculator See what a pension contribution really costs you after tax and National Insurance relief — salary sacrifice vs relief at source — and how much employer NI it frees up.
  • UK Child Benefit & High Income Charge Calculator Work out your Child Benefit for any number of children and the High Income Child Benefit Charge between £60,000 and £80,000 — plus how a pension contribution can reduce it.
  • UK VAT Flat Rate Scheme Calculator Compare what you would pay HMRC on the Flat Rate Scheme (your sector's percentage, the 1% first-year discount, the 16.5% limited-cost rule) against standard VAT accounting.
  • Pension Tax Relief Calculator 2026/27 Tax relief on your 2026/27 pension contribution: effective rate, what you pay from take-home, basic-rate relief added at source, the higher-rate relief to claim, NI saved by salary sacrifice, the £60,000 annual allowance and taper check and the cost of each £1 saved.
  • ISA Calculator How much an ISA saves versus a taxable account over your horizon — dividend or interest tax at your band, CGT on sale, final values, the ISA advantage and a check against the £20,000 allowance. 2026/27 rates confirmed on gov.uk.
  • Lifetime ISA Calculator Your Lifetime ISA pot with the 25% government bonus — contributions, bonus, growth, deposit as a share of your target home (alone or with a partner), the £450,000 cap check, the withdrawal penalty and the maximum lifetime bonus.
  • Company Car Tax Calculator 2026/27 Your 2026/27 company car tax — the BiK percentage for your car’s CO2 or electric range, the taxable benefit, tax per month at your rate, fuel benefit, employer Class 1A NI, the salary-sacrifice comparison and future-year rates. HMRC table confirmed.
  • Employer NI Calculator 2026/27 The full cost of employing someone in the UK in 2026/27 — 15% employer NI less the £10,500 Employment Allowance, auto-enrolment pension, apprenticeship levy, other costs, on-cost percentage, cost per hour worked and how much the employee takes home.
  • Bonus Tax Calculator 2026/27 How much of your bonus you keep in 2026/27 — income tax, NI, student loan and the child benefit charge, your true marginal rate, the 60% personal-allowance trap, what sacrificing part into your pension saves and the gross bonus needed to bank £10,000.
  • Pension Drawdown Calculator Draw down your pension: tax-free cash (£268,275 allowance), year-1 withdrawal and tax, net income, how long the pot lasts, the sustainable withdrawal rate, upfront vs phased tax-free cash, the emergency-tax warning and the £10,000 MPAA.
  • Tax-Free Childcare Calculator Your Tax-Free Childcare top-up: what you pay in and the 20% the government adds, the £2,000 / £4,000 per-child caps, monthly saving, a comparison with childcare vouchers, the £100,000 cliff warning and how it stacks with funded hours.
  • IR35 Calculator 2026/27 Inside vs outside IR35 for your day rate in 2026/27 — umbrella deductions (margin, 15% employer NI, levy, PAYE) versus limited-company corporation tax, salary and dividends — annual take-home each way, the difference and the inside rate needed to match.
  • Director Salary vs Dividend Calculator 2026/27 Salary vs dividends for a UK limited company director in 2026/27 — employer NI, corporation tax with marginal relief, dividend tax at the new rates, total tax and take-home, a £5,000 / £12,570 / all-salary comparison and the best salary for your profit.

🇺🇸 United States

Federal income tax 2026, take-home paycheck, capital gains and crypto tax, self-employment tax, 1099 vs W-2, quarterly estimated tax, bonus withholding, HSA contributions, Roth vs traditional IRA and required minimum distributions — figures checked against IRS and SSA sources.

