Personal Finance

Compare national minimum wages across the EU in 2026 — monthly and hourly, from €620 in Bulgaria to €2,704 in Luxembourg — and see which countries set wages by collective agreement instead.

See the true cost of sending money abroad — the upfront fee plus the hidden exchange-rate markup — and compare your bank with a transfer service to find out how much the recipient really gets.

How long SEPA transfers take and what they cost in 2026 — SEPA Instant (10 seconds, same price as standard since October 2025), standard credit transfers, direct debits, cut-off times, Verification of Payee and the 36 SEPA countries.

Where do you pay tax and social security if you live in one EU country and work in another? The key rules for frontier workers and remote workers — tax treaties, the EU social security coordination rules, telework limits and special deals like France–Switzerland and Belgium–Luxembourg.

Estimate net salary in Belgium, Austria or Portugal for 2026 — employee social security and income tax with each country's 2026 brackets, allowances and special rules (Austria's 13th/14th salaries at 6%, Belgium's communal tax, Portugal's specific deduction).

Calculate take-home pay in Sweden, Denmark or Norway for 2026 — Swedish municipal and state tax with the basic deduction and job tax credit, Danish AM-bidrag and the new middle tax, and Norwegian bracket tax and national insurance.

Calculate your Swiss net salary for 2026 — AHV/IV/EO, unemployment insurance, accident insurance and occupational pension (BVG) by age — plus the exact 2026 direct federal tax and your cantonal/communal tax rate.

Convert a French gross salary (brut) to net (net) for 2026 — cadre or non-cadre social contributions, net taxable pay, and income tax (impôt sur le revenu) with family quotient and décote.

Calculate your Dutch net salary for 2026 — box 1 income tax and national insurance, general tax credit and labour tax credit, pension contribution, and the 30% ruling for expats.

Estimate your Spanish net salary for 2026 — Social Security (6.5%), IRPF with the work-income reduction and personal and family minimums — per year, per month in 12 or 14 payments.

Calculate your Italian net salary for 2026 from the gross (RAL) — INPS 9.19%, IRPEF at the new 23/33/43% rates, employee deductions, the cuneo fiscale bonus and regional/municipal surcharges.

Calculate Irish take-home pay for 2026 — PAYE income tax at 20%/40% with tax credits, USC, and PRSI (4.2%, rising to 4.35% in October 2026) — for single people, single parents and married couples.

Calculate Polish net salary (netto) from gross (brutto) for 2026 on an employment contract — ZUS contributions, 9% health contribution, PIT at 12%/32% with the PLN 30,000 tax-free amount, and the under-26 relief.

Add or remove VAT at the standard rate for any EU country, the UK, Norway or Switzerland — rates as of September 2025, or enter your own rate.

Standard VAT rates for all 27 EU member states plus the UK, Norway, Switzerland and Iceland — as of September 2025.

Check whether an IBAN is valid — country length, format and the mod-97 check digits — and see it formatted in groups of four.

Generate random, checksum-valid IBANs for software testing — for Germany, France, the Netherlands, Spain, Italy, the UK and more.

Project the tax-free growth of a UK Stocks & Shares or Cash ISA with monthly contributions, capped at the £20,000 annual allowance.

Calculate UK mortgage payments for repayment or interest-only mortgages, with the loan-to-value (LTV) band and total interest.

Estimate a variable-rate euro mortgage payment from the Euribor index plus your bank's margin — and see how it changes if Euribor moves.

Work out the day or hourly rate you need as a freelancer to hit a target take-home income after business costs, tax and unpaid time off.

Calculate pro-rata annual leave for part-time work or a partial year — UK statutory 5.6 weeks, EU minimum 4 weeks, or your contract's entitlement.

Compare VAT due under the UK Flat Rate Scheme with standard VAT accounting — including the 16.5% limited-cost trader rate.

Calculate your German net salary for 2026 from gross — income tax (Lohnsteuer) by tax class, solidarity surcharge, church tax, and pension, unemployment, health and care insurance — per month and per year.

Calculate German income tax for 2026 on your taxable income (zu versteuerndes Einkommen) — basic tariff or joint assessment (Splitting) — with solidarity surcharge, church tax, and marginal and average rates.

