Free calculators, writing and PDF tools

US · Pay & tax 1099 Self-Employment Tax Calculator Estimate 2026 self-employment tax, federal income tax and quarterly payments from 1099 income after business expenses. Includes a transparent breakdown. Open tool US · Retirement & pensions 2026 Medicare IRMAA and Premium Calculator Estimate one person’s 2026 Medicare Part B premium and Part D income-related adjustment from 2024 modified adjusted gross income. The result separates the Open tool US · Retirement & pensions 401(k) Contribution and Employer-Match Calculator Calculate employee 401(k) contributions, employer match and projected annual total. Supports tiered match formulas and 2026 contribution limits. Open tool US · Money 50/30/20 Budget Calculator Calculate editable needs, wants and savings targets from monthly take-home income. Compare current allocations and differences from your selected split. Open tool US · Education 529 College Savings Calculator Project a child’s 529 college savings balance from current funds and monthly contributions. Compare that balance with future college costs after tuition in Open tool US · Housing Adjustable-Rate Mortgage Calculator Model ARM payment paths with initial, periodic and lifetime caps, index and margin. Open tool US · Business Amazon FBA Profit Calculator Calculate Amazon FBA profit from sale price, product costs, fees, returns and advertising. Open tool US · Vehicles Auto Loan and Refinance Calculator Calculate a car payment with price, trade-in, down payment, tax, fees, APR and term. Compare refinancing, extra payments and total interest. Open tool US · Debt Balance Transfer Savings Calculator Estimate balance transfer savings, transfer fees, the balance at promotional expiry and lasting cost break-even. Open tool US · Housing Biweekly Mortgage Payoff Calculator Compare standard monthly payments, true biweekly payments and equivalent monthly extra principal. Open tool US · Investing Bond Yield-to-Maturity Calculator Calculate bond yield to maturity with settlement dates, accrued interest and coupon payments. Open tool US · Pay & tax Bonus and Supplemental Wage Tax Calculator Compare 2026 federal flat and aggregate bonus withholding with Social Security and Medicare withholding. Open tool US · Business Business Break-Even Calculator Calculate business break-even units, revenue and target-profit volume with sensitivity analysis. Open tool US · Pay & tax Capital Gains Tax Calculator for Stocks, Crypto and Property Estimate 2026 federal short- and long-term capital gains tax, rate stacking, home exclusion and NIIT. Open tool US · Vehicles Car Lease Calculator Estimate monthly lease payment, due at signing and effective monthly cost. Open tool US · Money Certificate of Deposit Calculator Calculate CD maturity value and early-withdrawal penalties. Compare interest payout methods and savings-account returns over the same holding period. Open tool US · Pay & tax Child Tax Credit and Dependent Care Credit Calculator Estimate the 2026 Child Tax Credit, refundable ACTC and Child and Dependent Care Credit using IRS rules. Open tool US · Housing Closing Costs and Cash-to-Close Calculator Estimate buyer closing costs and cash to close from loan costs, points, transfer fees, prepaids, escrow, deposits, and credits. Open tool US · Education College Financial Aid Offer Comparison Compare college aid offers by net price, grants, loans and remaining funding gaps. Keep borrowed money separate from scholarships and gift aid. Open tool US · Money Compound Interest Calculator Estimate compound interest with monthly or annual contributions. Compare return assumptions, contribution timing and compounding frequencies with yearly results. Open tool US · Housing Construction Loan Calculator Estimate construction interest, draw schedules, fees and payments after conversion. Open tool US · Work & leave Cost-of-Living Salary Comparison Calculator Compare salaries and purchasing power between US regions using comparable BEA-style regional price indexes. Open tool US · Debt Credit Utilization Calculator Calculate per-card and overall credit utilization, payments needed for a selected ratio and hypothetical reported-balance changes. Open tool US · Debt Credit-Card Payoff and Debt Strategy Calculator Calculate a debt-free date and compare minimum payments, debt avalanche and debt snowball strategies. See estimated interest and time saved. Open tool US · Debt Debt Consolidation Savings Calculator Compare multiple debts with a consolidation loan. Estimate payments, total interest, origination fees, debt-free dates and lasting cost break-even. Open tool US · Investing Dividend Income Calculator Estimate annual dividend income, monthly averages, dividend yield and optional taxes. Open tool US · Investing Dividend Reinvestment Calculator Model dividend