Mortgage points break-even scenario
Compare the upfront price of discount points with the monthly payment reduction on an otherwise identical fixed-rate loan.
Regional scenarios
Browse practical tools, sky models and country-specific scenarios. Each tool explains its method and limitations.
How it works
Compare the upfront price of discount points with the monthly payment reduction on an otherwise identical fixed-rate loan. Separate base rent from operating-cost advances and estimate a settlement using the actual allocated costs shown on your statement.
Select a country independently of the interface language. Rates and fees are supplied by you unless an official dated source is explicitly stated.
Warm rent and annual settlement
Separate base rent from operating-cost advances and estimate a settlement using the actual allocated costs shown on your statement.
Japan rental move-in budget
Separate the cash needed at move-in from amounts that may be refundable, using the actual terms of your rental offer.
Rail season ticket break-even
Compare a quoted season ticket with individual return tickets over the same validity period and journey.
Annual salary split across payments
Compare the size of each equal gross payment with the average income per calendar month. This is payment scheduling, not a take-home pay calculation.
US withholding gap planner
Check whether the withholding in your remaining paychecks matches a tax estimate you already obtained. This supports a W-4 review without pretending to complete the form.
US federal and state tax-band scenario
Separate federal and state ordinary-income tax layers using brackets you supply for the chosen filing status and year. Example brackets are hypothetical, not an official tax table.
401(k) employer matching and vesting
Measure the employer match captured by your contribution and the part currently vested under your plan. Enter your applicable compensation and deferral limit.
HSA prorated contribution room
Estimate remaining HSA room from your verified annual limit and eligible months, counting employer contributions as well as your own.
529 education saving target scenario
Estimate the monthly saving needed for one future education spending target. Keep tuition inflation separate from the assumed investment return.
ARM first interest-rate reset
Model the first adjustable-rate mortgage reset with the index, margin and caps written in your contract.
PMI scheduled loan-to-value milestones
Find scheduled balance milestones relative to the original property value. A milestone is not approval to cancel mortgage insurance.
US mixed-rate sales-tax basket
Price a basket whose products may have different local tax treatment. Enter the applicable combined rate for each product.
US health-plan cost sharing comparison
Compare plans for one entered treatment-cost scenario, keeping premiums and excluded care outside the cost-sharing ceiling.
UK annual PAYE and employee NI scenario
Inspect an annual ordinary-employment income-tax and National Insurance scenario using your tax-year and nation-specific inputs. The example tax bands are illustrative.
UK pension salary-sacrifice marginal scenario
Compare a pension addition with the reduction in take-home pay for a sacrifice wholly within the marginal rates you enter.
UK student-loan repayment streams
Estimate an undergraduate-plan stream and, where applicable, a separate postgraduate stream using your confirmed thresholds.
UK ISA annual subscription tracker
Track new subscriptions across ISA accounts against your confirmed allowance. Separate new subscriptions from transfers between providers.
Lifetime ISA bonus and charged withdrawal
See why a charge on the whole Lifetime ISA pot can remove more than the original bonus. This example assumes a charged, nonqualifying withdrawal.
UK property transaction marginal-band model
Check a supplied SDLT, LBTT or LTT marginal-band schedule without mixing the three jurisdictions. Choose the correct official schedule first.
UK irregular-hours leave accrual
Calculate the 12.07% pay-period accrual model for eligible irregular-hours or part-year workers under the applicable leave-year rules.
Council Tax part-year bill planner
Plan a part-year Council Tax bill from your council charge and confirmed discount, then spread a remaining balance.
Leasehold charges and major-works forecast
Combine service charges, a ground-rent scenario and one expected major-works payment to see uneven leasehold cash requirements.
Germany tax-class cash-flow comparison
Compare the timing effect of tax-class arrangements using payroll estimates you already obtained. A smaller withholding is not automatically a smaller final tax.
Germany distance-allowance scenario
Explore the commuting deduction using verified rules for your tax year and travel arrangement. Distance rates can change, so the example is not a current-rate promise.
Germany mini-job and midi-job offer worksheet
Compare payroll quotes and classify pay against thresholds you enter. This worksheet does not invent social-insurance contributions from a gross amount.
Germany parental-leave income timeline
Plan household cash flow across leave months using confirmed Elterngeld or ElterngeldPlus estimates and expected work income.
