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All Calculators Every calculator in one place, grouped by life stage. Remote Work True Cost Calculator Calculate your real net savings or costs when switching to remote work. Having a Baby True Cost Planner State-specific year-one baby cost estimate. Chronic Illness Annual Cost Calculator True annual financial burden of living with a chronic condition. Aging Parent Care Financial Planner Compare in-home care, assisted living, and memory care costs. Home Buying True Cost Calculator Full first-year cost of buying a home beyond the mortgage. College True Cost Calculator Real 4-year college cost including loan interest and opportunity cost.
Articles (110 published)
First-Time Buyer Stamp Duty Relief: What You Actually Pay First-time buyer SDLT in England and NI: nothing to £300,000, 5% to £500,000, nothing above it. Who qualifies, the cliff edge, Scotland and Wales. Stamp Duty Surcharge Refund: Reclaiming After You Sell Paid the 5% additional-property surcharge before selling your old home? Reclaim it in full — the three-year rule, the claim deadline, and how to apply. Lifetime Health Cover Loading: The 2% a Year Rule How LHC loading works — 2% a year over age 30, capped at 70%, removed after ten continuous years of cover — and whether joining before 31 is worth it. Capital Gains Tax When You Sell a UK Property CGT on a UK property sale in 2026/27: the 18% and 24% rates, the £3,000 allowance, the 60-day deadline, and what Private Residence Relief covers. 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. When to Take CPP: 60, 65 or 70 The CPP timing decision in Canada — a 36% cut at 60, a 42% increase at 70, where break-even actually falls, and how it interacts with the OAS clawback. The Lifetime ISA, and the Two Traps In It How the Lifetime ISA works in 2026/27: the £4,000 limit, the 25% bonus, the £450,000 cap frozen since 2017, and the exit charge that costs more than the bonus. The Cost of Raising a Child in the UK What raising a child to 18 costs in the UK — the CPAG figures, why a lone parent pays more, and what Child Benefit and funded childcare take off the total. Negative Gearing and the CGT Discount: What Changed What the May 2026 Budget changed for Australian property investors: negative gearing restricted from July 2027, the CGT discount replaced, and who is exempt. 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. Cost of Living in Switzerland (2026): A Monthly Budget Swiss salaries look enormous until you see the outgoings. Rent, compulsory health insurance, groceries and tax. The Swiss 3-Pillar Pension System Explained (2026) AHV, occupational BVG and private pillar 3a — what each pays, the 2026 maximums, the new 13th AHV payment. Federal Student Loan Repayment Plans in 2026: What Changed SAVE is gone, RAP replaced most income-driven plans from 1 July 2026, and IBR is the only legacy plan that survives. What each plan costs and how to choose. FAFSA and Financial Aid 2027-28: What You Will Actually Get The Student Aid Index, the Pell Grant maximum, and the OBBBA changes that alter who qualifies. How to read an aid offer and what the numbers really mean. How Much Can You Borrow? UK Mortgage Affordability in 2026 The 4.5× salary rule is widely misunderstood — it caps lenders, not you. How income multiples. Land Transfer Tax by Province in Canada (2026) Land transfer tax ranges from nothing in Alberta to five figures in Toronto. The 2026 provincial rates, the Toronto double charge. First Home Buyer Grants & Schemes in Australia (2026) The federal 5% Deposit Scheme, Help to Buy, the First Home Super Saver and every state grant and stamp duty concession — what stacks, what does not. Renting vs Buying in Australia (2026): The Real Numbers The honest Australian rent-vs-buy comparison — deposit, stamp duty, LMI, strata and rates against rent and the opportunity cost of your deposit. 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. Renting vs Buying in the UK (2026): The Real 5-Year Numbers The honest UK rent-vs-buy comparison — deposit, stamp duty, mortgage interest and maintenance against rent and the opportunity cost of your deposit. Renting vs Buying in Canada (2026): The Real 5-Year Numbers The honest Canadian rent-vs-buy comparison — down payment, land transfer tax, CMHC premium, the stress test and the opportunity cost of your deposit. Cost of Having a Baby in Australia (2026): Full Breakdown What a baby actually costs in Australia — public vs private birth, the 26-week Parental Leave Pay change from 1 July 2026, Child Care Subsidy. PMI: What It Is, What It Costs, and How to Get Rid of It Private mortgage insurance costs $2,100–$5,400/yr. Here's how to calculate your PMI, when lenders must cancel it, and how to remove it early. College Inflation 2026: What 4 Years Will Actually Cost Published public four-year tuition fell 7% after inflation over the last decade. The real 2025-26 numbers, why the 4-5% rule overstates it. Home Equity Line of Credit 2026: Rules, Rates, and Risks When a HELOC makes sense and when it doesn't — current rates, draw period vs. repayment, and the deductibility rules. Job Offer Evaluation: 12 Factors Beyond Base Salary The complete total compensation comparison framework — 401(k) match, healthcare cost, equity, PTO value, and remote work. 