{
  "name": "DecisionsCalc cross-country financial reference data",
  "url": "https://decisionscalc.com/data/",
  "licence": "CC BY 4.0 — free to use with attribution and a link back.",
  "generated": "2026-09-29",
  "caveats": [
    "Reference figures compiled from public sources, not a survey and not original research.",
    "Not individually verified by a regulated adviser. General information, not financial advice.",
    "Values are in each country’s own currency: not converted, not adjusted for purchasing power.",
    "Vintages differ by country and dataset — see the asOf field on each entry.",
    "Fuel economy and property tax are withheld: their units differ by country, so a direct comparison would mislead."
  ],
  "datasets": [
    {
      "dataset": "baby-cost-planner",
      "countries": {
        "US": {
          "country": "United States",
          "currency": "USD",
          "values": {
            "unpaidWeeks": 6,
            "paidPct": 0,
            "weeklyPay": 1200
          },
          "source": "EPI Child Care Cost Index 2023 (latest full state-level index published); FAIR Health",
          "asOf": "2026-06"
        },
        "GB": {
          "country": "United Kingdom",
          "currency": "GBP",
          "values": {
            "unpaidWeeks": 20,
            "paidPct": 25,
            "weeklyPay": 560
          },
          "source": "Coram/MoneyHelper UK childcare 2025; NHS free delivery; SMP £187.18/wk",
          "asOf": "2026-06"
        },
        "CA": {
          "country": "Canada",
          "currency": "CAD",
          "values": {
            "unpaidWeeks": 35,
            "paidPct": 55,
            "weeklyPay": 900
          },
          "source": "CWELCC provincial rollout; EI maternity/parental rates (Service Canada); public delivery via provincial medicare (2025-26)",
          "asOf": "2026-06"
        },
        "AU": {
          "country": "Australia",
          "currency": "AUD",
          "values": {
            "unpaidWeeks": 26,
            "paidPct": 60,
            "weeklyPay": 1200
          },
          "source": "Child Care Subsidy (Services Australia); Parental Leave Pay ~22 wks at national minimum; public birth via Medicare (2025-26)",
          "asOf": "2026-06"
        },
        "IE": {
          "country": "Ireland",
          "currency": "EUR",
          "values": {
            "unpaidWeeks": 16,
            "paidPct": 25,
            "weeklyPay": 274
          },
          "source": "Citizens Information Maternity Benefit €274/wk 2025; Pobal/NCS childcare 2025",
          "asOf": "2026-06"
        },
        "CH": {
          "country": "Switzerland",
          "currency": "CHF",
          "values": {
            "unpaidWeeks": 10,
            "paidPct": 80,
            "weeklyPay": 1200
          },
          "source": "ch.ch maternity allowance 14 wks @80% (cap CHF 220/day); kizi.ch Kita costs 2026",
          "asOf": "2026-06"
        }
      }
    },
    {
      "dataset": "college-cost-calculator",
      "countries": {
        "US": {
          "country": "United States",
          "currency": "USD",
          "values": {
            "annualTuition": 11950,
            "roomBoard": 13620,
            "booksSupplies": 1240,
            "opportunityWage": 35000
          },
          "source": "College Board Trends in College Pricing 2025 (2025-26 published tuition & fees: $11,950 in-state, $31,880 out-of-state, $45,000 private nonprofit); NCES",
          "asOf": "2026-09"
        },
        "GB": {
          "country": "United Kingdom",
          "currency": "GBP",
          "values": {
            "annualTuition": 9250,
            "roomBoard": 11000,
            "booksSupplies": 400,
            "opportunityWage": 22000
          },
          "source": "GOV.UK tuition cap £9,250; UK student maintenance; Plan 5 loan terms",
          "asOf": "2026-06"
        },
        "CA": {
          "country": "Canada",
          "currency": "CAD",
          "values": {
            "annualTuition": 7000,
