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Salary, allowances, taxes, fees and travel costs. Choose a country for dated rules, or use a planning tool with your own rates.

More international scenarios

New Zealand GST, India invoice allocation, Pakistan withholding quote comparisons and Japan consumption tax. Rates that depend on transaction classification or local law require your confirmed inputs; example rates do not establish eligibility.

United States

2026 federal ordinary-income brackets on taxable income before credits; separate employee FICA withholding and base standard deductions. State/local income taxes are excluded.

United Kingdom

2026–27 employment income tax for England, Wales, Northern Ireland and Scotland; personal allowance taper, annual NI and a simple salary-after-tax estimate. Annual NI is an approximation, not a PAYE payslip calculation.

Canada

2026 federal tax before all credits and provincial income tax. A separate standard sales-tax tool covers GST/HST and PST/QST across all 13 provinces and territories.

Australia

2026–27 full-year resident income-tax brackets with the full tax-free threshold. Tax offsets, Medicare levy, HELP debts and superannuation are excluded.

European countries

Income-tax tools have narrow scopes for Germany, France, Ireland and the Netherlands. Standard VAT rates cover all 27 EU members, including Spain, Italy, Portugal and the Nordic EU countries; special territories and reduced rates are excluded.

Country sources checked 2026-10-17. Review due 2027-01-01. Each tool states its supported year, currency and exclusions. Read detailed regional coverage ↗

Accounting and financial analysis

Understand liquidity, inventory costs, depreciation, profitability and overhead allocation using your own figures.

Accounting

Current ratio

Current ratio: Current ratio = current assets / current liabilities at the same balance-sheet date.

Accounting

Quick ratio

Quick ratio: Quick ratio = (cash + marketable securities + net receivables) / current liabilities.

Accounting

Cash ratio

Cash ratio: Cash ratio = (cash equivalents + readily marketable securities) / current liabilities.

Accounting

Return on average assets

Return on average assets: ROA = net income / average of opening and closing total assets × 100.

Accounting

Return on average equity

Return on average equity: ROE = net income / average opening and closing equity × 100.

Accounting

Return on capital employed

Return on capital employed: ROCE = EBIT / (total assets − current liabilities) × 100, using the selected balance-sheet date.

Accounting

Interest coverage ratio

Interest coverage ratio: Interest coverage = EBIT / interest expense, expressed as times covered.

Accounting

DuPont three-factor ROE

DuPont three-factor ROE: DuPont ROE = net profit margin × asset turnover × equity multiplier.

Accounting

FIFO inventory issue cost

FIFO inventory issue cost: Issue units from the oldest purchase layer first; sum issued units × layer cost, retaining unissued layers in closing inventory.

Accounting

Units-of-production depreciation

Units-of-production depreciation: Period depreciation = (cost − residual value) × period output / estimated lifetime output.

Accounting

Sum-of-years-digits depreciation

Sum-of-years-digits depreciation: Depreciation for year y = (cost−residual) × (life−y+1) / [life(life+1)/2].

Accounting

Margin of safety in sales

Margin of safety in sales: Margin of safety = actual sales − break-even sales; divide by actual sales for the percentage.

Accounting

Degree of operating leverage

Degree of operating leverage: Operating leverage = contribution margin / operating profit = (sales−variable costs)/(sales−variable costs−fixed costs).

Accounting

Absorption manufacturing unit cost

Absorption manufacturing unit cost: Absorption unit cost = direct material + direct labour + variable manufacturing overhead + allocated fixed manufacturing overhead per unit.

Salary, pay and allowances

Convert salary, compare overtime, plan part-time pay and work out leave, mileage or daily allowances from your contract.

Pay & allowances

Annual leave accrual planner

Estimate accrued and remaining leave days from the annual entitlement and accrual period in your contract.

Pay & allowances

Bonus after entered deductions

Plan the net amount from a bonus using a combined deduction percentage and fixed deductions you enter.

Pay & allowances

Mileage reimbursement with tiers

Calculate a tiered mileage allowance while accounting for distance already claimed in the current policy year.

Pay & allowances

Net pay from payslip deductions

Reconcile take-home pay from your gross payslip, entered tax, pension, social deductions and reimbursements.

Pay & allowances

Overtime and regular pay

Calculate regular pay, overtime pay and total gross earnings using the multiplier in your employment policy.

Pay & allowances

Total employee cost to employer

Budget salary plus employer payroll contributions, pension and fixed benefits using your entered rates.

Pay & allowances

Travel per diem allowance

Total full-day and partial-day business travel allowances, with meal deductions from your travel policy.

Pay & allowances

Unused holiday pay estimate

Estimate the gross value of payable unused holiday days using the eligible daily pay supplied by your employer.