Work out German church tax (Kirchensteuer) for 2026 — 8% of income tax in Bavaria and Baden-Württemberg, 9% elsewhere — and how much you'd save by leaving the church.

Calculate take-home pay and employer costs for a German Minijob (up to €603 a month in 2026) or Midijob (€603.01–€2,000) — with the reduced employee contributions in the transition zone.

Check if you qualify for Germany's small business VAT exemption (Kleinunternehmerregelung, § 19 UStG) in 2026 — €25,000 last year and €100,000 this year — and whether it's worth using.

Convert an hourly wage to an annual salary and back — with weekly, biweekly, semimonthly and monthly pay — for any hours per week.

Calculate gross pay with overtime at time-and-a-half, double time and holiday rates for any hourly wage.

Split your take-home pay into needs, wants and savings with the 50/30/20 rule — or set your own percentages — and compare with your actual spending.

Add up what you own and what you owe to find your net worth — cash, investments, retirement, property and vehicles minus mortgages, loans and cards.

Find how big your emergency fund should be — 3 to 6+ months of essential expenses — and how long it will take to save it.

Work out how much to save each month to reach a goal by a target date — for a house deposit, car, wedding, trip or any sinking fund.

Calculate the interest earned in a high-yield savings account or certificate of deposit (CD) from the APY and term, with optional monthly deposits.

Convert between APR (nominal rate) and APY (effective annual yield) for any compounding frequency to compare loans and savings fairly.

See how long it will take to pay off a credit card and the total interest — or the monthly payment needed to be debt-free by a target date.

Estimate the interest charged on a credit card balance for a billing cycle using the daily periodic rate, as most US card issuers do.

Plan your way out of debt: compare the snowball (smallest balance first) and avalanche (highest interest first) methods — payoff date, interest and order.

Calculate your front-end and back-end debt-to-income ratios — the numbers mortgage and loan lenders use to judge what you can afford.

Calculate your overall and per-card credit utilization ratio — a major factor in your credit score — and how much to pay to get under 30% or 10%.

See whether a 0% balance transfer card saves money after the transfer fee — and what's left when the promotional rate ends.

Calculate your new salary after a percentage raise — or the raise percentage between an old and new salary — per year, month and hour.

Count a till, cash drawer or coin jar: enter how many of each US bill and coin you have and get the total instantly.

Add up all your subscriptions — streaming, apps, gym, software — to see what they really cost per month and per year.

See what a daily habit — coffee, takeout, cigarettes — costs over the years, and what the money could grow to if invested instead.

Estimate how much life insurance cover you need with the DIME method — debts, income replacement, mortgage and education — minus savings and existing cover.

Compare monthly federal student loan payments under the new Repayment Assistance Plan (RAP, from July 2026), Income-Based Repayment (IBR) and the 10-year standard plan — using your AGI, family size and 2026 poverty guidelines.

Look up the 2026 state pension (retirement) age in 35 countries across Europe and beyond — current age, legislated future increases, and whether it's linked to life expectancy — and how many years you have to go.

Which European countries tax inheritances, estates and gifts — and at what rates — from Austria's zero to Spain's regional system, with key allowances for spouses and children.

How much you can send and receive with Zelle, Cash App, Venmo and PayPal — verified vs unverified limits, instant transfer fees, and buyer-protection differences — plus how to raise your limits safely.

Do you need an ESTA for the US, an ETA for the UK or Canada, or ETIAS for Europe? Who needs each, the cost, how long it lasts and how to apply on the official sites — plus the latest on ETIAS's delayed launch.

Work out the sale price and how much you save — with stacked discounts (e.g. 20% off then an extra 10%) and sales tax.

Calculate the tip and split the bill between any number of people, with the option to round each share up.

Add sales tax, VAT or GST to a price, or remove it from a tax-inclusive price to find the net amount and the tax paid.

Compare products by price per unit — per 100 g, per kg, per litre or per item — to find which pack size is the best value.

Calculate zakat at 2.5% on cash, gold, silver, investments and business stock, checked against the gold or silver nisab using today's prices you enter.