  • US Federal Income Tax Calculator 2026 Estimate your 2026 federal income tax from income, filing status and deductions — bracket-by-bracket breakdown, marginal and effective rates, credits, refund or balance due, plus a state and FICA estimate for take-home. Figures checked against IRS IR-2025-103.
  • US Paycheck Calculator — Take-Home Pay 2026 Net pay per paycheck for 2026 after federal withholding, Social Security, Medicare, 401(k), pre-tax health premiums and a state estimate — bi-weekly, semi-monthly, monthly or weekly. IRS and SSA figures checked.
  • US Capital Gains Tax Calculator 2026 (Stocks, Crypto, Property) Federal tax on a stock, crypto or property sale for 2026 — long-term 0%/15%/20% rates stacked on your income, short-term comparison, 3.8% NIIT, home-sale exclusion, losses and a state estimate. Thresholds from Rev. Proc. 2025-32.
  • Self-Employment Tax Calculator 2026 Self-employment tax for 2026 (12.4% Social Security to the $184,500 wage base, 2.9% Medicare, 0.9% additional), the deductible half, federal income tax with the QBI deduction, and the monthly and quarterly amounts to set aside.
  • 1099 vs W-2 Calculator The 1099 hourly rate that equals a W-2 salary and benefits after both halves of FICA, costs, the QBI deduction and 2026 taxes — or a side-by-side of a specific contractor offer against an employee offer.
  • Quarterly Estimated Tax Calculator 2026 Quarterly estimated payments for 2026 from projected self-employment and other income — current-year (90%) vs prior-year (100%/110%) safe harbours, withholding credit, amounts already paid and the 2026 due dates.
  • Bonus Tax Calculator 2026 Bonus take-home after 22% federal supplemental withholding (or the aggregate method), Social Security, Medicare, state and 401(k), the true tax at your bracket, over- or under-withholding, and the gross-up for a target net.
  • HSA Contribution Calculator 2026 How much more you can contribute to an HSA for 2026 after employer contributions, catch-up and month pro-rating, the per-paycheck amount to max out, the tax saved and what it grows to if invested. Limits from Rev. Proc. 2025-19.
  • RMD Calculator 2026 — Required Minimum Distribution Your 2026 required minimum distribution from the IRS Uniform Lifetime Table, the percentage of the balance, deadline, 25% penalty, tax estimate, starting age by birth year and a 15-year projection. Table confirmed against 26 CFR 1.401(a)(9)-9.
  • Roth vs Traditional IRA Calculator 2026 Roth vs traditional IRA on equal pre-tax dollars for 2026 — balance at retirement for each, the invested tax saving, the break-even retirement tax rate and a verdict, with the $7,500 / $8,600 limits confirmed on irs.gov.
  • Child Tax Credit Calculator 2026 Your 2026 child tax credit: $2,200 per child under 17 and $500 for other dependants, the refundable portion (up to $1,700, 15% of earned income over $2,500), the $200,000 / $400,000 phase-out and how much actually reduces your tax — figures confirmed against Rev. Proc. 2025-32.
  • Social Security Claiming Age Calculator Compare two Social Security claiming ages: monthly benefit at each (early reduction and delayed credits), nominal and discounted break-even age, lifetime benefits to any life expectancy with COLA, and the survivor-benefit effect.
  • Social Security Benefit Calculator 2026 Estimate your Social Security retirement benefit from average career earnings using the 2026 bend points ($1,286 / $7,749 confirmed on ssa.gov): PIA at full retirement age, the amount at 62, 65, 67 or 70, replacement rate and spousal benefit.
  • Social Security Tax Calculator 2026 How much of your Social Security is taxable in 2026 — provisional income against the $25,000 / $32,000 and $34,000 / $44,000 thresholds, the 50% and 85% tiers, the $6,000 senior deduction, federal tax owed and the effective rate on your next IRA dollar.
  • Itemized vs Standard Deduction Calculator 2026 Should you itemize in 2026? Compares the $16,100 / $32,200 standard deduction (plus age additions) with SALT under the new $40,400 cap, mortgage interest, charity and medical above 7.5% of AGI, and shows the tax saved.
  • Roth Conversion Calculator 2026 The tax cost of converting a traditional IRA to a Roth in 2026 — which brackets the conversion fills, federal and state tax, the Roth vs stay-traditional outcome after growth, break-even retirement tax rate and a bracket-fill suggestion.
  • 529 College Savings Calculator Project college costs, your 529 balance at enrolment, the shortfall, the monthly contribution needed, the tax-free growth advantage, state deduction value and the $19,000 gift-tax exclusion rules.
  • Gift & Estate Tax Calculator 2026 Federal gift tax on this year's gifts (the $19,000 annual exclusion, gift-splitting, lifetime exemption used) and federal estate tax on an estate (marital and charitable deductions, portability, the $15,000,000 exemption and 40% rate) — figures confirmed against Rev. Proc. 2025-32.
  • Mileage Deduction Calculator 2026 Your 2026 or 2025 mileage deduction with the mid-year 2026 rate change (72.5¢ then 76¢ business, 20.5¢ then 23.5¢ medical, 14¢ charity) applied automatically, parking and tolls, estimated tax saved and a standard-rate vs actual-expense comparison.
  • AMT Calculator 2026 Do you owe alternative minimum tax in 2026? AMTI with SALT and ISO add-backs, the exemption after the 50% phase-out above $500,000 / $1,000,000, the 26%/28% tentative minimum tax versus regular tax, and the ISO spread you can exercise AMT-free.