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. Long-Term Care Insurance 2026: Do You Need It? Who should buy LTC insurance, when to buy it (before 60), policy features to compare, and the hybrid life/LTC option. FIRE Calculator: How Much You Need to Retire Early The 25x Rule, healthcare wild card, Social Security adjustment, and what FIRE numbers look like at different lifestyle levels. 401(k) at Your First Job: What to Know Before Skipping It Employer match math, vesting schedules, traditional vs. Roth 401(k), and the SECURE 2.0 auto-enrollment change. Property Taxes by State 2026: What You Actually Pay Effective property tax rates from 0.28% to 2.49% by state. How to appeal your assessment, homestead exemptions, and exemptions for seniors. Wales LTT Higher Rates 2026: Second Homes & Buy-to-Let The higher residential rates of Land Transaction Tax for additional properties in Wales — the 5%-17% bands from 11 December 2024. Scotland ADS 2026: the 8% Second-Home Surcharge The Additional Dwelling Supplement on Scottish second homes and buy-to-let: 8% of the whole price, the £40,000 threshold, the 18-month repayment rule. The Cost of Selling a House in the UK (2026): Full Breakdown What it really costs to sell a UK home — estate agent fees (~1.42% inc VAT), conveyancing, EPC, removals, mortgage exit fees and CGT on second homes. 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. UK AVC Pension Top-Ups 2026/27: Cost and Tax Relief What Additional Voluntary Contributions are, the £60,000 annual allowance, how tax relief makes £100 in your pension cost £80/£60/£55 by tax band. How to Avoid the Medicare Levy Surcharge (2026-27) Already know you are over the threshold? The practical guide to avoiding the MLS: what counts as appropriate hospital cover, the daily pro-rating rule. UK Stamp Duty Rates by Year (2014-2026) A clear history of UK SDLT: the 2014 slice reform, the 2016 additional-property surcharge, the 2020-21 holiday, the 2022 threshold rise. UK Stamp Duty Surcharges 2026/27: Second Homes & BTL How the 5% additional-property surcharge and the 2% non-UK-resident surcharge work, who pays them, how they stack to standard+7%, worked examples at £290k. Bridging to Pension Age: Funding Early Retirement If you retire before 55-60 you cannot draw your pension, super or 401(k) yet. How the bridge years work, how big a bridge fund you need. 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. Baby's First Year Cost: 6-Country Comparison (2026) Year-one baby costs compared across the US, UK, Canada, Australia, Ireland and Switzerland — birth, childcare. Scotland Stamp Duty (LBTT) Rates & Bands 2026 Scotland's LBTT for 2026/27 — the bands, the £175k first-time buyer relief, the 8% Additional Dwelling Supplement, worked examples. Wales Stamp Duty (LTT) Rates & Bands 2026: What You Will Pay Wales Land Transaction Tax for 2026/27 — the residential bands, why there's no first-time buyer relief, higher rates for second homes. Medicare Levy Surcharge 2026-27: Rates and Thresholds The Australian Medicare Levy Surcharge for 2026-27 — the $105,000/$210,000 thresholds, the 1%/1.25%/1.5% tiers, what counts as income for surcharge purposes. Parental Leave by Province in Canada (2026) Job-protected maternity and parental leave length by province — Ontario, BC, Alberta and more — and how it differs from federal EI benefit weeks. 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. Renting vs Buying in Switzerland (2026): Why Most Swiss Rent Europe's lowest homeownership rate explained: the 20% deposit rule, the 5% affordability test, imputed rental value tax and cheap mortgages. UK State Pension 2026: How Much You Will Actually Get The full new State Pension rate, qualifying years and NI gaps, the triple lock, and when buying voluntary contributions is the best deal in UK finance. FHSA: The First-Home Account That Beats Both RRSP and TFSA Deductible going in, tax-free coming out — the $8,000/year FHSA rules, stacking with the $60,000 Home Buyers Plan, and the moves first-home savers miss. Superannuation Guarantee 2026-27: 12% and Your Pay The super guarantee at 12% from July 2025 — what employers must pay, what 12% compounds to over a career, salary sacrifice, the $30,000 concessional