reinvestment, projected shares and ending value under your own assumptions. Open tool US · Pay & tax Earned Income Tax Credit Eligibility Estimator Estimate 2026 EITC eligibility and credit from earned income, AGI, filing status and qualifying children. Open tool US · Business eBay Fee and Profit Calculator Calculate U.S. eBay fees, category fees, shipping, advertising, net proceeds and profit. Open tool US · Vehicles Electric Vehicle vs Gas Car Cost Calculator Compare EV and gas ownership costs, incentives, financing, depreciation and energy. Open tool US · Home improvement Electricity Cost Calculator Estimate monthly and annual appliance energy costs with editable presets and standby use. Open tool US · Money Emergency Fund Calculator Estimate an emergency fund range based on expenses and household risk. Customize coverage and calculate a monthly savings plan. Open tool US · Business Etsy Fee and Profit Calculator Calculate U.S. Etsy fees, shipping, advertising, currency conversion, net profit and margin. Open tool US · Vehicles EV Charging Cost Calculator Calculate EV charging costs with charging losses and time-of-use electricity rates. Open tool US · Loans Extra-Payment Loan Payoff Calculator Estimate months and interest saved with monthly or annual extra loan payments and a one-time lump sum. Compare payoff dates and amortization. Open tool US · Education FAFSA SAI and Pell Grant Planning Calculator Estimate a 2026–27 Student Aid Index from household income, taxes, family size and reportable assets, or enter an official SAI. The calculator applies the Open tool US · Pay & tax Federal Tax Refund and Amount Owed Estimator Estimate your 2026 federal refund or balance due using filing status, income, deductions, credits, withholding and estimated payments. Open tool US · Housing FHA Loan Calculator with Mortgage Insurance Estimate an FHA mortgage payment, 1.75% upfront MIP, annual MIP, MIP duration, and 2026 county loan-limit status. Open tool US · Home improvement Flooring Calculator Estimate flooring boxes or planks, adjustable waste, materials, underlayment, labor, tax and delivery. Open tool US · Business Freelancer Hourly Rate Calculator Calculate freelance rates from annual income, expenses, benefits, leave and billable hours. Open tool US · Vehicles Gas Trip Cost Calculator Estimate road trip gas cost, total gallons and cost per person. Open tool US · Home improvement Generator Size Calculator Estimate generator output using simultaneous appliance loads and starting watts. Open tool US · Shopping Grocery Unit Price and Bulk Deal Calculator Compare grocery pack sizes, bulk deals and coupons using price per ounce, pound, litre or item. Include expected waste to find the useful-unit cost. Open tool US · Health Health Insurance Plan Cost Calculator Compare health plan premiums, deductibles and out-of-pocket costs using your own plan details and medical spending scenarios. Open tool US · Housing HELOC Payment and Draw-Period Calculator Compare HELOC draw-period interest payments, optional principal reduction, amortizing repayment payments, and a variable-rate stress case. Open tool US · Money High-Yield Savings APY Calculator Compare savings accounts using APY or nominal rates, monthly deposits, fees and promotional-rate expiration. Open tool US · Housing Home Affordability and Debt-to-Income Calculator Estimate an affordable home payment and price from income, debts, down payment, taxes, insurance and a selectable debt-to-income target. Open tool US · Housing Home Equity Loan Calculator Estimate home equity loan payments, total interest, combined LTV and remaining equity. Open tool US · Housing Home Sale Net Proceeds and Capital Gains Calculator Estimate home-sale cash proceeds, adjusted basis, gain, Section 121 exclusion scenario, depreciation portion, and federal tax. Open tool US · Retirement & pensions HSA Contribution and Tax-Savings Calculator Estimate HSA contribution room and the tax savings from an additional contribution in 2026. Enter eligible self-only and family coverage months, employer c Open tool US · Home improvement HVAC Size and BTU Calculator Estimate heating and cooling BTU ranges with transparent planning assumptions. Open tool US · Investing Investment Return and ROI Calculator Calculate investment ROI, annualized return, CAGR, and returns after fees, taxes and inflation. Open tool US · Pay & tax IRS Mileage Deduction Calculator Calculate business, medical, moving or charitable mileage using the correct IRS rate for each half of 2026. Open tool US · Housing Jumbo Mortgage Calculator Compare jumbo mortgage payments, local conforming limits, taxes, insurance, HOA and reserves. Open tool US · Vehicles Lease vs Buy Car Calculator Compare lease and purchase costs with mileage, maintenance and resale equity. Open tool US · Business LLC vs S Corporation