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52 free money tools
Calculators and country-by-country data for saving, borrowing, investing, tax, pay and retirement. Every tool sits inside a full guide that explains the numbers and links to official sources.
41calculators
11data tables
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New this month
EV vs petrol cost calculator
Yearly fuel cost of an electric car and a petrol car with your prices.
Debt consolidation calculator
Whether a consolidation loan saves money, and your break-even rate.
Life insurance calculator
How much cover you need and a typical monthly premium.
Mortgage rates by country
Home loan rates in 32 countries and the payment per 100,000.
Saving and Emergencies
7 tools
Calculator
Emergency fund calculator
How many months of essential costs to keep, and how long it takes to save.
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Calculator
Cash switch calculator
What moving savings to a higher-paying account or T-bills earns after tax and inflation.
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Checker
Deposit protection checker
How much of your money is covered if a bank or fintech app fails, by country.
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Checker
Insurance renewal checker
Whether your renewal is fair, what switching saves, and if a higher excess pays off.
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Checklist
Digital legacy checklist
Make sure your family can reach your accounts, money and crypto.
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CalculatorNew
EV vs petrol cost calculator
Yearly fuel cost of an electric car and a petrol car with your prices.
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CalculatorNew
Life insurance calculator
How much cover you need and a typical monthly premium.
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Borrowing and Debt
9 tools
Calculator
Loan EMI and prepayment calculator
Monthly payment, total interest, and how much prepaying saves.
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Calculator
Credit card payoff calculator
How long your card debt will take to clear, and the interest you'll pay.
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Planner
Debt payoff planner
Avalanche or snowball: the fastest, cheapest order to repay several debts.
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Checker
Credit card utilisation checker
Your utilisation, and what to pay before the statement date to lift your score.
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Calculator
Rate rise calculator
What a change in interest rates costs your loans or earns your savings.
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Calculator
Car affordability calculator
What car you can afford, the monthly payment and total interest.
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Calculator
Rent vs buy calculator
Whether renting or buying leaves you richer, and the break-even year.
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Comparison
Prepay or invest comparison
Pay off your home loan early or invest the money instead.
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CalculatorNew
Debt consolidation calculator
Whether a consolidation loan saves money, and your break-even rate.
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Investing and Retirement
10 tools
Calculator
SIP and investment growth calculator
What regular monthly investing could grow to, with step-ups.
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Calculator
Lump sum vs SIP calculator
Invest all at once or monthly: compare the outcomes.
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Calculator
FIRE calculator
How much you need to retire early, and when you could get there.
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Calculator
401(k) growth calculator
How your 401(k) could grow with employer matching.
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Calculator
Annuity calculator
The income a lump sum can buy for life.
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Calculator
Lump sum or monthly pension calculator
Payout rate, break-even age and how long a lump sum would last.
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Tool
Cash out or keep your pension
What cashing out before a move abroad really costs.
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Calculator
Bond yield impact calculator
What a 10-year Treasury yield above 5% means for your bonds and mortgage.
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Calculator
Gold allocation calculator
How a gold holding changes your portfolio in a crisis and a calm year.
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Calculator
IPO allocation calculator
What you're likely to receive in an oversubscribed IPO, and the real gain.
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Economy and Prices
5 tools
Calculator
Inflation calculator
What money from one year is worth in another.
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Calculator
Price rise calculator
Whether your income has kept up with prices since 2021.
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Calculator
GDP calculator
Build a country's GDP from spending, and see per-person figures.
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Converter
Currency converter
Convert between major currencies.
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Calculator
Prediction market calculator
What a contract costs, pays and implies about the odds.
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Crypto
3 tools
Calculator
Bitcoin risk calculator
What a Bitcoin holding could do to your portfolio in a crash.
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Tool
Crypto swap tax estimator
The tax a crypto-to-crypto swap can trigger in your country.
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Tool
Stablecoin rewards vs savings
Compare stablecoin rewards with an insured savings account.
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Career and Pay
4 tools
Calculator
Real raise calculator
Your raise after inflation, and the raise you'd need to keep up.
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Tool
AI exposure check
How exposed your job is to AI, and the skills that protect it.
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Builder
Career gap answer builder
A short, honest first draft to explain a layoff or gap in an interview.
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Planner
Eisenhower priority matrix
Sort your tasks into do, schedule, delegate and drop.
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Health and Habits
3 tools
Calculator
Sleep cycle calculator
The best times to go to bed or wake up, in 90-minute cycles.
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Tracker
Habit tracker
Track a new habit day by day in your browser.
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Calculator
BMI calculator
Body mass index and what it does and doesn't tell you.
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Data Tables by Country
11 tables
Data tableNew
Deposit insurance limits by country
How much of your money 30 countries and the EU protect if a bank fails, in local currency and dollars.
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Data tableNew
Petrol price rises by country
Pump prices before the Iran war and now in 35 countries, with the peak.
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Data tableNew
Retirement age by country
State pension ages in 39 countries, the earliest claim age and changes in law.
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Data tableNew
Salary increase forecasts 2027
Planned raises in 29 countries from six employer surveys, compared with inflation.
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Data tableNew
Minimum wage by country
Minimum wages in 41 countries in local currency and dollars.
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Data tableNew
Take-home pay by country
How much of your salary you keep in 38 countries.
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Data tableNew
Mortgage rates by country
Home loan rates in 32 countries and the payment per 100,000.
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Data tableNew
Electricity prices by country
What households pay per kWh in 34 countries.
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Data tableNew
State pensions by country
How much of pay pensions replace in 52 countries.
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Data tableNew
Inheritance tax by country
Rates and tax-free amounts in 28 countries.
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Data tableNew
Retiring abroad on $2,000 a month
Visa income rules and living costs in 15 destinations.
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About these tools
Transparent formulasEach calculator uses the method explained in its guide and shows its assumptions.
Private by designNothing you type is stored or sent; the tools run entirely in your browser.
Checked sourcesFigures come from central banks, statistics offices and tax authorities, linked in every guide.
For education and planning, not personal advice: real results depend on your circumstances and the rules where you live. See our editorial policy for how we build and check them, and tell us through our contact page if you would like a calculator we don't have yet.