cap. ISAs in 2026: Which of the Four Types Should You Use? The £20,000 allowance, how Cash, Stocks & Shares, Lifetime and Junior ISAs differ, the LISA 25% bonus and its withdrawal trap. Free Childcare Hours in England: Who Qualifies The working-parent entitlement from 9 months, the £100,000 income cliff, stacking Tax-Free Childcare on top, and the term-time maths that catches parents out. Closing Costs in Canada: The 1.5–4% Nobody Budgets For Land transfer tax by province, the Toronto double-tax, legal fees, the PST-on-CMHC cash sting, and the first-time buyer rebates that claw thousands back. EI Maternity & Parental Leave Canada 2026: What You Get EI maternity and parental benefits for 2026 — the $729/week standard and $437/week extended caps, the 600-hour qualifying rule, standard vs extended. Stamp Duty by State: The $20k–$40k Line on Your Settlement Indicative transfer duty on a typical home in each state, the NSW/VIC/QLD first home buyer thresholds, and why the same price closes tens of thousands apart. Private Health Insurance Rebate 2026: Tiers & Thresholds The 2025–26 rebate tiers and income thresholds, Medicare Levy Surcharge rates, and the age-31 Lifetime Health Cover loading. UK Stamp Duty (SDLT) Rates & Bands 2026/27 Current 2026/27 SDLT rates and bands, what changed in April 2025, first-time buyer relief, the 5% additional-property surcharge. RRSP vs TFSA in Canada: Which Should You Fill First? The marginal-rate decision rule, contribution room mechanics, the withdrawal traps, and the practical default order for most Canadians. HECS-HELP Explained: What Your Uni Debt Really Costs Income-contingent repayments, the CPI/WPI indexation cap, contribution bands, and when paying it down early actually makes sense. FMLA vs Paid Leave: What New Parents Are Entitled To Federal FMLA, state paid leave programs, and how to stack them for maximum paid time. Covers all 13 states with paid leave laws. Credit Score 101: Build from Zero to 750+ in 12 Months The five factors, which ones matter most, secured card strategy, credit utilization tactics, and the fastest legitimate paths to 750+. Index Funds vs. Actively Managed Funds: The 20-Year Study Over 20 years, 90%+ of actively managed funds underperform their index. The data, the math, and what to buy instead. Student Loan Forgiveness 2026: Every Program Explained PSLF, SAVE, IBR, IDR, income-driven forgiveness — which applies to you, current court status, and the SAVE plan limbo. Freelance vs. Full-Time: Total Compensation Comparison 2026 Self-employment taxes, no benefits, variable income — here's the multiplier a freelancer needs to match a salaried job's true value. Retirement Withdrawal Strategy: Which Accounts to Tap First The optimal withdrawal sequence — taxable first vs. tax-deferred first, RMD planning, and Roth conversion opportunities. The Real Cost of a Pet: Year One and Lifetime Dogs cost $15,000–$55,000 lifetime. Cats $8,000–$25,000. The full breakdown including the veterinary expenses most new owners miss. Life Insurance With Kids: How Much Do You Need? 10x income rule vs. DIME method vs. human life value approach — the right calculation for your specific situation. Equity Compensation 101: RSUs, Options and Their Worth How RSUs vest, when options expire, the tax hit on each type, and how to evaluate equity when comparing job offers. Rent vs. Buy: The Real 5-Year Financial Analysis The NY Times rent vs. buy calculator methodology, break-even analysis, and why "throwing money away" on rent is a myth. The Hidden Financial Cost of Being a Family Caregiver Lost wages, retirement impact, healthcare costs, and legal expenses — the $522,000 average lifetime cost caregivers bear. Negotiating a Raise in 2026: Scripts That Work Data on what raises are being given vs. what's being asked, the best timing, and exact scripts for every response. COBRA vs ACA Marketplace: The Real Cost After Job Loss COBRA costs $624/mo individual. ACA may be cheaper with subsidies. How to compare before you elect — the decision you have 60 days to make. How Much Emergency Fund Do You Actually Need? The 3–6 month rule is too vague. How to calculate your exact target based on job stability, income type, and health situation. Medicaid Spend-Down Rules: What Your Family Needs to Know Asset limits, exempt assets, look-back period, and spousal impoverishment protection — the rules that govern nursing home Medicaid qualification. Reverse Mortgage 2026: Who It's For and Who It's Not HECM costs, eligibility, how payback works, and the situations where a reverse mortgage makes financial sense vs. when it doesn't. 529 vs. Roth IRA for College Savings: Which Wins in 2026 After the SECURE 2.0 rollover rule, the comparison changed. When to use each, and how to use both together. The