Tax-Savings Calculator Compare estimated federal employment taxes for a sole-proprietor LLC with an S corporation paying a reasonable owner salary. Include extra payroll, tax pre Open tool US · Loans Loan APR Calculator Estimate fee-adjusted loan APR, effective annual rate and total finance charge including origination, discount and closing fees. Open tool US · Housing Mortgage Payment Calculator with PMI, Taxes and HOA Estimate a full monthly mortgage payment with principal, interest, property tax, homeowners insurance, PMI and HOA fees. View amortization and cash needed. Open tool US · Housing Mortgage Points and Rate Buydown Calculator Compare mortgage points costs, payment savings, break-even months and lender credits. Open tool US · Housing Mortgage Refinance Break-Even Calculator Compare your current mortgage with a refinance. Estimate monthly savings, closing-cost break-even, new payoff date and total interest under both loans. Open tool US · Vehicles MPG and Fuel Economy Calculator Calculate US MPG and metric fuel economy from distance or odometer readings. Open tool US · Money Net Worth Calculator Calculate assets, liabilities, net worth, liquid net worth and debt-to-asset ratio. Save dated totals locally to track changes. Open tool US · Work & leave Overtime Pay Calculator by State Estimate weekly overtime under federal law and supported state daily-overtime rules. Open tool US · Home improvement Paint Calculator Estimate paint gallons and quarts from room dimensions, coats and coverage. Open tool US · Business Payment Processing Fee Calculator Calculate payment processing fees, gross-up amounts, refund scenarios and monthly provider comparisons. Open tool US · Loans Personal Loan Calculator Estimate personal loan payments and total interest. Calculate net proceeds after fees and view a monthly amortization schedule. Open tool US · Housing PMI Removal Calculator Estimate conventional PMI cancellation thresholds, scheduled termination dates and current-value scenarios. Open tool US · Business Profit Margin and Markup Calculator Calculate profit margin, markup, target prices and gross profit per unit. Open tool US · Housing Property Tax Calculator by County Estimate annual property taxes using assessed value, assessment ratios, exemptions and sourced district rates. Open tool US · Work & leave PTO Accrual and Vacation Planner Project your PTO balance from employer accrual rules, planned leave and observed holidays. See when you may have enough hours for a trip. Open tool US · Pay & tax Quarterly Estimated Tax and Safe-Harbor Calculator Compare the 90% current-year and 100% or 110% prior-year federal estimated-tax safe harbors. Open tool US · Housing Rent Affordability and Move-In Budget Estimate a comfortable rent budget and the cash needed to move. Separate monthly housing costs, refundable deposits and one-time expenses. Open tool US · Housing Rent vs Buy Calculator Compare renting with buying using mortgage amortization, home costs, appreciation, rent growth, selling costs, and invested savings. Open tool US · Housing Rental Property Cash Flow and ROI Calculator Estimate rental NOI, mortgage debt service, cash flow, cap rate, cash-on-cash return, DSCR, principal paydown, and first-year ROI. Open tool US · Retirement & pensions Required Minimum Distribution Calculator Estimate the distribution required from one retirement account using its prior December 31 balance and the applicable IRS life-expectancy table. Compare th Open tool US · Retirement & pensions Retirement Savings Gap and FIRE Calculator Compare projected retirement savings with a portfolio target based on spending, healthcare, benefits and taxes. The calculator models your selected retirem Open tool US · Housing Reverse Mortgage Calculator Estimate HECM proceeds after mortgage payoff, upfront insurance, closing costs and reserves. Open tool US · Home improvement Roof Replacement Cost Calculator Estimate roof area, materials, labor, tear-off and other replacement costs. Open tool US · Retirement & pensions Roth Conversion Tax Calculator Estimate incremental 2026 federal Roth conversion tax, assumed state tax and break-even scenarios. Open tool US · Retirement & pensions Roth IRA Eligibility and Contribution Calculator Check direct Roth IRA contribution room for 2026 using your filing status, modified adjusted gross income, eligible compensation and age. The estimate appl Open tool US · Money Savings Goal Calculator Calculate how much to save each month for your goal. Include existing savings, expected APY and optional inflation; compare dates and check your plan for a shortfall. Open tool US · Business SBA Loan Payment and DSCR Calculator Estimate payments and debt-service coverage for a business loan using terms from your lender. Include guarantee or packaging fees, existing debt payments a