Pay & allowances

End-of-service gratuity accrual planner

End-of-service gratuity accrual planner: Accrue basic salary/30 × days per year for each service tier, then apply the entered salary-month cap if positive.

Pay & allowances

Salary sacrifice marginal net cost

Salary sacrifice marginal net cost: Approximate take-home reduction = gross sacrifice × (1−marginal income-tax saving−employee social-contribution saving).

Tax planning and purchase costs

Country tax tools above use dated rules. General planners use the rates or final tax figures you enter.

Taxes & fees

Freelance tax set-aside planner

Plan a tax reserve and remaining cash from freelance revenue after entered expenses, using your chosen reserve rate.

Taxes & fees

Import duty and VAT budget

Plan a landed import cost using goods, shipping, your quoted customs duty, import tax and handling charge.

Taxes & fees

Tax refund or balance owing

Compare tax already paid with your estimated final liability to see a possible refund or remaining balance.

Taxes & fees

England and Northern Ireland standard SDLT

England and Northern Ireland standard SDLT: Apply standard residential SDLT bands: 0% to £125,000; 2% to £250,000; 5% to £925,000; 10% to £1.5m; 12% above.

Taxes & fees

Scotland standard residential LBTT

Scotland standard residential LBTT: Apply Scottish standard residential LBTT marginal bands: 0% to £145,000; 2% to £250,000; 5% to £325,000; 10% to £750,000; 12% above.

Taxes & fees

Wales main residential Land Transaction Tax

Wales main residential Land Transaction Tax: Apply Welsh main residential LTT marginal bands: 0% to £225,000; 6% to £400,000; 7.5% to £750,000; 10% to £1.5m; 12% above.

Taxes & fees

New Zealand GST output and input balance

New Zealand GST output and input balance: For standard 15% inclusive amounts, output GST = sales × 3/23 and input GST = claimable purchases × 3/23.

Taxes & fees

Japan mixed-rate consumption tax basket

Japan mixed-rate consumption tax basket: Standard consumption tax including local component is 10%; qualifying reduced-rate net supplies use 8%.

Taxes & fees

Switzerland three-rate VAT basket

Switzerland three-rate VAT basket: Sum standard supplies × 8.1%, reduced supplies × 2.6% and qualifying accommodation × 3.8%.

Taxes & fees

US state and local sales tax stack

US state and local sales tax stack: For additive rates on the same taxable base, total sales tax = purchase × (state + county + city + district rates).

Taxes & fees

Custom country or state progressive tax worksheet

Custom country or state progressive tax worksheet: Apply each supplied marginal rate only to the income slice between consecutive cumulative upper bounds, then sum all band taxes.

Taxes & fees

Germany church tax on assessed tax

Germany church tax on assessed tax: Multiply the independently determined church-tax assessment base by the confirmed 8% or 9% rate.

Fees and business costs

Compare payment quotes and budget the cost of collecting a payment.

Business & selling

Business cash runway

Estimate how many months your business cash lasts at a constant monthly net burn rate.

Business & selling

Cash conversion cycle

Cash conversion cycle: enter your own figures, see the result and calculation method, and check the model’s assumptions.

Business & selling

Compare two payment fee quotes

Compare two payment-processing quotes with percentage and fixed charges, showing fees and the cheaper option.

Business & selling

Customer acquisition cost (CAC)

Calculate acquisition cost per new customer from the sales and marketing spending for a consistent period.

Business & selling

Ecommerce contribution per order

Ecommerce contribution per order: Expected contribution = revenue × (1−refund share) − goods − fulfillment − payment fees − refund share × additional loss − advertising cost.

Business & selling

Economic order quantity (EOQ)

Economic order quantity (EOQ): enter your own figures, see the result and calculation method, and check the model’s assumptions.

Business & selling

Inventory reorder point

Inventory reorder point: Reorder point = mean daily demand × replenishment lead time + safety stock; round upward to a whole unit.

Business & selling

Invoice aging report

Invoice aging report: Compare each due date with the as-of date.

Business & selling

Invoice payment due date

Invoice payment due date: Add the entered number of calendar days, treating the invoice date as day zero.

Business & selling

Mixed-rate sales tax basket

Mixed-rate sales tax basket: For each line calculate net × quantity, round its tax to cents, then sum line net, tax and gross amounts.

Business & selling

Monthly sales growth scenario

Monthly sales growth scenario: Month one uses the starting units; each later month multiplies the previous units by (1+growth).

Business & selling

Reconcile two ledgers by reference

Reconcile two ledgers by reference: Aggregate signed amounts by exact reference on each side; list each reference with its two totals and difference.

Business & selling

Safety stock with fixed lead time

Safety stock with fixed lead time: Safety stock = z × daily demand standard deviation × √lead-time days, rounded upward.