Real Cost of Burnout: Financial and Career Impacts Lost productivity, job loss risk, medical costs, and the 3-year career setback most people don't quantify before it's too late. Estate Planning Basics: The Documents Everyone Needs Will, trust, POA, healthcare proxy, POLST — when each is needed, what each costs, and the consequences of not having them. Disability Insurance: The Cover Most People Skip You're 3× more likely to be disabled than to die during working years. How much coverage, what type, and how to get it. Pay Transparency Laws 2026: Every State Rule Which states require salary ranges in job postings, how to use them in negotiations, and what the data reveals about pay gaps. The Real Cost of Retirement in Every State Taxes on Social Security, income, and property vary dramatically. The best and worst states for retirement finances. Dependent Care FSA 2026: The Limit Just Rose to $7,500 How the DC-FSA works, enrollment rules, the use-it-or-lose-it risk, and how to stack it with the Child Care Tax Credit. Career Change at 35: The Real Financial Cost and ROI Income gap, retraining costs, credential costs, and the 10-year payback analysis for common career pivots. Chronic Illness: Financial Resources You Didn't Know Existed SSDI, SSI, ABLE accounts, patient assistance programs, and non-obvious tax deductions for people managing chronic conditions. How Much House Can You Afford? Not What the Bank Says Banks approve you for the maximum they'll lend — often more than you should borrow. The real affordability calculation. Social Security: When to Claim for Maximum Lifetime Benefit The difference between claiming at 62 vs. 70 can exceed $200,000. Here's the math, the break-even analysis, and the married-couple strategy. True Cost of Car Ownership 2026: Depreciation Is the Killer New cars lose 15–25% in year one. The real 5-year ownership cost including depreciation, insurance, fuel, and maintenance. 529 Plans in 2026: Everything Changed with SECURE 2.0 The Roth IRA rollover rule removes the main fear about over-funding. Complete 2026 guide to 529 plans, state deductions, and new rules. The True Financial Cost of Divorce in 2026 Attorney fees, asset division, two households — the full breakdown from $15,000 uncontested to $150,000+ contested. Medicare 2026: Every Change That Affects Your Wallet The Part D $2,000 OOP cap, premium increases, and drug price negotiations — explained with dollar impact examples. Remote Work Salary Negotiation: Keep Your Pay Going Remote Scripts and tactics for negotiating fully remote arrangements, countering RTO mandates, and quantifying your WFH value. Home Buying Closing Costs 2026: Complete Breakdown Every fee itemized — from origination to transfer taxes — with state-by-state averages and negotiation tactics. Childcare Costs by State 2026: The Complete Map Infant center care ranges from $7,200 to $24,000/yr. Full state-by-state data with tax strategies and subsidy programs. HSA vs. FSA: The Tax Savings Most Workers Miss in 2026 The triple tax advantage explained, 2026 limits, and the advanced strategy that turns your HSA into a stealth Roth IRA. Wedding Costs in 2026: What Couples Are Actually Spending Real data from 12,000+ couples — category breakdown, city comparisons, and 8 money-saving moves that don't look cheap. Roth IRA vs. Traditional IRA: Which Is Better in 2026 2026 income limits, contribution rules, and the tax math that tells you which account wins for your situation. How to Negotiate Your First Salary: 2026 Complete Guide Scripts, pay transparency law data, and the math behind why this 5-minute conversation is worth $150,000+ lifetime. Debt Avalanche vs. Snowball: Which Saves More in 2026 Mathematical comparison with real numbers — and the psychology case for each method. 4-Year College Cost Planning: What the Sticker Price Hides Tuition is just the start. Loan interest and opportunity cost add $40,000–$100,000+ beyond the headline number. Home Buying Hidden Costs Beyond the Mortgage: 2026 Guide Closing costs, PMI, property taxes, HOA, and maintenance — up to $43,000 in year-one hidden costs. Hidden Financial Cost of Chronic Illness: Beyond Copays Presenteeism, dietary changes, and transportation add $5,000–$20,000/yr on top of direct medical costs. Nursing Home vs Assisted Living vs Home Care: 2026 Costs State-by-state data from Genworth 2023. What Medicare covers, what it doesn't, and the caregiver career impact. The True Cost of Having a Baby in 2026: State-by-State Most figures exclude childcare and lost wages. Here's the real year-one total by state, insurance type, and leave policy. How Much Does Remote Work Really Save? 2026 Breakdown Full data-backed breakdown: IRS mileage, lunches, wardrobe, home office costs, and salary adjustment strategies.