Open Calculators
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Financial Planning & Wealth Hub

Finance Calculators

Make confident borrowing, investing, and purchasing decisions. Our client-side models execute verified actuarial formulas directly on your device, guaranteeing absolute confidentiality with zero financial data transmission.

Amortization & PITI

Mortgage Calculator

Calculate complete monthly PITI payments (Principal, Interest, Property Taxes, Homeowners Insurance & HOA). Includes interactive charts, multi-year amortization tables, and CSV export.

Supported Jurisdictions:
๐Ÿ‡จ๐Ÿ‡ญ Switzerland๐Ÿ‡บ๐Ÿ‡ธ United๐Ÿ‡ฌ๐Ÿ‡ง United๐Ÿ‡จ๐Ÿ‡ฆ Canada๐Ÿ‡ฆ๐Ÿ‡บ Australia๐Ÿ‡ฉ๐Ÿ‡ช Germany๐Ÿ‡ซ๐Ÿ‡ท France๐Ÿ‡ช๐Ÿ‡ธ Spain๐Ÿ‡ต๐Ÿ‡น Portugal๐Ÿ‡ฎ๐Ÿ‡น Italy๐Ÿ‡ต๐Ÿ‡ฑ Poland๐Ÿ‡ท๐Ÿ‡บ Russia๐Ÿ‡ฐ๐Ÿ‡ท South๐Ÿ‡ฏ๐Ÿ‡ต Japan๐Ÿ‡จ๐Ÿ‡ณ China๐Ÿ‡ง๐Ÿ‡ท Brazil๐Ÿ‡ญ๐Ÿ‡ฐ Hong๐Ÿ‡น๐Ÿ‡ผ Taiwan๐Ÿ‡ฎ๐Ÿ‡ฉ Indonesia๐Ÿ‡ฆ๐Ÿ‡น Austria๐Ÿ‡ณ๐Ÿ‡ฑ Netherlands๐Ÿ‡ง๐Ÿ‡ช Belgium
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Wealth Growth & APY

Compound Interest Calculator

Visualize how recurring monthly contributions, lump-sum bonuses, and compounding frequencies multiply your savings over 1 to 50 years. Accounts for purchasing power erosion with built-in inflation adjustment.

Multi-currency selector (USD, EUR, GBP, CHF, CAD, AUD)
Preset strategies: S&P 500, High-Yield Savings, Aggressive Tech
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TCO & Equity Retention

Car Buy vs. Lease Calculator

Compare vehicle financing against closed-end auto leases over identical periods. Evaluates depreciation curves, loan interest, acquisition/disposition fees, and end-of-term vehicle residual equity.

Country Tax Models:
๐Ÿ‡จ๐Ÿ‡ญ Switzerland๐Ÿ‡บ๐Ÿ‡ธ United๐Ÿ‡ฌ๐Ÿ‡ง United๐Ÿ‡จ๐Ÿ‡ฆ Canada๐Ÿ‡ฆ๐Ÿ‡บ Australia๐Ÿ‡ฉ๐Ÿ‡ช Germany๐Ÿ‡ซ๐Ÿ‡ท France๐Ÿ‡ช๐Ÿ‡ธ Spain๐Ÿ‡ต๐Ÿ‡น Portugal๐Ÿ‡ฎ๐Ÿ‡น Italy๐Ÿ‡ต๐Ÿ‡ฑ Poland๐Ÿ‡ท๐Ÿ‡บ Russia๐Ÿ‡ฐ๐Ÿ‡ท South๐Ÿ‡ฏ๐Ÿ‡ต Japan๐Ÿ‡จ๐Ÿ‡ณ China๐Ÿ‡ง๐Ÿ‡ท Brazil๐Ÿ‡ญ๐Ÿ‡ฐ Hong๐Ÿ‡น๐Ÿ‡ผ Taiwan๐Ÿ‡ฎ๐Ÿ‡ฉ Indonesia๐Ÿ‡ฆ๐Ÿ‡น Austria๐Ÿ‡ณ๐Ÿ‡ฑ Netherlands๐Ÿ‡ง๐Ÿ‡ช Belgium
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Income Tax & Net Salary

Gross-to-Net Salary Calculator

Calculate your take-home pay after statutory income tax, social security contributions, and pension withholdings across 10 international jurisdictions.