Open tool US · Work & leave Severance Pay and Tax Calculator Estimate 2026 federal supplemental-wage, Social Security, Medicare, and entered state or local withholding on severance pay. Open tool US · Retirement & pensions Social Security Claiming-Age Break-Even Calculator Compare Social Security retirement benefits at two claiming ages and estimate when cumulative later-claim benefits catch earlier claiming. Open tool US · Retirement & pensions Social Security Earnings Test Calculator Estimate how work earnings could affect Social Security retirement payments before full retirement age, with a separate rule for the year you reach it. Open tool US · Home improvement Solar Panel Savings Calculator Estimate solar production, financing, payback and twenty-five-year savings. Open tool US · Education Student Loan Repayment and Extra-Payment Calculator Estimate fixed student-loan payments, total interest, payoff date and the effect of extra payments across one or multiple loans. Open tool US · Everyday Tip and Split Bill Calculator Calculate an optional tip and split a restaurant bill, keeping sales tax and service charges separate. Compare equal and itemized shares. Open tool US · Retirement & pensions Traditional vs Roth 401(k) Calculator Compare after-tax traditional and Roth 401(k) outcomes, employer match and taxable savings. Open tool US · Investing Treasury Bill Yield Calculator Calculate Treasury bill discount yield, investment yield, annualized equivalent yield and maturity date. Open tool US · Business US Employee Cost Calculator Estimate the true annual cost of an employee, including salary, employer payroll taxes, unemployment, benefits, insurance and configurable overhead. Open tool US · Money US Inflation and Buying Power Calculator Compare the buying power of US dollars between two periods using CPI data. See equivalent dollars, inflation and an optional real-wage comparison. Open tool US · Travel & commuting US Passport Photo Crop and Checklist Prepare a 2 by 2 inch paper-application passport photo crop and review key requirements. Get separate guidance for online renewal photos. Open tool US · Pay & tax US Paycheck Calculator by State Estimate US take-home pay from salary or hourly wages with federal withholding, FICA and the state tax settings supported by the calculator. Review selected benefits and deductions in the result. Open tool US · Business US Sales Tax Calculator — Add, Remove and ZIP Lookup Add or remove sales tax using a confirmed combined jurisdiction rate, with separate product and shipping taxability assumptions. A configured rate provider Open tool US · Housing USDA Loan Calculator Estimate USDA loan payments, upfront guarantee fees, annual fees, taxes and insurance. Open tool US · Shipping USPS Dimensional Weight Calculator Estimate Priority Mail dimensional weight from package size and actual weight. Compare box sizes and understand when volume affects billable weight. Open tool US · Housing VA Loan Calculator with Funding Fee Estimate a VA purchase-loan payment, current funding-fee tier, financed loan balance, housing costs, and minimum upfront cash. Open tool US · Work & leave W-2 Employee vs 1099 Contractor Calculator Compare estimated W-2 and 1099 after-tax value, payroll taxes, expenses, benefits and contractor break-even revenue. Open tool US · Pay & tax W-4 Withholding Adjustment Calculator Estimate a 2026 per-paycheck federal withholding target and possible Form W-4 adjustment. Open tool

Student Attendance Calculator — Check Classes Needed or Safe to Miss Calculate current attendance, classes needed to reach 75% or another target, and classes you may be able to miss while staying above the requirement. Open tool Student CGPA Calculator Pakistan Calculate CGPA from semester GPA and credit hours. View the cumulative formula, semester comparison, worked example and degree-progress estimate. Open tool Student GPA Target Calculator for Your Desired CGPA Calculate the average GPA required in remaining credits to reach a target CGPA. Test realistic scenarios and see when a goal is mathematically unreachable. Open tool Student Marks Needed Calculator for a Target Grade Enter completed marks, remaining assessment weight and a target grade to calculate the score required in your final exam or remaining coursework. Open tool Student Semester GPA Calculator Pakistan Calculate semester GPA from grades, grade points and credit hours. See the weighted GPA formula, a worked example and editable grading settings. Open tool