Find what gold is worth by weight and purity — 24K, 22K, 21K, 18K or 14K — in grams, tola or troy ounces, using the price you enter.

Work out UK income tax for 2026/27 on salary, pension, rental, savings and dividend income — England, Wales, Northern Ireland or Scotland — with the personal allowance taper and a band-by-band breakdown.

Calculate your take-home pay in the UK for 2026/27 — income tax (including Scotland), National Insurance, pension contributions and student loan repayments — per year, month and week.

See how much you'll repay on a UK student loan each month for 2026/27, and project whether you'll clear it before it's written off — for Plans 1, 2, 4, 5 and postgraduate loans.

See how much tax relief you get on UK pension contributions in 2026/27 — relief at source (SIPP/personal pension), net pay or salary sacrifice — including the extra higher-rate relief to claim and the 60% trap above £100,000.

Calculate UK Capital Gains Tax for 2026/27 on shares, crypto, second homes or business assets — £3,000 allowance, 18%/24% rates, losses, and Business Asset Disposal Relief at 18%.

Calculate tax on UK dividends for 2026/27 — the £500 allowance and the new 10.75% / 35.75% rates (39.35% additional) — stacked on your salary, for investors and company directors.

Estimate your Self Assessment bill for 2026/27 — income tax and Class 4 National Insurance on self-employed profits, plus other income — with payments on account and the January/July deadlines.

Work out your Child Benefit for 2026/27 (£27.05 a week for the eldest child, £17.90 for each other child) and any High Income Child Benefit Charge if either parent earns over £60,000.

Estimate your gas and electricity bill under Ofgem's price cap for 1 October – 31 December 2026 — unit rates and standing charges for Direct Debit customers — from your kWh usage or a typical household profile.

Work out UK vehicle tax (VED) for 2026/27 — the first-year rate by CO₂ emissions, the £200 standard rate, and the £440 expensive car supplement (list price over £40,000, or £50,000 for electric cars).

Calculate statutory redundancy pay in the UK from 6 April 2026 — weeks' pay by age and years of service, the £751 weekly cap (£783 in Northern Ireland), up to 20 years — and see whether it's tax-free.

Work out your notice period and last working day — UK statutory minimum notice (one week per year of service, up to 12 weeks) or your contractual notice in weeks, months or days.

See what each council tax band A–H costs in England for 2026/27 from your council's Band D (or the £2,392 average), how bands are set, and discounts like the 25% single person discount.

Calculate Statutory Maternity Pay (SMP), Paternity Pay (SPP) and Shared Parental Pay for 2026/27 — 90% of average weekly earnings for 6 weeks, then £194.32 a week — with week-by-week totals.

Estimate your monthly Social Security retirement benefit from your average earnings using the 2026 formula — and compare claiming at 62, full retirement age, or 70.

Estimate your 2026 Medicare costs — the $202.90 Part B premium, income-related surcharges (IRMAA) for Part B and D, Part A premium if you lack 40 work credits, and deductibles.

Estimate your 2026 ACA premium tax credit — what you'll pay for the benchmark silver plan based on income and household size, with the 400% poverty-line cliff that returned in 2026.

Project the value of Series I savings bonds — composite rate from the fixed rate and inflation, semiannual compounding, and the 3-month interest penalty if you cash out before 5 years. Defaults to the May–October 2026 rates.

Every key federal tax deadline for 2026 and early 2027 — filing day, extensions, quarterly estimated payments, W-2/1099 due dates and business returns — adjusted for weekends.

How long an IRS refund takes and what each “Where's My Refund?” status means — e-file vs paper, EITC holds, amended returns, identity checks and offsets — with links to the official trackers.

Calculate sales tax for any US state with 2026 rates — the state rate, the average combined state + local rate, and the highest local rate — or enter your exact local rate. Add tax or back it out of a total.

Estimate 2026 state income tax for any US state from the latest brackets, standard deductions and personal exemptions — and compare your state with every other state.

Look up the current minimum wage in every US state and DC, and see what it pays per week, month and year for your hours — with local and small-employer exceptions noted.