Business & selling

Sales-mix break-even batches

Sales-mix break-even batches: Contribution per mix batch = Σ mix quantity × (selling price − variable cost).

Business & selling

Weighted supplier scorecard

Weighted supplier scorecard: Require a weight for every score column and a total weight of 100%.

Business & selling

Working capital and current ratio

Working capital and current ratio: enter your own figures, see the result and calculation method, and check the model’s assumptions.

Visa and travel budgets

Plan trip spending, application costs, tourist taxes, card conversion and international transfers. Visa fees and exchange rates are entered quotes.

Travel & transport

Foreign card and ATM cost

Estimate a foreign purchase or ATM withdrawal cost after conversion, percentage markup and a fixed fee.

Travel & transport

Holiday and travel budget

Build a trip budget with flights, rooms, daily spending, visa or insurance extras and a contingency allowance.

Travel & transport

Hotel and tourist tax budget

Estimate local visitor or hotel taxes using a quoted per-person nightly fee or an accommodation tax percentage.

Travel & transport

Visa application fee budget

Budget adult and child visa fees, service charges and document costs for the US, UK, Canada, Australia or Europe.

Your wider financial picture

Plan housing costs, debt ratios, emergency savings, subscriptions and the long-term effect of investment fees.

Money & borrowing

Balloon loan payment and schedule

Balloon loan payment and schedule: Regular payment = [principal − balloon/(1+r)^n] × r/[1−(1+r)^−n]; at zero rate use (principal−balloon)/n.

Money & borrowing

Bond yield to maturity solver

Bond yield to maturity solver: Solve the discounted coupon-plus-face-value equation by bisection over a nominal annual yield from −90% to 1,000%.

Money & borrowing

Compare three investment return scenarios

Compare three investment return scenarios: For each entered nominal annual return, apply rate/12 monthly before adding the end-of-month contribution.

Money & borrowing

Compare two loan offers

Compare two loan offers: Amortize both offers with rounded monthly interest and a final balance adjustment; compare all payments plus upfront fees.

Money & borrowing

Credit card balance transfer comparison

Credit card balance transfer comparison: Compare monthly rounded-interest payoff under the original rate with a transferred balance including the percentage fee, promo months and a later rate.

Money & borrowing

Credit card payoff time

Estimate the time and interest needed to clear a credit card with fixed monthly repayments and no new spending.

Money & borrowing

Credit utilization ratio

Calculate the share of available revolving credit currently used by your entered balances.

Money & borrowing

Debt snowball vs avalanche comparison

Debt snowball vs avalanche comparison: Add monthly rounded interest, pay fixed minimums, then allocate all remaining budget to the smallest remaining balance (snowball) or highest rate (avalanche).

Money & borrowing

Debt-to-income ratio

Calculate the percentage of your gross monthly income used by required monthly debt payments.

Money & borrowing

Discounted payback period

Discounted payback period: enter your own figures, see the result and calculation method, and check the model’s assumptions.

Money & borrowing

Dividend income and yield planner

Dividend income and yield planner: Annual gross dividend = shares × dividend per payment × payments per year.

Money & borrowing

Equivalent annual cost (EAC)

Equivalent annual cost (EAC): enter your own figures, see the result and calculation method, and check the model’s assumptions.

Money & borrowing

Extra loan payment savings

Compare payoff time and interest with and without an additional monthly loan payment.

Money & borrowing

Fixed-coupon bond price

Value a fixed-coupon bond by discounting its remaining coupons and maturity payment at an entered yield.

Money & borrowing

How long will savings last?

Estimate how many month-end withdrawals savings can support under a fixed return and withdrawal amount.

Money & borrowing

Inflation and purchasing power

Compare a future price with the purchasing power of a fixed amount under an assumed annual inflation rate.

Money & borrowing

Internal rate of return (IRR)

Internal rate of return (IRR): enter your own figures, see the result and calculation method, and check the model’s assumptions.

Money & borrowing

Investment annual fee impact

Compare projected investment balances with and without a recurring annual asset-based fee under fixed growth assumptions.

Money & borrowing

Loan amortization schedule

See a monthly loan amortization schedule and download principal, interest and balance as a CSV file.

Money & borrowing

Loan recast payment after a lump sum

Loan recast payment after a lump sum: Subtract the lump sum from principal and recalculate the fixed payment over the entered remaining term at the same rate.

Money & borrowing

Modified Dietz investment return

Modified Dietz investment return: Return = (ending − starting − net external flows)/(starting + Σ flow × remaining-days/period-days).

Money & borrowing

Modified internal rate of return (MIRR)

Modified internal rate of return (MIRR): enter your own figures, see the result and calculation method, and check the model’s assumptions.