Admissions COMSATS Merit Calculator 2026 Calculate a weighted admission planning estimate using the displayed inputs. Verify eligibility and current selection rules with official university sources. Open tool Admissions FAST-NUCES Aggregate Calculator 2026 Calculate a weighted admission planning estimate using the displayed inputs. Verify eligibility and current selection rules with official university sources. Open tool Scholarship Need-Based Scholarships in Pakistan: How to Prepare Learn how need-based scholarships are commonly assessed, which financial documents may be requested and how to verify current opportunities in Pakistan. Open tool Admissions NUST Merit Calculator 2026 Estimate your NUST undergraduate NET aggregate using the displayed SSC, HSSC and NET weights. Confirm current programme and route rules with NUST. Open tool Checklist Scholarship Application Document Checklist Create a practical checklist for academic, identity, income, domicile and category documents commonly requested in scholarship applications. Open tool Scholarship Scholarship Eligibility Checker for Pakistani Students Compare your entries with stored scholarship criteria and confirm current requirements with each provider. Open tool Admissions University Admission Merit Calculator Pakistan Calculate a weighted admission planning estimate using the displayed inputs. Verify eligibility and current selection rules with official university sources. Open tool

Study Assignment Deadline Planner for Students Compare remaining assignment work with the time you have before a deadline and adjust your plan. Open tool Study Exam Readiness Calculator and Revision Check Review preparation indicators and identify next study steps. Results are a planning aid, not a grade prediction. Open tool Career Free CV Maker for Pakistan Students and Fresh Graduates Create a clean CV for internships and entry-level jobs. Add education, projects, skills and experience, preview the layout and export a PDF. Open tool Career How to Create an ATS-Friendly CV Make your CV easier to parse with standard headings, selectable text, clear dates and role-relevant wording. Avoid common ATS formatting problems. Open tool Career How to Write a CV as a Fresh Graduate in Pakistan Build a strong fresh-graduate CV using education, projects, internships, volunteering and skills. See section order, examples and common mistakes. Open tool Career How to Write a CV for an Internship Create an internship CV that highlights relevant education, coursework, projects, activities and availability without inventing professional experience. Open tool Study Study Hours Calculator and Exam Timetable Planner Estimate study time from your remaining work and available days, then adjust the plan as you progress. Open tool

Research Academic Reference Formatter Clean messy source information and format it as an academic reference. Open tool Writing Academic Writing Analyzer Check academic prose for formality, repetition, filler, sentence length and style patterns. Open tool Image Background Remover Remove solid-color image backgrounds locally. Open tool Research Bibliography Generator Build, deduplicate, sort and export a complete academic reference list. Open tool Business Brand Name Generator Generate memorable business and product name ideas. Open tool Finance Budget Calculator Plan income, expenses, savings and balance. Open tool Research Citation Checker Compare in-text citations with references and identify consistency problems. Open tool Research Citation Generator Create accurate citations for books, journal articles and websites in APA, MLA, Chicago, Harvard and IEEE styles. Free and private in your browser. Open tool Research Citation Style Converter Parse an existing citation and rebuild it in another academic style. Open tool Image Color Picker from Image Pick and copy exact colors from an uploaded image. Open tool PDF Convert Images to One PDF Arrange JPG, PNG, WebP and supported images, choose page settings and export one PDF. Review quality, size limits and privacy before converting. Open tool Text Duplicate Content Checker Find exact and near-duplicate sentences or paragraphs inside one document. Open tool Writing Essay Outline Generator Plan a thesis, body sections, evidence prompts, transitions and word targets. Open tool Writing Essay Structure Analyzer Review introductions, probable thesis statements, body balance, transitions and conclusions. Open tool PDF Excel to PDF Converter Convert XLSX worksheets to PDF. Open tool Image Favicon Generator Create favicon images in common sizes. Open tool Study Flashcard Maker Build and study reusable flashcard decks. Open tool Utility Free Typing Speed Test Take a timed typing test and review words per minute, characters per minute, accuracy and error details using clearly explained formulas. Open tool Website Free Website SEO Audit Tool Review a webpage’s title, description, headings, canonical, indexability, links, images and selected performance signals with clear limitations. Open tool Image Image Compressor Compress JPG, PNG and WebP images in your browser. Open tool Text Keyword Extractor Extract and rank