Supported Jurisdictions:
๐Ÿ‡ฉ๐Ÿ‡ช Germany๐Ÿ‡ฆ๐Ÿ‡น Austria๐Ÿ‡จ๐Ÿ‡ญ Switzerland๐Ÿ‡ณ๐Ÿ‡ฑ Netherlands๐Ÿ‡ง๐Ÿ‡ช Belgium๐Ÿ‡ฐ๐Ÿ‡ท South๐Ÿ‡ฏ๐Ÿ‡ต Japan๐Ÿ‡บ๐Ÿ‡ธ United๐Ÿ‡ฌ๐Ÿ‡ง United๐Ÿ‡จ๐Ÿ‡ฆ Canada๐Ÿ‡ช๐Ÿ‡ธ Spain๐Ÿ‡ต๐Ÿ‡น Portugal๐Ÿ‡ง๐Ÿ‡ท Brazil๐Ÿ‡ฒ๐Ÿ‡ฝ Mexico๐Ÿ‡จ๐Ÿ‡ด Colombia๐Ÿ‡ฆ๐Ÿ‡ท Argentina๐Ÿ‡จ๐Ÿ‡ฑ Chile๐Ÿ‡ฆ๐Ÿ‡บ Australia๐Ÿ‡ซ๐Ÿ‡ท France๐Ÿ‡ฎ๐Ÿ‡น Italy
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Mileage & Travel Tax Relief

Commuter Mileage & Tax Calculator

Calculate annual commuter tax deductions, distance allowances (Pendlerpauschale, Reiskostenvergoeding), and IRS standard mileage reimbursements.

Supported Jurisdictions:
๐Ÿ‡ฉ๐Ÿ‡ช Germany๐Ÿ‡ณ๐Ÿ‡ฑ Netherlands๐Ÿ‡ฆ๐Ÿ‡น Austria๐Ÿ‡จ๐Ÿ‡ญ Switzerland๐Ÿ‡ง๐Ÿ‡ช Belgium๐Ÿ‡บ๐Ÿ‡ธ United๐Ÿ‡ฌ๐Ÿ‡ง United๐Ÿ‡ฆ๐Ÿ‡บ Australia๐Ÿ‡จ๐Ÿ‡ฆ Canada๐Ÿ‡ซ๐Ÿ‡ท France
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United States ยท IRS

IRS Mileage Calculator

Mileage deduction for business, medical and charity miles, tax-free reimbursement limits and the IRS rate on any date since 2011, including the July 2026 change to 76ยข.

2026 split rate: 72.5ยข to June 30, 76ยข from July 1
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United Kingdom ยท Car finance

PCP Calculator & PCP vs HP vs PCH

PCP monthly payment from price, deposit, APR and GMFV balloon, equity at the end and the 50% voluntary-termination point, plus a side-by-side PCP, HP, PCH and cash comparison.

Net cost after the car's value, not just the monthly payment
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United States ยท 2026

Paycheck Calculator by State

Take-home pay per paycheck after federal income tax, Social Security, Medicare, state income tax and state payroll levies, for all 50 states and DC.

Salary or hourly, 401(k), local and NYC tax
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United States & Canada

Sales Tax Calculator by State & Province

Add or remove sales tax with July 2026 state and average local rates for all 50 states and DC, plus GST, HST, PST and QST for every Canadian province.