            "roomBoard": 12000,
            "booksSupplies": 800,
            "opportunityWage": 35000
          },
          "source": "StatCan avg domestic undergrad tuition ~$7,000 (2024/25); Canada Student Loans interest-free federal portion",
          "asOf": "2026-06"
        },
        "AU": {
          "country": "Australia",
          "currency": "AUD",
          "values": {
            "annualTuition": 8300,
            "roomBoard": 15000,
            "booksSupplies": 700,
            "opportunityWage": 50000
          },
          "source": "Student contribution bands $4,500–$16,500 (2024); HECS-HELP indexation cap (lower of CPI/WPI, 2024 reform)",
          "asOf": "2026-06"
        },
        "IE": {
          "country": "Ireland",
          "currency": "EUR",
          "values": {
            "annualTuition": 2500,
            "roomBoard": 11000,
            "booksSupplies": 500,
            "opportunityWage": 24000
          },
          "source": "gov.ie Free Fees Initiative / Student Contribution €2,500 (2025/26); SUSI",
          "asOf": "2026-06"
        },
        "CH": {
          "country": "Switzerland",
          "currency": "CHF",
          "values": {
            "annualTuition": 1500,
            "roomBoard": 16000,
            "booksSupplies": 600,
            "opportunityWage": 50000
          },
          "source": "UZH/ETH tuition ~CHF 1,460/yr (intl higher from 2025); cantonal scholarships",
          "asOf": "2026-06"
        }
      }
    },
    {
      "dataset": "car-ownership-calculator",
      "countries": {
        "US": {
          "country": "United States",
          "currency": "USD",
          "values": {
            "purchasePrice": 35000,
            "annualInsurance": 2575,
            "annualMaint": 1000,
            "milesPerYear": 13500,
            "loanRate": 7.1
          },
          "source": "AAA Your Driving Costs 2026 ($12,863/yr average for a new vehicle over 5 years / 75,000 miles); US average pump price $3.82/gal (2026 annual average); average full-coverage premium $2,575/yr (2026); EPA fuel economy",
          "asOf": "2026-06"
        },
        "GB": {
          "country": "United Kingdom",
          "currency": "GBP",
          "values": {
            "purchasePrice": 25000,
            "annualInsurance": 560,
            "annualMaint": 700,
            "milesPerYear": 7000,
            "loanRate": 9.5
          },
          "source": "RAC/ABI/NimbleFins 2025-26; petrol 157p/L (Apr 2026)",
          "asOf": "2026-06"
        },
        "CA": {
          "country": "Canada",
          "currency": "CAD",
          "values": {
            "purchasePrice": 38000,
            "annualInsurance": 1700,
            "annualMaint": 900,
            "milesPerYear": 15300,
            "loanRate": 7.5
          },
          "source": "Metric: ~15,300 km/yr, 7.1 L/100km, petrol ~$1.55/L; ON HST 13% (provinces 5–14.975%); insurance varies by province (ON ~$1,700, QC ~$900) (2025-26)",
          "asOf": "2026-06"
        },
        "AU": {
          "country": "Australia",
          "currency": "AUD",
          "values": {
            "purchasePrice": 42000,
            "annualInsurance": 1600,
            "annualMaint": 950,
            "milesPerYear": 12900,
            "loanRate": 8
          },
          "source": "Metric: ~12,900 km/yr, 6.9 L/100km, petrol ~$1.95/L; comprehensive + CTP + rego ~$2,000+/yr; vehicle stamp duty ~3% (state-varying) (2025-26)",
          "asOf": "2026-06"
        },
        "IE": {
          "country": "Ireland",
          "currency": "EUR",
          "values": {
            "purchasePrice": 30000,
            "annualInsurance": 620,
            "annualMaint": 700,
            "milesPerYear": 16100,
            "loanRate": 7.5
          },
          "source": "Metric: ~16,100 km/yr, 5.9 L/100km, petrol €1.82/L (GlobalPetrolPrices 2026); Central Bank NCID avg motor premium €616 (2024)",
          "asOf": "2026-06"
        },
        "CH": {