important words and recurring multi-word concepts from a document. Open tool Writing Lorem Ipsum Generator Generate placeholder words, sentences and paragraphs. Open tool PDF Merge PDF Files into One Document Add PDF files, place them in the correct order and export one combined document. Review file limits, processing method and privacy details. Open tool Developer Number Base Converter Convert binary, octal, decimal and hexadecimal values. Open tool PDF PDF Compressor Compress PDF files locally with lossless optimization or image recompression. Compare original and compressed size before downloading. Open tool PDF PDF Splitter Select pages and ranges, preview them, and create a new PDF locally in your browser. Open tool PDF PDF Text Extractor Extract selectable text from a PDF page by page without sending the file to a server. Open tool Utility QR Code Generator Create downloadable QR codes for text and URLs. Open tool Text Readability Checker Calculate reading ease and grade-level estimates with five established formulas. Open tool Research Research Question Generator Create focused questions for descriptive, comparative, causal and other research designs. Open tool Security Secure Random Password Generator Generate a long random password, choose permitted characters and review an entropy estimate. Learn when to use a password manager and multi-factor authentication. Open tool Text Text Summarizer Create a concise extractive summary using sentence importance and redundancy control. Open tool Writing Thesis Statement Builder Build and evaluate focused thesis statements from your argument and reasons. Open tool Web Website Color Extractor Extract CSS colors from a website or pasted source. Open tool PDF Word to PDF Converter Convert DOCX documents to PDF. Open tool

UK · Family Childcare Cost and Support Planner Plan childcare costs after supported funded hours and Tax-Free Childcare. See uncovered hours, extras and the amount your family may need to pay. Open tool UK · Contractors Contractor Day Rate, Umbrella and IR35 Take-Home Pay Calculator Estimate contractor take-home pay from a day rate under umbrella or inside-IR35 payroll. Compare fees, employment costs, pension and taxable gross pay. Open tool UK · Housing Council Tax Discount and Instalment Planner Estimate a council tax bill after a confirmed discount and plan remaining instalments. Supports England and Wales with your council's annual charge. Open tool UK · Housing Energy Tariff Cost Comparison Compare energy tariffs using your consumption, unit rates and standing charges. Include switching fees and see estimated costs on the same usage basis. Open tool UK · Renting England Tenancy Deposit Cap Calculator Check the tenancy and holding-deposit caps for supported England tenancies. Convert rent correctly and compare a requested deposit with the calculated cap. Open tool UK · Work & leave Holiday Entitlement Calculator Calculate holiday entitlement for supported Great Britain work patterns, including part-time and irregular hours. Separate statutory and contractual leave. Open tool UK · Savings ISA Allowance and Savings Planner Track ISA subscriptions and estimate remaining allowance for the tax year. Separate transfers, Lifetime ISA limits and eligible flexible replacements. Open tool UK · Family Maternity Pay Timeline Planner Plan a maternity-pay timeline with statutory pay and confirmed employer top-ups. See gross pay by period and where household income may change. Open tool UK · Retirement & pensions Pension Salary Sacrifice Comparison Compare pension salary sacrifice, net pay and relief-at-source contributions. See estimated take-home impact and pension funding using the selected tax year. Open tool UK · Travel & commuting Rail Season Ticket Break-Even Calculator Compare daily rail tickets, seasons and supported Flexi tickets using your actual travel dates. See break-even days and unused ticket coverage. Open tool UK · Savings Savings Interest Tax Calculator Estimate tax on savings interest, including your share of joint accounts and available allowances. Keep ISA interest separate from taxable savings. Open tool UK · Housing Stamp Duty, LBTT and LTT Calculator Calculate residential property tax for England and Northern Ireland, Scotland or Wales. Supports first-time buyers, additional homes and non-residents. Open tool UK · Work & leave Statutory Redundancy Pay Calculator Estimate statutory redundancy pay from age, complete years of service and weekly pay. Uses 2026 Great Britain caps with a separate Northern Ireland mode. Open tool UK · Business UK Employer Cost Calculator 2026/27 Estimate the total cost of employing someone in the UK, including salary, employer National Insurance, workplace pension, benefits and overhead. Open tool UK · Housing UK Mortgage Overpayment Calculator See how monthly or