State, local and provincial parts shown separately
Launch CalculatorCanada GST/HST calculator
Consumption Tax & Invoicing

VAT & Sales Tax Calculator

Add or remove VAT, GST, and sales tax from gross and net prices. Supports reduced food rates, statutory exemptions, and Japan qualified invoice format.

Supported Jurisdictions:
๐Ÿ‡ฏ๐Ÿ‡ต Japan๐Ÿ‡ฉ๐Ÿ‡ช Germany๐Ÿ‡ฆ๐Ÿ‡น Austria๐Ÿ‡จ๐Ÿ‡ญ Switzerland๐Ÿ‡ณ๐Ÿ‡ฑ Netherlands๐Ÿ‡ง๐Ÿ‡ช Belgium๐Ÿ‡ฐ๐Ÿ‡ท South๐Ÿ‡ฌ๐Ÿ‡ง United๐Ÿ‡บ๐Ÿ‡ธ United๐Ÿ‡ช๐Ÿ‡ธ Spain๐Ÿ‡ต๐Ÿ‡น Portugal๐Ÿ‡ฒ๐Ÿ‡ฝ Mexico๐Ÿ‡จ๐Ÿ‡ด Colombia๐Ÿ‡จ๐Ÿ‡ฑ Chile๐Ÿ‡ฆ๐Ÿ‡บ Australia๐Ÿ‡จ๐Ÿ‡ฆ Canada๐Ÿ‡ซ๐Ÿ‡ท France๐Ÿ‡ฎ๐Ÿ‡น Italy
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Germany (BEEG)

German Parental Allowance (Elterngeld)

Calculate Basiselterngeld and ElterngeldPlus payouts under the German Federal Parental Allowance Act (BEEG). Includes Geschwisterbonus and part-time earnings deductions.

65%โ€“100% progressive statutory replacement rate
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Germany (ยง 20 SGB IV)

German Minijob & Midijob Calculator

Calculate net earnings and reduced social security deductions for 538 โ‚ฌ (2024) / 556 โ‚ฌ (2025) Minijobs and Midijobs up to 2,000 โ‚ฌ with full pension points.

Statutory รœbergangsbereich sliding formula
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Multi-Country Statutory Bonuses

13th & 14th Salary Calculator

Calculate statutory 13th and 14th month salaries across Switzerland (Art. 322d CO), Germany, Austria, Italy, Spain, Portugal, Greece, Brazil, Mexico, Argentina, Colombia, Peru, and more. Accurately models installment schedules, pro-rata service, and tax deductions.

16 statutory country presets with pro-rata service
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Brasil (Caixa SFH / SFI)

Brazilian Tabela SAC vs. Price Simulator

Compare lado a lado amortizaรงรฃo decrescente (SAC) e parcelas fixas (Price) para financiamento de imรณveis no Brasil. Veja economia total em juros, primeira vs. รบltima parcela e ponto de cruzamento.

Simulaรงรฃo completa de atรฉ 420 meses com TR e IPCA
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Brasil (Simples Nacional)

Calculadora MEI: Faturamento, DAS & IRPF

Verifique o teto anual de R$ 81.000, margem de 20% (R$ 97.200), valor exato da guia DAS mensal (INSS, ICMS, ISS) e a parcela de lucro isento para a declaraรงรฃo de IRPF da pessoa fรญsica.

Cรกlculo proporcional por mรชs de abertura e alรญquotas oficiais
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Actuarial Rigor & Methodology

Standard Amortization & Compounding Models

Every financial computation on Open Calculators follows standard compounding finance formulas: loan amortization uses the standard constant periodic repayment formula, while compound interest integrates recurring periodic investments and effective annual yield (APY).

Jurisdiction-Specific Regulatory Guardrails

Rather than applying simplistic US-only formulas globally, our pSEO engines respect local banking regulations โ€” such as Switzerland's 1st/2nd tranche split and FINMA 5% stress test, the UK's SDLT stamp duty, and France's HCSF 35% debt-to-income limits.