Check whether an estate owes state estate tax or heirs owe inheritance tax in 2026 — exemptions and rates for the 12 states + DC with an estate tax and the 5 states with an inheritance tax, including New York's cliff.

Estimate your 2026 federal income tax — wages, self-employment, investments, the standard or itemized deduction, new senior/tips/overtime deductions, Child Tax Credit and EITC — with your marginal and effective rates.

See which 2026 federal tax bracket you're in, how much of your income falls in each bracket, and your marginal vs effective tax rate.

Calculate federal tax on stock, crypto or property gains for 2026 — short-term vs long-term (0%, 15%, 20%), stacked on your other income, plus the 3.8% net investment income tax.

Calculate 2026 self-employment tax (Social Security + Medicare) for freelancers, contractors and sole proprietors — with the half-SE-tax deduction and the $184,500 Social Security wage base.

Work out your 2026 quarterly estimated tax payments — using the safe-harbor rules (100%/110% of last year or 90% of this year) to avoid underpayment penalties — with every due date.

Check if your paycheck withholding is on track for 2026 — project your tax, compare it with what you'll have withheld, and get the extra amount per paycheck to enter on your W-4.

Should you itemize in 2026? Compare the standard deduction with your itemized deductions — SALT (new $40,400 cap), mortgage interest, charity (new 0.5% floor) and medical — including the new $1,000/$2,000 charitable deduction for non-itemizers.

Calculate your 2026 Child Tax Credit — $2,200 per child under 17, up to $1,700 refundable — plus the $500 credit for other dependents, with the income phase-out.

Check if you qualify for the 2026 Earned Income Tax Credit and estimate the amount — up to $664 with no children, $4,427 with one, $7,316 with two and $8,231 with three or more.

Estimate your federal tax refund (or balance due) for tax year 2026 from your income, withholding, dependents and deductions — including the new senior, tips and overtime deductions.

See how much of your bonus you'll take home — federal supplemental withholding (22%, or 37% above $1 million), Social Security, Medicare and state tax — and whether you'll get some back at tax time.

Calculate your take-home pay per paycheck for 2026 — federal income tax, Social Security, Medicare, your state's income tax rate, 401(k), HSA and health premiums — for hourly or salaried pay.

Find your 2026 HSA contribution limit — $4,400 self-only or $8,750 family, plus $1,000 at 55+ — prorated for partial-year coverage, minus employer contributions, and see your tax savings.

Plan your 2026 flexible spending account — the $3,400 health FSA limit and $680 carryover, the new $7,500 dependent care FSA limit — and see your tax savings and use-it-or-lose-it risk.

See whether a gift uses your lifetime exemption or needs Form 709 — 2026 annual exclusion of $19,000 per recipient ($38,000 with gift splitting), $15 million lifetime exemption, and 40% tax above it.

Estimate federal tax on gambling winnings for 2026 — 24% withholding, how winnings add to your income, and the new rule that only 90% of gambling losses are deductible (itemizers only).

See the 2026 tax cost of converting a traditional IRA or 401(k) to a Roth — the extra federal and state tax, the bracket you land in, and how much you can convert while staying in your current bracket.

Estimate the tax when you exercise employee stock options in 2026 — NSOs taxed as wages (income tax + FICA) and ISOs with the alternative minimum tax (AMT), using 2026 AMT exemptions and the new 50% phase-out.

Estimate US federal tax on crypto for 2026 — short- and long-term gains from selling or trading coins, plus staking, mining and airdrop income taxed as ordinary income.

Calculate what an employee really costs in 2026 — employer Social Security and Medicare (7.65%), FUTA, state unemployment (SUTA), benefits and 401(k) match — per paycheck and per year.

Compare taxes as a single-member LLC (sole proprietor) versus an S corporation in 2026 — self-employment tax vs payroll tax on a reasonable salary, plus S-corp running costs — to see if the election saves money.

See how much tax a 1031 like-kind exchange defers when you sell investment real estate — capital gain, depreciation recapture, NIIT and state tax — and the tax on any cash boot you take.

Convert between 30 major currencies with official European Central Bank reference rates — updated every working day — with 1-month to 5-year rate history charts.