Do the sum before anyone tells you the answer.
Each tool does one piece of money arithmetic with your own numbers and shows the working. Free, instant, honest about its assumptions, and it never asks who you are.
- No signup
- Nothing tracked
- Numbers stay on your screen
- Sources named on every page
Gross is not your salary. Here is where it goes.
Type your gross salary and see every deduction by name, pension, health, unemployment and income tax, and what actually lands. 30 countries, 2026 rules.
- You type
- Your country and the gross on your contract
- You get
- Every deduction by name, and what lands
How much of your pay does rent take?
- You type
- Your rent and your net pay
- You get
- The share, against the 30% rule and the 40% line
When are you debt-free?
- You type
- What you owe, what you pay, the rate
- You get
- The month you are done, and what interest costs
What does a monthly habit become?
- You type
- What you have, what you add, a rate, the years
- You get
- The future value, split into your money and growth
What do your subscriptions really cost?
- You type
- What renews by itself each month
- You get
- The year, the five years, and the alternative
Half of what your car costs, it costs while it is parked.
- You type
- Price, years, kilometres, fuel, insurance
- You get
- The real monthly cost, and the share with the engine off
€60 an hour on the invoice is €28 in your pocket.
Rate, billable hours, costs, health insurance, pension and tax in; what you keep per month and per hour worked, and the rate you need for the pay you want.
- You type
- Your rate, billable hours, costs, contributions
- You get
- What stays per hour and per month, and the rate you need
Why these are free
Every tool here does the arithmetic behind one of our short lessons on money. The lesson gives you the rule; the tool lets you run it on your own numbers, with the sources named and the assumptions on the screen. Nothing on these pages sells anything.
Notice a number that looks wrong for your country? Tell us, and it gets checked against the published rules.