Personal Finance

Add or remove VAT at the standard rate for any EU country, the UK, Norway or Switzerland — rates as of September 2025, or enter your own rate.

Standard VAT rates for all 27 EU member states plus the UK, Norway, Switzerland and Iceland — as of September 2025.

Check whether an IBAN is valid — country length, format and the mod-97 check digits — and see it formatted in groups of four.

Generate random, checksum-valid IBANs for software testing — for Germany, France, the Netherlands, Spain, Italy, the UK and more.

Project the tax-free growth of a UK Stocks & Shares or Cash ISA with monthly contributions, capped at the £20,000 annual allowance.

Calculate UK mortgage payments for repayment or interest-only mortgages, with the loan-to-value (LTV) band and total interest.

Estimate a variable-rate euro mortgage payment from the Euribor index plus your bank's margin — and see how it changes if Euribor moves.

Work out the day or hourly rate you need as a freelancer to hit a target take-home income after business costs, tax and unpaid time off.

Calculate pro-rata annual leave for part-time work or a partial year — UK statutory 5.6 weeks, EU minimum 4 weeks, or your contract's entitlement.

Compare VAT due under the UK Flat Rate Scheme with standard VAT accounting — including the 16.5% limited-cost trader rate.

Convert an hourly wage to an annual salary and back — with weekly, biweekly, semimonthly and monthly pay — for any hours per week.

Calculate gross pay with overtime at time-and-a-half, double time and holiday rates for any hourly wage.

Split your take-home pay into needs, wants and savings with the 50/30/20 rule — or set your own percentages — and compare with your actual spending.

Add up what you own and what you owe to find your net worth — cash, investments, retirement, property and vehicles minus mortgages, loans and cards.

Find how big your emergency fund should be — 3 to 6+ months of essential expenses — and how long it will take to save it.

Work out how much to save each month to reach a goal by a target date — for a house deposit, car, wedding, trip or any sinking fund.

Calculate the interest earned in a high-yield savings account or certificate of deposit (CD) from the APY and term, with optional monthly deposits.

Convert between APR (nominal rate) and APY (effective annual yield) for any compounding frequency to compare loans and savings fairly.

See how long it will take to pay off a credit card and the total interest — or the monthly payment needed to be debt-free by a target date.

Estimate the interest charged on a credit card balance for a billing cycle using the daily periodic rate, as most US card issuers do.

Plan your way out of debt: compare the snowball (smallest balance first) and avalanche (highest interest first) methods — payoff date, interest and order.

Calculate your front-end and back-end debt-to-income ratios — the numbers mortgage and loan lenders use to judge what you can afford.

Calculate your overall and per-card credit utilization ratio — a major factor in your credit score — and how much to pay to get under 30% or 10%.

See whether a 0% balance transfer card saves money after the transfer fee — and what's left when the promotional rate ends.

Calculate your new salary after a percentage raise — or the raise percentage between an old and new salary — per year, month and hour.

Count a till, cash drawer or coin jar: enter how many of each US bill and coin you have and get the total instantly.

Add up all your subscriptions — streaming, apps, gym, software — to see what they really cost per month and per year.

See what a daily habit — coffee, takeout, cigarettes — costs over the years, and what the money could grow to if invested instead.

Estimate how much life insurance cover you need with the DIME method — debts, income replacement, mortgage and education — minus savings and existing cover.

Work out the sale price and how much you save — with stacked discounts (e.g. 20% off then an extra 10%) and sales tax.

Calculate the tip and split the bill between any number of people, with the option to round each share up.

Add sales tax, VAT or GST to a price, or remove it from a tax-inclusive price to find the net amount and the tax paid.

Compare products by price per unit — per 100 g, per kg, per litre or per item — to find which pack size is the best value.

Calculate zakat at 2.5% on cash, gold, silver, investments and business stock, checked against the gold or silver nisab using today's prices you enter.

Find what gold is worth by weight and purity — 24K, 22K, 21K, 18K or 14K — in grams, tola or troy ounces, using the price you enter.