lump-sum mortgage overpayments could reduce interest and shorten the term. Includes early-repayment-charge and allowance warnings. Open tool UK · Housing UK Mortgage Payment and Affordability Calculator Estimate UK mortgage repayments, interest and affordability for repayment or interest-only loans. Model deposit, fees, rate changes and term. Open tool UK · Pay & tax UK Self-Employed Tax and National Insurance Calculator 2026/27 Estimate 2026/27 sole-trader Income Tax and Class 4 National Insurance from turnover, allowable expenses and other income. See a monthly reserve target. Open tool UK · Education UK Student Loan Repayment Calculator 2026/27 Estimate 2026/27 payroll deductions for Student Loan Plans 1, 2, 4 or 5 and Postgraduate Loans. Compare salary, bonus and pay frequency. Open tool UK · Pay & tax UK Take-Home Pay Calculator 2026/27 Estimate UK take-home pay for 2026/27 after Income Tax, National Insurance, pension and student-loan deductions. Supports Scottish tax and bonuses. Open tool UK · Business UK VAT Add, Remove and Flat-Rate Calculator Add or remove UK VAT at 20%, 5% or 0%, calculate net, VAT and gross totals, and model the Flat Rate Scheme with a selectable business rate. Open tool

Canada · Family Canada Child Benefit Estimator Estimate Canada Child Benefit for a supported benefit period. See how family income, children's ages and eligible months affect a monthly planning estimate. Open tool Canada · Housing Canadian Mortgage and Stress Test Calculator Estimate Canadian mortgage payments and a supported stress-test scenario. Compare contract and qualifying rates, debt ratios and balance at renewal. Open tool Canada · Pay & tax Canadian Take-Home Pay Calculator Estimate regular Canadian take-home pay for supported provinces and territories. See income tax, CPP, CPP2 and EI with the applicable payroll rules. Open tool Canada · Work & leave EI Regular Benefit Planning Calculator Estimate a basic EI regular-benefit amount from supported earnings information. Separate the weekly estimate from eligibility, duration and tax withholding. Open tool Canada · Housing FHSA Room and Deduction Planner Plan FHSA contributions, RRSP transfers and deductions. Track remaining participation room separately from the amount that may qualify for a tax deduction. Open tool Canada · Tax GST HST and PST Calculator Add or remove Canadian sales tax for a supported province and date. See separate GST, HST, PST or QST amounts and clearly stated taxability assumptions. Open tool Canada · Housing Ontario and Toronto Land Transfer Tax Calculator Estimate Ontario and Toronto land transfer taxes with separate provincial, municipal and eligible rebate amounts. Check the supported property and buyer rules. Open tool Canada · Education RESP and CESG Contribution Planner Plan RESP contributions and estimate supported basic CESG amounts. Track annual and lifetime grant room separately from your assumed investment growth. Open tool Canada · Retirement & pensions RRSP Deduction Tax Savings Calculator Estimate the tax reduction from an RRSP deduction using your income, province and confirmed deduction limit. Compare claiming now with a later scenario. Open tool Canada · Savings TFSA Contribution Room Tracker Track TFSA contribution room using your confirmed starting balance and current-year activity. Keep withdrawals, direct transfers and next-year room separate. Open tool

Australia · Retirement & pensions Age Pension Income and Assets Test Estimator Estimate a supported Australian Age Pension scenario using separate income and assets tests. See which test limits the result and what remains excluded. Open tool Australia · Work & leave Annual Leave and Public Holiday Planner Plan annual-leave balances for supported Australian employees. Use ordinary hours, your roster and regional public holidays to estimate leave required. Open tool Australia · Business Australian GST Calculator Add or remove Australian GST and break a total into net price and tax. Calculate supported invoice lines with clearly selected supply categories. Open tool Australia · Pay & tax Australian Take-Home Pay and HELP Calculator Estimate Australian take-home pay with supported tax, Medicare and HELP deductions. Choose the financial year and distinguish salary from a package including super. Open tool Australia · Family Child Care Subsidy Cost Calculator Estimate childcare out-of-pocket costs under supported CCS rules. Include hourly caps, approved hours, session charges and subsidy withholding. Open tool Australia · Energy Electricity Plan Cost Comparison Compare electricity offers using your supply charge, usage periods and solar exports. See estimated costs on the same consumption and billing period. Open tool Australia · Housing Mortgage Offset vs Extra Repayment Calculator Compare a mortgage offset account with