  • No Tax on Tips Calculator 2026 Your no-tax-on-tips deduction for 2025–2028: up to $25,000 of qualified tips, the $150,000 / $300,000 phase-out at $100 per $1,000, federal tax saved and what still applies (FICA, state tax) — figures confirmed against IRC §224 and irs.gov.
  • No Tax on Overtime Calculator 2026 Your no-tax-on-overtime deduction for 2025–2028: only the FLSA premium (the half in time-and-a-half) counts, capped at $12,500 / $25,000 with a $150,000 / $300,000 phase-out — hours, W-2 figure, federal tax saved and hours needed to max it.
  • Car Loan Interest Deduction Calculator How much car loan interest you can deduct in 2025–2028: year-by-year interest on your loan, the $10,000 cap, the $100,000 / $200,000 phase-out at $200 per $1,000, the US-final-assembly test and the federal tax saved.
  • EITC Calculator 2026 Your estimated 2026 earned income tax credit — maximum credit by number of children ($664 / $4,427 / $7,316 / $8,231), phase-in and phase-out, income ranges, investment-income and age checks — confirmed against Rev. Proc. 2025-32.
  • Child & Dependent Care Credit Calculator 2026 Your 2026 child and dependent care credit under the new 50% / 35% / 20% schedule and $3,000 / $6,000 expense caps, compared with the $7,500 dependent care FSA — which combination saves more at your income.
  • QBI Deduction Calculator 2026 Your 2026 qualified business income deduction: the 20% base, taxable-income limit, the $201,750 / $403,500 threshold and $75,000 / $150,000 phase-in, SSTB and W-2 wage / property limits, the new $400 minimum and the federal tax saved.
  • Home Office Deduction Calculator Your home office deduction both ways — the $5-per-square-foot simplified method (max $1,500) and the regular method with rent or mortgage interest, utilities, insurance and depreciation — with the profit limit and the income plus self-employment tax saved.
  • Employer Payroll Cost Calculator 2026 The true cost of an employee in 2026: employer Social Security (to $184,500) and Medicare, FUTA, state unemployment, health insurance, 401(k) match and other benefits — total cost, burden rate, hourly cost and the equivalent contractor rate.
  • Medicare IRMAA Calculator 2026 Your 2026 Medicare Part B and Part D IRMAA surcharge from 2024 income — tier, premium per person ($202.90 to $689.90), annual household cost, distance to the next bracket and a 2028 projection — brackets confirmed on ssa.gov.
  • Trump Account Calculator Project a Trump Account for your child: the $1,000 federal seed for 2025–2028 births, up to $5,000 a year of contributions (employer up to $2,500), growth to 18, 30 and 65, tax on withdrawal and a comparison with a 529 — rules per IRS IR-2025-117.
  • FHA Loan Calculator 2026 Your 2026 FHA mortgage payment: 3.5% down, the 1.75% upfront MIP, the annual MIP rate and duration for your LTV, taxes, insurance and HOA, the county limit check ($541,287 floor / $1,249,125 ceiling) and a conventional-loan comparison — HUD figures confirmed.
  • VA Funding Fee Calculator 2026 Your VA funding fee for a purchase, cash-out refinance or IRRRL — first or subsequent use, by down payment (2.15%, 1.5%, 1.25%, 3.3%, 0.5%) — plus what financing it costs and a comparison with FHA and conventional mortgage insurance. Rates confirmed on va.gov.
  • Jumbo vs Conforming Loan Calculator 2026 Is your mortgage jumbo in 2026? Checks the $832,750 baseline and $1,249,125 high-cost limits and compares a single jumbo loan, a conforming first with a piggyback second, and a larger down payment on monthly payment and 30-year interest.
  • PMI Calculator Your monthly PMI, when you can request cancellation at 80% LTV and when it ends automatically at 78% (sooner with appreciation or extra payments), total PMI paid, the cash needed to skip it and the effective cost of not putting 20% down.
  • Debt-to-Income Ratio Calculator Your front-end and back-end debt-to-income ratios against conventional (28/36, up to 50%), FHA (31/43) and VA (41%) guidelines — the maximum housing payment and loan you qualify for, debt to pay off and the income needed.
  • DSCR Loan Calculator Your rental property's DSCR by the rent ÷ PITIA or NOI ÷ debt-service method — whether it clears the lender's 1.0–1.25 minimum, the rent needed, the maximum loan and down payment, and monthly cash flow after PITIA.
  • Rental Property Calculator Full rental property analysis: NOI, cap rate, mortgage, cash flow, cash-on-cash return, depreciation tax shield (27.5 years), principal paydown, appreciation, total first-year return, 1% and 50% rule checks and a 5-year projection.
  • Fix and Flip Calculator House-flip analysis: the 70% rule maximum offer, acquisition, rehab with contingency, hard-money interest and points, holding and selling costs, gross and after-tax profit, return on cash, annualised return and break-even sale price.
  • 1031 Exchange Calculator 2026 The tax on selling an investment property — depreciation recapture at up to 25%, long-term gains at 15/20%, 3.8% NIIT and state — versus deferring it all with a 1031 exchange, with the equal-value / equal-debt check, boot, carried-over basis and extra buying power.
  • Cost Segregation Calculator 2026 Cost segregation with 100% bonus depreciation (restored for property acquired after 19 Jan 2025): year-1 deduction and tax saved versus straight-line 27.5/39-year depreciation, study-fee payback, lower later deductions, recapture at sale and net present value over your hold.
