The real cost of
life's biggest decisions
15 free calculators built on CSO and Revenue.ie data — plus a free AI advisor that explains your results and gives you a personalised action plan. No sign-up, no cost, ever.
Every calculator now has a free AI advisor built in
After you enter your numbers, ask the AI to explain what they mean — in plain English, with a specific action plan for your situation. Zero cost to you, ever.
Calculators
Pick your life event
Each tool covers a situation where the real cost surprises nearly everyone.
Remote Work True Cost Calculator
Commute savings, home office costs, meals, clothing — see your real annual net.
Salary Negotiation Calculator
See the lifetime earnings impact of negotiating and compare to BLS market benchmarks by field.
Debt Payoff Calculator
Avalanche vs. snowball comparison with your real debts — total interest saved and months to debt-free.
Emergency Fund Planner
Personalized target based on job stability, income type, and health situation — with savings plan.
Compound Interest Calculator
What a starting amount and monthly contributions grow to — split into what you paid in and what the market added.
FIRE Calculator
FIRE number, years to financial independence, Social Security impact, and portfolio projection.
Rent vs. Buy Calculator
True 5 & 10-year comparison with opportunity cost, appreciation, break-even timeline, and net wealth.
Wedding Cost Calculator
Itemized budget estimate by guest count, region, and style — with real data from 12,000+ couples.
Having a Baby True Cost Planner
State-specific year-one estimate: childcare, medical, gear, and parental leave lost wages.
Pet Cost Calculator
Year-one setup, annual recurring costs, and lifetime total — including the vet bills most people miss.
Car True Cost of Ownership
True 5-year cost: depreciation, insurance, fuel, maintenance, and financing. New vs. used vs. EV.
Home Buying True Cost Calculator
Closing costs, PMI, property taxes, HOA, insurance, and maintenance — the complete year-one picture.
College True Cost Calculator
Tuition, room & board, loan interest, and opportunity cost — the real 4-year total.
Chronic Illness Annual Cost Calculator
Beyond copays — medications, lost work, and lifestyle changes. The true annual burden.
Aging Parent Care Financial Planner
In-home care, assisted living, memory care — and the career impact on the family caregiver.
Navigate by life stage
Find tools for where you are in life
Why DecisionsCalc
Built differently
Real data sources
Every default value cites CSO and Revenue.ie, or peer-reviewed research — not a "reasonable estimate" from thin air.
100% private
Everything runs in your browser. We never see your numbers. No account, no tracking of your inputs, ever.
Ready in 2 minutes
Pre-loaded with national averages. Change only what applies to you. Results update instantly as you type.
Free AI analysis
Every calculator includes a free AI advisor — enter your numbers, click Analyse, and get a plain-English explanation plus 3 personalised action steps.
From the guide
Recent financial guides
Ireland's Pension Auto-Enrolment, and When to Stay In
My Future Fund started in January 2026. Who is enrolled, what the 1.5% / 1.5% / 0.5% split is worth, the €80,000 cap, and when a PRSA beats it.
Help to Buy & the First Home Scheme in Ireland (2026)
Up to €30,000 back from tax you have already paid, plus shared equity of up to 30%. How Ireland two first-time buyer schemes work, what they are worth.
Renting vs Buying in Ireland (2026): The Real Numbers
Ireland is one of the few markets where a mortgage can undercut rent from day one. The 2026 comparison — Central Bank deposit rules, stamp duty, Help to Buy.
Investing in Ireland (2026): Tax on ETFs, Shares & Funds
How investment returns are taxed in Ireland — the 38% exit tax and eight-year deemed disposal on ETFs/funds, 33% CGT on shares with the €1,270 exemption.
Saving in Ireland 2026: DIRT and State Savings Explained
How savings interest is taxed in Ireland — the 33% DIRT rate, which An Post State Savings products are DIRT-free, the over-65 exemption.
The True Cost of Buying a Home in Ireland (2026)
Stamp duty, legal fees, Local Property Tax, the Central Bank deposit rules and Help to Buy — the full upfront cost, with a worked €387,000 example.
The True Cost of Buying a Home: 6-Country Comparison (2026)
What it really costs to buy in the US, UK, Canada, Australia, Ireland and Switzerland — typical prices, deposit rules.
How Much a Wedding Costs: 6-Country Comparison (2026)
Average wedding costs compared across the US, UK, Canada, Australia, Ireland and Switzerland — what drives the bill, and the levers that cut it most.
State Pension Age & Amount: 6-Country Comparison (2026)
When you can claim a public pension and how much you get in the US, UK, Canada, Australia, Ireland and Switzerland.
Graduate Salary & Student Debt: 6-Country Comparison (2026)
What graduates earn and owe in the US, UK, Canada, Australia, Ireland and Switzerland — starting salaries and how student debt works (or barely exists) in.
How Much Remote Work Saves: 6-Country Comparison (2026)
The real annual savings from working remotely in the US, UK, Canada, Australia, Ireland and Switzerland — commuting, lunches, clothing.
The True Cost of Owning a Car: 6-Country Comparison (2026)
The real 5-year cost of car ownership in the US, UK, Canada, Australia, Ireland and Switzerland — depreciation, insurance, fuel and tax.
Free calculators. Free AI. Free PDF checklists.
Enter your numbers, get your real costs, ask the AI what they mean — and download a personalised checklist PDF. All free, always.