          "country": "Switzerland",
          "currency": "CHF",
          "values": {
            "purchasePrice": 35000,
            "annualInsurance": 900,
            "annualMaint": 900,
            "milesPerYear": 14500,
            "loanRate": 6
          },
          "source": "Metric: ~14,500 km/yr, 6.2 L/100km, petrol CHF 1.92/L (GlobalPetrolPrices 2026); comparis avg motor premium (liability+partial casco)",
          "asOf": "2026-06"
        }
      }
    },
    {
      "dataset": "home-buying-cost-calculator",
      "countries": {
        "US": {
          "country": "United States",
          "currency": "USD",
          "values": {
            "purchasePrice": 400000,
            "downPct": 10,
            "interestRate": 6.8,
            "closingPct": 3,
            "movingCost": 4000
          },
          "source": "NAR; CFPB closing costs; CoreLogic property tax",
          "asOf": "2026-06"
        },
        "GB": {
          "country": "United Kingdom",
          "currency": "GBP",
          "values": {
            "purchasePrice": 290000,
            "downPct": 15,
            "interestRate": 5.2,
            "closingPct": 0.6,
            "movingCost": 1200
          },
          "source": "GOV.UK SDLT 2026/27; ONS UK avg house ~£290k; council tax Band D",
          "asOf": "2026-06"
        },
        "CA": {
          "country": "Canada",
          "currency": "CAD",
          "values": {
            "purchasePrice": 700000,
            "downPct": 20,
            "interestRate": 4.9,
            "closingPct": 2.5,
            "movingCost": 2500
          },
          "source": "CREA national avg ~$700k; 5-yr fixed ~4.9%; closing incl. land transfer tax (ON ~1.5–2%, Toronto doubled) (2025-26)",
          "asOf": "2026-06"
        },
        "AU": {
          "country": "Australia",
          "currency": "AUD",
          "values": {
            "purchasePrice": 800000,
            "downPct": 20,
            "interestRate": 6,
            "closingPct": 0.6,
            "movingCost": 2500
          },
          "source": "CoreLogic mean dwelling ~$960k (default modest $800k); variable ~6%; council rates ~$2,000/yr; stamp duty additional by state (2025-26)",
          "asOf": "2026-06"
        },
        "IE": {
          "country": "Ireland",
          "currency": "EUR",
          "values": {
            "purchasePrice": 387000,
            "downPct": 10,
            "interestRate": 3.9,
            "closingPct": 1,
            "movingCost": 1500
          },
          "source": "CSO median dwelling €387,000 (Dec 2025); Revenue stamp duty 1%; LPT ~€345; new-mortgage rate ~3.9%",
          "asOf": "2026-06"
        },
        "CH": {
          "country": "Switzerland",
          "currency": "CHF",
          "values": {
            "purchasePrice": 1000000,
            "downPct": 20,
            "interestRate": 1.7,
            "closingPct": 0.5,
            "movingCost": 2000
          },
          "source": "FSO/JLL apartment ~CHF 9,224/m² (2025); min 20% down (≥10% cash); 5-yr fixed ~1.5–1.7%; imputed rental value taxed",
          "asOf": "2026-06"
        }
      }
    },
    {
      "dataset": "emergency-fund-calculator",
      "countries": {
        "US": {
          "country": "United States",
          "currency": "USD",
          "values": {
            "housing": 1800,
            "food": 500,
            "transport": 400,
            "utilities2": 200,
            "insurance": 300
          },
          "source": "BLS Consumer Expenditure Survey; Fed SCF",
          "asOf": "2026-06"
        },
        "GB": {
          "country": "United Kingdom",
          "currency": "GBP",
          "values": {
            "housing": 1100,
            "food": 310,
            "transport": 250,
            "utilities2": 200,
            "insurance": 90
          },
          "source": "ONS Family Spending; Ofgem energy price cap £1,723/yr typical dual-fuel direct debit (Oct-Dec 2026). Utilities default is a composite of energy, water and broadband, so it sits above the energy cap alone",