  • Solo 401(k) vs SEP IRA Calculator 2026 Your maximum 2026 solo 401(k), SEP IRA and SIMPLE IRA contributions from net profit or S-corp wages — the $24,500 deferral, catch-ups, the 20%/25% employer share, the $72,000 overall cap and the federal tax saved. IRS 2026 limits confirmed.
  • S-Corp vs LLC Tax Calculator 2026 LLC (sole proprietor) vs S-corp for 2026: self-employment tax versus payroll tax on a reasonable salary, income tax with the QBI deduction under each, extra S-corp costs, the annual saving, salary sensitivity and the break-even profit for electing.
  • SBA 7(a) Loan Calculator 2026 Your SBA 7(a) loan payment with the FY2026 upfront guaranty fee (2% / 3% / 3.5–3.75%, or waived for veterans and small manufacturers), total interest, effective APR including fees, the 0.55% lender service fee, debt service coverage and prepayment rules.
  • Business Valuation Calculator Value a small business four ways — SDE multiple, EBITDA multiple, revenue multiple and discounted cash flow — with the asset-based floor, a valuation range, implied margins and the buyer’s payback period.
  • Invoice Factoring Calculator The true cost of factoring an invoice: cash advanced, the discount fee by 30-day period or flat, rebate, cost as a percentage of the invoice, annualised APR, the late-payment scenario, annual cost at your volume and a comparison with early-payment discounts and a bank line.
  • Merchant Cash Advance Calculator Convert a merchant cash advance factor rate into a real APR: total payback, cost and fees, daily or weekly payment or holdback, term, share of revenue, the extra sales needed to cover the cost and a comparison with a 15% loan.
  • Equipment Lease vs Buy Calculator 2026 Lease or buy equipment? Present value of after-tax cost under each — loan payments, §179 / 100% bonus depreciation, resale value, lease payments, buyout and the implied lease rate — plus year-1 cash flow and the break-even lease payment. IRS 2026 limits confirmed.
  • Student Loan RAP Calculator Your monthly student loan payment under the new Repayment Assistance Plan (1–10% of AGI, $50 per dependent, $10 minimum), the interest subsidy, payoff time, total paid, forgiveness after 30 years or 120 PSLF payments, and payments at other incomes.
  • PSLF Calculator Your Public Service Loan Forgiveness projection: payments remaining, monthly payment under RAP or IBR, total paid before forgiveness, the balance forgiven tax-free after 120 payments, the saving versus the standard plan and your forgiveness date.
  • ACA Subsidy Calculator 2026 Your 2026 ACA premium tax credit — income as a share of the poverty line, the applicable percentage (2.10%–9.96%, enhanced credits expired), expected contribution, monthly credit, net premium, cost-sharing reductions and how close you are to the 400% cliff.
  • Lottery Tax Calculator 2026 Lottery winnings after tax: the cash option, 24% federal withholding versus the real 37% bill, state tax, the 30-year escalating annuity after tax, and whether investing the lump sum beats the annuity — with the break-even return.
  • Term vs Whole Life Insurance Calculator Term vs whole life side by side: the premium difference invested, guaranteed cash value, whole life’s implied return, protection after the term ends, the estate in either case and the return the side fund needs to match whole life.
  • Disability Insurance Calculator Your disability-income gap: take-home pay versus the after-tax group LTD benefit and Social Security, the monthly shortfall, the individual own-occupation benefit to buy, its likely cost and whether savings cover the elimination period.
  • Long-Term Care Cost Calculator Project what long-term care will cost when you need it, the lump sum or monthly saving to self-fund it, and whether a long-term care policy’s benefit pool covers the need — with Medicaid and Medicare realities.
  • Inherited Property Tax Calculator Tax on selling inherited or gifted property: the stepped-up (or carryover) basis, the gain, federal capital gains, NIIT and state tax, how much the step-up saved versus a lifetime gift, the home-sale exclusion and the estate-tax check.
  • Roth IRA Income Limit Calculator 2026 Can you contribute to a Roth IRA in 2026? Your allowed amount in the $153,000–$168,000 / $242,000–$252,000 phase-out, the backdoor route with the pro-rata tax on existing IRA balances, how to fix it, and what a Roth is worth over 25 years.
  • IRA Deduction Calculator 2026 How much of your 2026 traditional IRA contribution is deductible — by filing status, income and whether you or your spouse have a workplace plan — the tax saved, the non-deductible remainder and whether a Roth is the better home for it.
  • Saver's Credit Calculator 2026 Your 2026 Saver's Credit — the 50% / 20% / 10% rate at your AGI, eligible contributions up to $2,000 per person, the non-refundable limit, the combined benefit with the pre-tax deduction and the contribution that would lift you into a better tier.
  • Charitable Donation Tax Deduction Calculator 2026 Your 2026 charitable deduction under the new rules — the $1,000 / $2,000 non-itemiser deduction, the 0.5% AGI floor, itemise vs standard, capital gains avoided by donating stock, the 37%-bracket haircut, AGI limits, bunching and QCDs.
  • Tax-Loss Harvesting Calculator Tax saved this year by harvesting losses — netting against short- and long-term gains, the $3,000 ordinary-income deduction, carry-forward, the deferred tax from a lower basis, the net benefit over your holding period and the wash-sale window dates.

