Now with free AI analysis on every calculator

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.

Built on CSO data AI advisor on all 15 tools Free PDF checklist per calculator 100% private — nothing stored
14
free calculators
AI
analysis on every tool
110
in-depth guides
$0
cost — ever
AI-Powered Analysis

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.

🏠 Home Buying Calculator
Purchase price $425k · 10% down · 6.85% rate · 1.1% property tax
AI Analysis: Your Year-1 true cost is $58,200 — 40% above what most buyers budget. The biggest surprise is your PMI at $3,600/yr which disappears the moment you hit 20% equity. Putting an extra $18,500 down eliminates it and saves $3,600 annually — breakeven in 5.1 years.
💳 Debt Payoff Calculator
Credit card 26.99% · Personal loan 14.5% · Extra $200/mo
AI Analysis: Avalanche method saves you $4,230 in interest vs. snowball. At your 22% bracket, paying that 26.99% card is a guaranteed 21% after-tax return — better than any stock market bet. You're debt-free in 2y 4m.
🔥 FIRE Calculator
Age 32 · Income $95k · Savings rate 28% · $180k saved
AI Analysis: Your FIRE number is $1.875M at $75k/yr spend. At this savings rate you hit it in 14.3 years, age 46. The single biggest lever: increasing your savings rate by 5% cuts 2.8 years off your timeline.
No account required No data stored Results in seconds Available on all 15 calculators

Pick your life event

Each tool covers a situation where the real cost surprises nearly everyone.

Career

Remote Work True Cost Calculator

Commute savings, home office costs, meals, clothing — see your real annual net.

Avg. $6,100/yr savings
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AI
Starting Out

Salary Negotiation Calculator

See the lifetime earnings impact of negotiating and compare to BLS market benchmarks by field.

Lifetime impact: $150K–$500K
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AI
Starting Out

Debt Payoff Calculator

Avalanche vs. snowball comparison with your real debts — total interest saved and months to debt-free.

Avg. credit card APR: 21.76%
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AI
Starting Out

Emergency Fund Planner

Personalized target based on job stability, income type, and health situation — with savings plan.

Median EF: $3,000 (too low)
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AI
Building Wealth

Compound Interest Calculator

What a starting amount and monthly contributions grow to — split into what you paid in and what the market added.

Growth is usually over half the total
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AI
Career

FIRE Calculator

FIRE number, years to financial independence, Social Security impact, and portfolio projection.

$1.5M–$3M typical FIRE target
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AI
Real Estate

Rent vs. Buy Calculator

True 5 & 10-year comparison with opportunity cost, appreciation, break-even timeline, and net wealth.

Break-even typically 5–8 years
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AI
Growing Family

Wedding Cost Calculator

Itemized budget estimate by guest count, region, and style — with real data from 12,000+ couples.

US avg. wedding: $35,000
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AI
Growing Family

Having a Baby True Cost Planner

State-specific year-one estimate: childcare, medical, gear, and parental leave lost wages.

Avg. $21,000–$50,000 yr 1
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AI
Growing Family

Pet Cost Calculator

Year-one setup, annual recurring costs, and lifetime total — including the vet bills most people miss.

Dogs: $15,000–$55,000 lifetime
Open calculator
AI
Building Wealth

Car True Cost of Ownership

True 5-year cost: depreciation, insurance, fuel, maintenance, and financing. New vs. used vs. EV.

New cars lose 20% yr 1
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AI
Building Wealth

Home Buying True Cost Calculator

Closing costs, PMI, property taxes, HOA, insurance, and maintenance — the complete year-one picture.

$29,500 avg. yr-one hidden costs
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AI
Building Wealth

College True Cost Calculator

Tuition, room & board, loan interest, and opportunity cost — the real 4-year total.

Avg. $190,000–$320,000 true total
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AI
Health

Chronic Illness Annual Cost Calculator

Beyond copays — medications, lost work, and lifestyle changes. The true annual burden.

Up to $12,000+ hidden costs
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AI
Later Life

Aging Parent Care Financial Planner

In-home care, assisted living, memory care — and the career impact on the family caregiver.

Avg. $54,000/yr assisted living
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AI

Find tools for where you are in life

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.

Recent financial guides

View all articles →
Later Life 9 min read

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.

Real Estate 8 min read

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.

Real Estate 8 min read

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.

Building Wealth 7 min read

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.

Starting Out 6 min read

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.

Real Estate 8 min read

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.

Real Estate 10 min read

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.

Family 8 min read

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.

Later Life 9 min read

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.

Starting Out 9 min read

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.

Career 8 min read

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.

Building Wealth 8 min read

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.