Money & borrowing

Net present value (NPV)

Discount future net cash flows and subtract the initial outlay to estimate a project’s net present value.

Money & borrowing

One-time loan overpayment schedule

One-time loan overpayment schedule: Calculate the normal fixed payment, then apply one extra principal payment after the regular payment in the chosen month.

Money & borrowing

Present value of an annuity

Present value of an annuity: enter your own figures, see the result and calculation method, and check the model’s assumptions.

Money & borrowing

Profitability index

Profitability index: enter your own figures, see the result and calculation method, and check the model’s assumptions.

Money & borrowing

Real return after inflation

Adjust a nominal return for inflation over the same period to estimate the change in purchasing power.

Money & borrowing

Refinance fee break-even

Refinance fee break-even: New payment uses the fixed-rate annuity formula.

Money & borrowing

Rental cash-on-cash return

Rental cash-on-cash return: Annual cash flow = collected rent − operating costs − financing payments.

Money & borrowing

Rental property capitalization rate

Rental property capitalization rate: enter your own figures, see the result and calculation method, and check the model’s assumptions.

Money & borrowing

Savings with monthly contributions

Project a savings balance from an initial deposit and recurring monthly contributions, with interest and timing shown.

Money & borrowing

Time-weighted investment return

Time-weighted investment return: Compute each subperiod return as end/start −1 and geometrically link the factors.

Money & borrowing

Tip and split the bill

Calculate a tip and split the final bill equally, with a cent allocation that adds up to the total.

Money & borrowing

Year-by-year variable-return drawdown

Year-by-year variable-return drawdown: For each entered year apply its return to the current balance, then take the entered year-end withdrawal.

Money & borrowing

Rule of 72 comparison

Rule of 72 comparison: Approximate doubling years = 72 / annual percentage growth rate.

Money & borrowing

Level perpetuity present value

Level perpetuity present value: Present value of end-of-period level payments continuing forever = payment / discount rate.

Money & borrowing

Annuity due present value

Annuity due present value: Annuity-due present value = payment × [1−(1+r)^−n]/r × (1+r).

Money & borrowing

Periods to reach a savings goal

Periods to reach a savings goal: Solve target = start(1+r)^n + deposit[(1+r)^n−1]/r and round up to the next whole deposit period.

Money & borrowing

Education cost inflation target

Education cost inflation target: Inflate each annual education payment separately from today, then sum the nominal payments across the study years.

Money & borrowing

Retirement income gap

Retirement income gap: Monthly income gap = max(0, desired spending − pension income − other income).

Money & borrowing

Fund switch fee break-even

Fund switch fee break-even: Approximate break-even years = switching cost / annual fee savings on an unchanged balance.

Money & borrowing

Holding-period return after costs

Holding-period return after costs: Holding-period return = (sale proceeds + income − costs − initial investment) / initial investment × 100.

Money & borrowing

Bond Macaulay duration

Bond Macaulay duration: Discount each payment at yield/frequency.

Money & borrowing

Bond modified duration price sensitivity

Bond modified duration price sensitivity: Modified duration = Macaulay duration / (1 + nominal yield/frequency), approximating fractional price sensitivity to yield.

Money & borrowing

Gordon dividend growth valuation

Gordon dividend growth valuation: Model value = last dividend × (1+growth) / (required return − growth), with required return greater than growth.

Money & borrowing

Preferred share current yield

Preferred share current yield: Current yield = annual preferred dividend / current price × 100.

Money & borrowing

Theoretical ex-rights price

Theoretical ex-rights price: TERP = (existing share count × old price + new share count × subscription price) / total share count.

Money & borrowing

Weighted average cost of capital

Weighted average cost of capital: WACC = equity weight × cost of equity + debt weight × cost of debt × (1−tax rate).

Money & borrowing

Debt service coverage ratio

Debt service coverage ratio: Debt service coverage ratio = annual net operating income / annual debt service for the same period.

Money & borrowing

Remaining loan term from payment

Remaining loan term from payment: Remaining months = −ln(1−monthly rate × balance/payment)/ln(1+monthly rate), rounded up; zero rate uses balance/payment.

Money & borrowing

Canadian mortgage semiannual compounding

Canadian mortgage semiannual compounding: Convert semiannual nominal rate j to monthly rate (1+j/2)^(1/6)−1, then apply the standard monthly amortising-payment formula.

Before entering a number

Taxable income is usually different from gross salary. A federal or before-credits estimate is only one part of a final tax bill. Use the scope shown above each country-specific calculator.

Generic pay and allowance tools use the schedule, rates and policy you supply. Visa budgets use current fee quotes from the official links on the tool page; choosing a destination does not decide your visa eligibility or set the fees.

All calculations run in your browser. No account is required, and financial inputs are not added to analytics or saved history.

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