🇦🇺 Australia

Income tax 2026–27 (with the 15% first rate), take-home pay, superannuation and salary sacrifice, HECS-HELP repayments, capital gains with the 50% discount, negative gearing, Medicare levy surcharge vs hospital cover, first home super saver, novated lease and GST calculators — figures checked on ato.gov.au.

  • Australian Income Tax Calculator 2026–27 Your 2026–27 Australian income tax: bracket-by-bracket tax with the new 15% rate, LITO, Medicare levy and surcharge, HECS-HELP at marginal rates, marginal and effective rate, take-home per fortnight and a refund estimate — ATO figures confirmed.
  • Pay Calculator Australia 2026–27 Australian take-home pay for 2026–27 from an annual, monthly, fortnightly, weekly or hourly salary — super included or on top, salary sacrifice, HECS-HELP, tax-free threshold and Medicare levy surcharge — per fortnight, month and week with hourly rates.
  • Superannuation Calculator 2026–27 Super guarantee at 12%, the salary-sacrifice tax saving, the $32,500 concessional cap with carry-forward, Division 293, net contributions and your projected balance at retirement with and without sacrifice — 2026–27 ATO figures.
  • HECS-HELP Repayment Calculator 2026–27 Your 2026–27 HECS-HELP repayment under the marginal system (15% over $69,528, 17% over $129,717), fortnightly withholding, indexation, years to repay, total repaid, voluntary repayments and whether paying early beats your mortgage.
  • Capital Gains Tax Calculator Australia Australian CGT on property, shares or crypto: cost base, gross gain, main-residence exemption, losses, the 50% discount, the net gain stacked on your income, tax including Medicare levy, the no-discount comparison and timing ideas.
  • Negative Gearing Calculator Negative gearing on an Australian investment property: rent, interest, expenses and depreciation, the taxable loss and refund at marginal rates, pre- and after-tax cash flow per week, yields, break-even growth and a 10-year projection with CGT.
  • Medicare Levy Surcharge Calculator 2026–27 Would you pay the Medicare levy surcharge in 2026–27? Your tier and rate (1%–1.5%), the surcharge versus basic hospital cover, break-even income, the private health insurance rebate and Lifetime Health Cover loading.
  • First Home Super Saver Calculator First Home Super Saver: contributions, 15% contributions tax, deemed earnings, releasable amount, withdrawal tax after the 30% offset, net deposit versus saving the same salary after tax, and the deposit as a share of your target home.
  • Novated Lease Calculator Novated lease vs buying: GST saving, ATO residual, annual lease cost, the EV FBT exemption or employee-contribution method, income tax saved at your marginal rate, net monthly cost and the advantage over an after-tax car loan.
  • GST Calculator Australia Add or extract 10% GST from any amount, with a quarterly BAS estimate (GST on sales less input credits) and a check against the $75,000 registration threshold.

🌍 Global

Mortgage payment, refinance, 15 vs 30 year, points, HELOC, rent vs buy, credit card and debt payoff, balance transfer, loan APR, car payment, student loan, 401(k) match, retirement, savings goal, life insurance, ROI, EMI, compound interest and percentage calculators — any currency.