Shared-building solar allocation scenario
Compare an entered static solar allocation with each unit's demand for the same settlement interval.
Austria 13th and 14th payment worksheet
Reconcile regular salary and two special payments using the deductions in your payroll estimate.
Switzerland residence tax quote comparison
Put official or professional tax quotes for different Swiss residences in one comparable table.
Swiss adult deductible cost comparison
Compare premiums and ordinary adult cost sharing across Swiss deductible choices for one medical-spending scenario.
China special additional deductions worksheet
Aggregate approved monthly deduction assumptions without asking for identity, family or medical documents.
China city social and housing-fund contributions
Apply separately supplied city-specific wage bases and rates to social-insurance and housing-fund schemes.
China combined commercial and housing-fund loan
Model two loan components with different rates and terms, including the payment change when the shorter component ends.
China holiday and make-up workday planner
Count weekdays while applying an explicitly entered holiday and make-up workday schedule. The sample dates are not an official national holiday calendar.
Spring Festival travel premium budget
Compare ordinary and festival transport quotes and combine the peak itinerary with lodging and other trip costs.
Hong Kong progressive versus standard tax scenario
Compare progressive tax after allowances with a separately supplied standard-rate schedule on net income. The example schedules are hypothetical.
Hong Kong monthly MPF contribution model
Estimate mandatory employer and employee contributions for an ordinary full-month payroll with entered relevant-income limits.
Taiwan income-tax band worksheet
Trace taxable income, marginal tax and withholding for a supplied Taiwan tax-year schedule. The example bands are not statutory rates.
Taiwan ping and private-area price comparison
Translate a listing's registered ping area into square metres and estimate the private area after an entered shared-area proportion.
Singapore CPF ordinary and additional wage model
Combine capped ordinary wages and remaining additional-wage room using verified rates for your age and citizenship or PR status.
France family quotient cap scenario
Compare tax before and after household quotient parts, with a separately entered cap on the benefit. Example bands and cap are illustrative.
France micro-entrepreneur charge scenario
Separate turnover-based charges, actual cash expenses and the notional tax allowance for a micro-enterprise scenario.
France meal-voucher funding split
See the purchasing value of meal vouchers and how much is funded by employer and employee.
Quebec federal and provincial tax scenario
Inspect separate federal and Quebec tax layers with supplied taxable incomes, brackets and credits. Default brackets are illustrative.
Belgium bicycle and rail reimbursement budget
Combine bicycle-distance support and a rail subscription contribution under the employer policy you enter.
Spain autonomo quarterly cash reserve
Plan quarterly cash after a confirmed social-security quota and an entered income-tax advance assumption.
Mexico proportional aguinaldo
Estimate gross aguinaldo for a full or partial calendar year using your applicable daily wage and contractual entitlement.
Mexico vacation premium amount
Separate ordinary vacation pay from the additional vacation premium using your confirmed paid days.
Chile UF-indexed payment scenarios
Convert a fixed UF contract amount using date-specific values you enter and compare how the peso payment changes.
UAE full-time basic gratuity scenario
Estimate the standard basic gratuity pattern for an eligible full-time foreign private-sector worker under the federal framework.
Saudi end-of-service base award scenario
Calculate the base award and then apply the entitlement share confirmed for your exit circumstances.
Qatar contractual gratuity scenario
Check the arithmetic of a confirmed Qatar gratuity entitlement using your basic wage, eligible service and agreed days per year.
Zakat asset inclusion worksheet
Organize assets, included proportions and debts under the religious method you choose. All values must use one currency and one assessment date.
Japan furusato nozei confirmed-limit budget
Compare planned donations with a limit you obtained from an official or professional calculation. This tool does not estimate the limit from salary.
Japan rail-pass dated itinerary comparison
Compare a pass with a dated itinerary, keeping travel outside its validity or coverage payable separately.
Japan amperage contract cost worksheet
Compare quoted contract base fees with a simple simultaneous-current estimate for a Japanese household.
Russia professional-income tax and bonus model
Separate eligible individual-client and business-client receipts and apply the remaining deduction bonus in the simple NPD model.
Kazakhstan entered-base payroll worksheet
Reconcile employee deductions and income tax using confirmed bases, caps and deductions for your payroll situation.
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