          "asOf": "2026-06"
        },
        "CA": {
          "country": "Canada",
          "currency": "CAD",
          "values": {
            "housing": 1850,
            "food": 420,
            "transport": 320,
            "utilities2": 260,
            "insurance": 130
          },
          "source": "StatCan Survey of Household Spending; CMHC rental market report (avg 2-bed ~$1,900) (2025-26)",
          "asOf": "2026-06"
        },
        "AU": {
          "country": "Australia",
          "currency": "AUD",
          "values": {
            "housing": 2400,
            "food": 500,
            "transport": 350,
            "utilities2": 300,
            "insurance": 150
          },
          "source": "ABS Household Expenditure Survey; capital-city rents ~$600/wk (2025-26)",
          "asOf": "2026-06"
        },
        "IE": {
          "country": "Ireland",
          "currency": "EUR",
          "values": {
            "housing": 1350,
            "food": 350,
            "transport": 250,
            "utilities2": 250,
            "insurance": 100
          },
          "source": "CSO Household Budget Survey; Daft national avg rent €1,336/mo (Q4 2025)",
          "asOf": "2026-06"
        },
        "CH": {
          "country": "Switzerland",
          "currency": "CHF",
          "values": {
            "housing": 1700,
            "food": 600,
            "transport": 300,
            "utilities2": 250,
            "insurance": 400
          },
          "source": "FSO household budget; avg net rent ~CHF 1,700/mo; mandatory health insurance ~CHF 350+/mo",
          "asOf": "2026-06"
        }
      }
    },
    {
      "dataset": "fire-calculator",
      "countries": {
        "US": {
          "country": "United States",
          "currency": "USD",
          "values": {
            "annualSpend": 60000,
            "ssBenefit": 1800,
            "annualSavings": 24000
          },
          "source": "Trinity Study (Bengen); SSA actuarial tables",
          "asOf": "2026-06"
        },
        "GB": {
          "country": "United Kingdom",
          "currency": "GBP",
          "values": {
            "annualSpend": 35000,
            "ssBenefit": 1046,
            "annualSavings": 12000
          },
          "source": "GOV.UK State Pension rates 2026/27 (full new State Pension £241.30/wk)",
          "asOf": "2026-06"
        },
        "CA": {
          "country": "Canada",
          "currency": "CAD",
          "values": {
            "annualSpend": 50000,
            "ssBenefit": 1675,
            "annualSavings": 14000
          },
          "source": "CPP max $1,507.65/mo, avg for new beneficiaries at 65 $925.35/mo (2026); OAS $751.97/mo age 65-74 (Jul-Sep 2026) — default = avg CPP + max OAS",
          "asOf": "2026-08"
        },
        "AU": {
          "country": "Australia",
          "currency": "AUD",
          "values": {
            "annualSpend": 60000,
            "ssBenefit": 1200,
            "annualSavings": 18000
          },
          "source": "Age Pension single max $1,200.90/fortnight ≈ $2,602/mo (20 Mar-19 Sep 2026, incl. pension + energy supplements), heavily means-tested — conservative default",
          "asOf": "2026-08"
        },
        "IE": {
          "country": "Ireland",
          "currency": "EUR",
          "values": {
            "annualSpend": 38000,
            "ssBenefit": 1250,
            "annualSavings": 12000
          },
          "source": "Citizens Information State Pension (Contributory) €289.30/wk 2025 (~€1,253/mo)",
          "asOf": "2026-06"
        },
        "CH": {
          "country": "Switzerland",
          "currency": "CHF",
          "values": {
            "annualSpend": 70000,
            "ssBenefit": 1800,
            "annualSavings": 20000
          },
          "source": "AHV (1st pillar) 2026: max CHF 2,520/mo, min CHF 1,260/mo for a full contribution record",
          "asOf": "2026-06"
        }
      }
    }
  ]
}