  • Margin vs Markup Calculator Calculate profit margin and markup from cost and price, or work backward to the selling price that hits a target margin or markup.
  • Invoice Late Fee & Interest Calculator Invoice late fee calculator: interest and fixed compensation on an overdue invoice under the UK Late Payment Act (8% + base rate), the EU Late Payment Directive, or your own contract rate.
  • Compound Interest & Savings Growth Calculator See how a lump sum and regular monthly deposits grow at a given rate with daily, monthly or yearly compounding, year by year, in any currency.
  • Age Calculator — Exact Age in Years, Months & Days Find your exact age in years, months and days, total days lived, your next birthday, and your age on any future date — useful for job, exam and visa age limits.
  • Percentage Calculator — % of, % Change, Discount & Marks Four percentage calculations in one place: X% of a number, what percent X is of Y, percentage increase or decrease between two numbers, and marks or discount percentages.
  • EMI / Loan Calculator — Any Currency Calculate the monthly installment (EMI) on any loan from the amount, rate and term, with total interest and a year-by-year amortization schedule — works in any currency.
  • Days Between Dates & Countdown Calculator Count the days, working days, weeks and months between two dates, count down to an event, or add or subtract days from a date — with Friday–Saturday or Saturday–Sunday weekends.
  • Fuel Cost Calculator — Trip, Per km & Monthly Commute Work out the fuel cost of a trip or your monthly commute from distance, your car's km/l or l/100km and the petrol price — in PKR, AED, SAR, pounds or any currency, with per-person sharing.
  • BMI & Daily Calorie (TDEE) Calculator Calculate your BMI with the standard and South Asian cut-offs, your basal metabolic rate and daily calorie needs for your activity level, and a healthy weight range for your height.
  • Mortgage Refinance Calculator Should you refinance? Put in your current loan, the new rate and closing costs to get the break-even month, monthly saving, lifetime interest difference and a verdict for the years you plan to stay.
  • Credit Card Payoff Calculator How long to pay off a credit card at a fixed monthly payment, the payment needed to clear it by a date, and what paying only the minimum really costs — with a month-by-month balance table.
  • Debt Payoff Calculator — Snowball vs Avalanche Enter up to six debts and an extra monthly amount: months to debt-free, total interest and payoff order for the avalanche and snowball methods side by side, plus the minimums-only baseline.
  • Loan APR Calculator — True Cost with Fees Work out the real APR of a personal or car loan once origination, arrangement and monthly fees are included, see the cash you actually receive and total cost of credit, and compare two offers on one number.
  • Car Lease vs Buy Calculator Compare leasing and buying a car over the same months: lease payment built from price, residual and money factor, against a loan with the equity you keep at resale and the opportunity cost of the down payment.
  • Life Insurance Needs Calculator (DIME) How much life cover you need using the DIME method — debts, income replacement, mortgage, education — minus savings and existing cover, with an income-multiple cross-check and a suggested term policy.
  • Retirement Savings Calculator Project your retirement pot from current savings, monthly and employer contributions and expected returns, in future and today's money, the income it supports at your withdrawal rate, and the contribution needed to hit a target.
  • Home Equity Loan & HELOC Calculator How much equity you can borrow at the lender's combined loan-to-value limit, the fixed home-equity-loan payment and total interest, and the HELOC interest-only payment and the jump after the draw period.
  • Rent vs Buy Calculator Net cost of owning (mortgage, tax, maintenance, buying and selling costs, minus equity on sale) against renting (rent growth, minus returns on the invested deposit), year by year, with the break-even year.
  • LTV : CAC Calculator Customer acquisition cost from spend and new customers, lifetime value on gross margin and churn (with expansion and discounting), the LTV:CAC ratio, CAC payback months and what it takes to reach 3:1.
  • Mortgage Payment Calculator (PITI) Monthly mortgage payment including principal, interest, property tax, insurance, PMI and HOA, total interest over the term, when PMI drops off, the effect of extra payments and the income needed — any currency.
  • 15-Year vs 30-Year Mortgage Calculator Compare a 15-year and a 30-year mortgage: monthly payments, total interest, the balance left at year 15, what investing the payment difference would earn, and the cost of overpaying a 30-year instead.
  • Mortgage Points Calculator Work out whether buying discount points pays: cost of the points, monthly saving, simple and opportunity-cost break-even, net gain for the years you keep the loan and the return on the points.
  • Cash-Out Refinance Calculator Maximum cash at the lender's LTV cap, the new payment, extra lifetime interest and the effective APR on the cash — compared with keeping your mortgage and taking a HELOC or home equity loan instead.
  • Balance Transfer Calculator Is a 0% balance transfer worth the fee? Interest and months on both cards, the balance left when the promotion ends, the monthly payment that clears it in time, and the net saving.
  • Student Loan Payoff Calculator Standard student loan payment, payoff date and interest with extra monthly payments or a lump sum, plus a refinance offer compared with and without the same overpayments — any currency.