extra repayments using the same cash. See interest, fees, loan balance and access-to-cash differences. Open tool Australia · Energy Solar Battery Payback Calculator Compare an Australian solar battery's cost with estimated bill savings. Include usable capacity, efficiency, lost feed-in credits and your electricity tariff. Open tool Australia · Retirement & pensions Super Contribution and Salary Sacrifice Planner Compare super contribution scenarios and their take-home impact. Track employer and personal contributions against supported caps and show contribution tax separately. Open tool Australia · Housing Victoria Stamp Duty Calculator Estimate Victorian land transfer duty for supported purchases. Check the contract date, property value and confirmed concession conditions before comparing costs. Open tool

UAE · Money AED Remittance Quote Comparison Compare remittance quotes from the UAE by the amount the recipient gets. Include exchange rates, transfer fees and known receiving charges. Open tool UAE · Housing Dubai DEWA Bill Estimator Estimate supported Dubai electricity and water bill components. See slab charges, entered fuel surcharges and separate housing or service amounts. Open tool UAE · Housing Dubai Property Purchase Cash Calculator Estimate cash needed for a supported Dubai property purchase. Separate down payment, buyer-paid fees, mortgage registration and deposits already paid. Open tool UAE · Renting Dubai Rent Increase and Renewal Checker Compare proposed Dubai rent with the permitted increase from your DLD result. Plan renewal payments and see the annual and monthly-equivalent change. Open tool UAE · Travel & commuting Dubai Toll and Parking Commute Calculator Estimate Dubai commuting costs from toll crossings, parking and travel days. Compare supported time bands or use confirmed manual rates for your route. Open tool UAE · Loans Flat vs Reducing Loan Rate Calculator Compare flat and reducing loan quotes using payments, fees and total cost. Estimate an effective annual cost from the actual cash-flow assumptions. Open tool UAE · Work & leave UAE End-of-Service Gratuity Calculator Estimate end-of-service gratuity for supported UAE federal private-sector employment. Use basic salary and eligible service with a clear calculation breakdown. Open tool UAE · Household budgets UAE Household Budget and Relocation Planner Build a UAE household budget from your own quotes. Plan rent cheques, school fees, deposits and monthly spending with a dated cash-flow view. Open tool UAE · Work & leave UAE Unused Annual Leave Settlement Calculator Estimate compensation for confirmed unused leave in supported UAE federal private-sector employment. Keep the result separate from gratuity and other final pay. Open tool UAE · Business UAE VAT Calculator Add or remove UAE VAT for a supported transaction. See net value, VAT and gross total in AED, with separate standard, zero-rated and exempt labels. Open tool

Norway · Bedrift Arbeidsgiverkostnad-kalkulator Beregn hva en ansatt koster med lønn, feriepenger, arbeidsgiveravgift, pensjon, forsikring og utstyr. Støtter avgiftssoner. Open tool Norway · Bolig Boliglånskalkulator Beregn terminbeløp, renter, avdrag og nedbetalingsplan for boliglån. Sammenlign annuitetslån, serielån, ekstra innbetaling og renteøkning. Open tool Norway · Lonn og skatt Feriepengekalkulator 2026 Beregn feriepenger med 10,2 %, 12 %, 12,5 % eller 14,3 %. Se feriepengegrunnlag, alderstillegg og forklaring av utbetaling. Open tool Norway · Elbil Hva koster det å lade elbil? Beregn hva det koster å lade elbil hjemme eller offentlig. Bruk kjørelengde, kWh per 100 km, ladetap og strømpris for kostnad per år og km. Open tool Norway · Bolig Hvor mye kan jeg låne til bolig? Beregn en veiledende låneramme fra inntekt, eksisterende gjeld, egenkapital og stresstest. Bruker hovedkravene i utlånsforskriften. Open tool Norway · Lonn og skatt Lønn etter skatt-kalkulator 2026 Beregn estimert nettolønn i Norge for 2026. Se skatt på alminnelig inntekt, trinnskatt, trygdeavgift, fradrag og utbetaling per måned. Open tool Norway · Bedrift MVA-kalkulator Legg til eller trekk fra norsk MVA med 25 %, 15 % eller 12 %. Beregn netto, MVA og brutto og eksporter en tydelig linjeoversikt. Open tool Norway · Strom Norgespris vs spotpris-kalkulator 2026 Sammenlign Norgespris med spotpris fra eget forbruk og prisområde. Vis energikostnad, strømstøtte, påslag, avgifter og nettleie separat. Open tool Norway · Lonn og skatt Overtidskalkulator Beregn overtidsbetaling med minst 40 % tillegg eller høyere avtalt sats. Støtter timelønn, månedslønn, avspasering og flere perioder. Open tool Norway · Lonn og skatt PAYE vs ordinære skatteregler i Norge 2026 Sammenlign 25 % PAYE for utenlandske arbeidstakere med et estimat etter ordinære norske skatteregler. Vis nettolønn, fradrag og forskjell. Open tool