  • Car Payment Calculator — Auto Loan with Trade-In & Tax Monthly car payment from price, sales tax, fees, down payment and trade-in (including negative equity rolled in), total interest, every term side by side, a negative-equity warning — or the price you can afford for a payment.
  • 401(k) Contribution & Employer Match Calculator Employer match from your plan's formula (e.g. 100% of the first 3%, 50% of the next 2%), the free money you are missing, per-paycheck amounts, the pre-tax saving and the projected balance with and without the full match — 2026 IRS limits.
  • Savings Goal Calculator Monthly amount to reach a savings goal by a date, how long a fixed amount takes, or what you will have — with interest, the no-interest comparison, weekly and daily figures and a progress table.
  • ROI & CAGR Calculator Total return on investment, annualised CAGR between two dates, real return after inflation, doubling time and a benchmark comparison — including fees paid and income received along the way.
  • Amortization Schedule Calculator Full loan amortization schedule: monthly payment, every payment's interest and principal with dates, payoff date, the month principal overtakes interest, extra-payment effect and a CSV download — any currency.
  • Home Affordability Calculator — How Much House Can I Afford? The home price your income supports under front-end and back-end debt ratios, with the payment breakdown, a comfortable and a stretch estimate, and the effect of a one-point rate change — any currency.
  • Down Payment Calculator Total cash needed for a home (deposit, closing costs, reserve), how long it takes to save with and without rising prices, the monthly saving for 2/3/5 years and the mortgage payment at 5%, 10% and 20% down.
  • FIRE Calculator — Financial Independence Years to financial independence from your savings rate, your FIRE number at a 4% (or custom) withdrawal rate, FI age, coast FIRE, lean and fat variants and a savings-rate table — any currency.
  • Salary to Hourly Calculator Convert between hourly, daily, weekly, bi-weekly, monthly and annual pay for any hours per week and paid weeks, add overtime at 1.25×/1.5×/2×, with a quick-reference table — any currency.
  • Break-Even Calculator Units and revenue to break even from fixed costs, price and variable cost, contribution margin, margin of safety at your expected volume, units for a target profit and price/cost sensitivity.
  • Business Loan Calculator Monthly payment, cash received after fees, total cost and true APR for amortising, interest-only or factor-rate business finance, plus debt service coverage ratio and the maximum loan your cash flow supports.
  • Retirement Withdrawal Calculator — How Long Will My Money Last? How long retirement savings last with inflation-linked withdrawals, the sustainable amount for your horizon, the never-touch-capital figure, pension income starting later and stress tests for lower returns and an early crash.
  • Freelance Hourly Rate Calculator The hourly, day and retainer rate a freelancer or contractor needs from a target income, tax, business costs, benefits, billable share and margin — with sensitivity and an employee-salary comparison.
  • CD & Fixed Deposit Calculator Interest and balance at maturity for a CD, fixed or term deposit at any compounding, APY from the nominal rate (or the reverse), tax and inflation, early-withdrawal penalty, other terms and a ladder plan — any currency.
  • Net Worth Calculator Your net worth from assets and liabilities, liquid net worth, home equity, debt-to-asset ratio, asset mix, the age × income benchmark and months of runway — any currency.
  • Inflation Calculator What today's money will cost in future, what past money is worth today, or the inflation rate implied by two prices — with purchasing-power loss, doubling time and a real-return comparison for any country's rate.
  • Dividend Reinvestment (DRIP) Calculator Portfolio value with dividends reinvested versus taken as income, dividends received, final-year income and yield on cost, with monthly contributions, dividend growth and withholding tax.
  • Investment Fee Calculator Final value and money lost under two fee levels, fees paid plus the compounding they forfeit, the share of your wealth consumed and the extra years of contributions the higher fee costs — any currency.
  • APR to APY Calculator Convert a nominal APR to the effective APY or AER for monthly, daily, quarterly or continuous compounding, or back again, with the periodic rate, interest on a balance and every frequency compared.
  • Emergency Fund Calculator Your emergency fund target from essential monthly expenses and months of cover, how much is already covered, the gap, time to reach it and the monthly saving needed to finish within a year.
  • 50/30/20 Budget Calculator Needs, wants and savings amounts from your monthly take-home pay under the 50/30/20 rule or another split, compared with what you actually spend, with the adjustments needed and annual savings.
  • Bi-Weekly Mortgage Payment Calculator Interest and years saved by paying half the mortgage every two weeks, the extra-payment version, the free monthly equivalent (1/12 extra principal) and the effect of lender fees — any currency.
  • Annuity Calculator Monthly income a lump sum provides over a term, the lump sum needed for an income, or how long a sum lasts — with escalation, deferral, annuity rate, perpetuity income and rate sensitivity.
  • Credit Utilization Calculator Overall and per-card credit utilisation, how it rates for your credit score, how much to pay before the statement date to reach 10% or 30%, the limit increase that would do the same and which card to tackle first.

🇪🇺 Europe

Standard VAT rates for all 27 EU member states, and a viewer for ZUGFeRD, Factur-X, XRechnung and Peppol UBL e-invoices.

🗂️ Free tools

Resize a photo or PDF to an exact KB, convert HEIC, WebP, PNG and JPG, merge and split PDFs, OCR an image, add watermarks and blur faces, resize for every social platform, make QR codes and favicons, build an email signature, format subtitles, count words, check WCAG contrast, generate passwords and convert DOIs to BibTeX.

Not tax or legal advice. These calculators give estimates from published rules. Each page states its assumptions, its sources and the date its figures were last checked. Confirm with a qualified professional before relying on a figure for a real transaction.
Before you ask

The questions that decide the deal

Cost, timeline, ownership and what happens when something breaks. Answered here so the first call can be about your business instead.

What does a custom ERP or CRM build actually cost?

Cost tracks scope, not seats. A focused CRM or a single-department system starts materially lower than a multi-module ERP with a double-entry ledger and multi-branch reporting. After a 30-minute scoping call we send a written fixed price range with the module breakdown behind it, and that range does not move unless the scope moves.

We will also tell you when off-the-shelf software is the cheaper answer. Recommending a custom build that should not exist is the most expensive mistake in this category, and it is ours to avoid rather than yours to discover.

How long before we have something we can use?

You get working software you can log into early, not at the end. Discovery and design usually take one to two weeks, after which delivery runs module by module so each piece can be tested and accepted as it lands.

A focused system is typically live in six to twelve weeks. A full multi-module ERP runs three to nine months to complete, but the first usable modules arrive long before that. There is no six-week silence where you wonder what is happening.

We already have a system. Do we have to replace it?

Usually not, and we have no incentive to say otherwise. The first step is an architecture and code review that tells you whether what you have can carry another two years of growth, what the security exposure is, and what the previous vendor left undocumented.

You get a written risk register with costs attached to each option: fix, replace or retain. Where the existing system is worth keeping, we say so and quote for the remediation instead of the rebuild.

Do we own the code and the data?

Yes, entirely, from day one. Source code, database, hosting credentials, brand vector files and documentation are handed over as a matter of course, not negotiated at the end.

There are no hostage licences, no per-seat fees on your own system, and nothing held back to create leverage at renewal. If you want to move the system to another provider, everything needed to do that is already in your possession.

What happens after launch?

Support is a defined agreement rather than goodwill. It covers monitoring, backups that are verified by actually performing a restore, response-time targets, and a named engineer who already knows your stack.

We also run quarterly reviews to look at what the system is doing in practice versus what it was designed to do, because usage patterns after twelve months are rarely the ones assumed at design time.

How do you handle security and our data?

Least-privilege roles, server-side input validation, complete audit trails on financial and administrative writes, and backups tested by restore rather than assumed to work. These are built in during development, not sold afterwards as a hardening phase.

Your data stays on infrastructure you control and own. We can work within your existing hosting, compliance requirements and data-residency constraints, and we will document exactly who has access to what.

Can you work alongside our in-house developers?

Regularly. That arrangement works best when the boundary is explicit: we take specific modules or the architecture, your team takes the rest, and the API contract between them is agreed and written down before either side starts building.

We document to the standard of someone else maintaining the code, because in this arrangement someone else does.

What if the project goes wrong, or you disappear?

Three structural answers rather than a reassurance. First, each stage has a written exit condition, so a project cannot drift quietly for months. Second, you hold the code, credentials and documentation throughout, so another team could pick it up. Third, every system ships with an ERD, a permission matrix and a runbook written for an engineer who has never seen it.

We also run systems of our own in production, which means we are not a project shop that can quietly stop answering the phone.

Start here

Ready to build your next digital solution?

Send the brief and you get a scoped response with approach, milestones and a fixed price range. Not a sales call.

1

A 30-minute call with the engineer who would run your project

Within 2 business days
2

A written scope: approach, module breakdown, milestones, fixed price range

Within 5 business days
3

You decide. No retainer, no obligation, and the scope document is yours to keep either way

Your timeline

Send your brief

Three fields to start. Add project details if you have them.

A real person replies, usually within one business day. Your details are stored on this site only and are never sold or shared.

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