Free Finance & Tax Calculators

These calculators are for freelancers, homebuyers, small sellers and anyone comparing what something costs. Enter your own figures to see VAT, loan payments, freelance rates or the real cost of a payment plan. The results are arithmetic on your inputs and are not financial or tax advice. Everything runs in your browser and nothing is uploaded.

20 free tools 5 groups Runs in your browser Nothing uploaded
  • Freelance Rate CalculatorTurns a take-home target and overhead into minimum, recommended and stretch rates.
  • EU VAT CalculatorCovers all 27 EU member states and B2B reverse charge.
  • Stamp Duty Calculator UKCovers England, Scotland and Wales with a band-by-band breakdown.
  • Loan EMI CalculatorReturns monthly payment, total interest and a full amortisation schedule.

Freelance & Self-Employment

5 tools

Set a rate, convert it to a salary, invoice a client and compare home office deductions.

  • Consultants / Agencies

    Freelance Rate Calculator

    Enter take-home target, country, and overhead to get minimum, recommended, and stretch rates. Day rate and monthly retainer included.

    Min + rec + stretch rates
  • Freelancers & Contractors

    Freelance Day Rate to Salary Converter

    Convert your freelance day rate to an equivalent annual salary, or work backwards from a target income. Compare UK inside vs outside IR35 take-home and US self-employment tax.

    Rate ↔ salary · IR35 comparison · SE tax comparison
  • Freelancers / Sole Traders

    Invoice Generator

    Fill in a form and get a professional PDF invoice in 60 seconds. Line items, tax, payment terms, auto-incrementing invoice number. No watermark, no signup.

    PDF download - no watermark - no signup
  • Remote & Self-Employed Workers

    Home Office Tax Deduction Calculator

    Compare the simplified flat-rate method against the actual-expense method for home office tax deductions in the US, UK, and Canada, and see which one saves you more.

    US / UK / Canada · Simplified vs actual · Best-method recommendation
  • Remote Workers & Digital Nomads

    Digital Nomad Visa Qualifier

    See which digital nomad visa programs you qualify for based on your income and family size, with income thresholds, fees, visa duration, and tax notes for 18 countries.

    18 countries · Income thresholds · Fees & duration

VAT, Tax & Tariffs

4 tools

Add or remove VAT, see how a tariff reaches a shelf price and total staking rewards.

  • E-commerce

    EU VAT Calculator

    Enter net or gross price, pick buyer's country, get correct VAT rate and invoice total. B2B reverse charge. All 27 EU member states.

    All 27 EU countries
  • UK / EU Finance

    VAT Reverse Calculator

    Enter a gross price and rate to extract the net price and VAT amount. Add VAT or remove VAT. UK rates, all 27 EU countries, custom rate.

    Add or remove VAT + UK/EU rates + batch mode
  • Shoppers / Small Importers

    Tariff Cost Passthrough Calculator

    Turn a tariff percentage into the actual dollar increase on a product's shelf price, with an adjustable passthrough rate.

    Tariff rate to real price increase
  • Crypto Stakers

    Crypto Staking Rewards Tax Calculator

    Add each staking reward with its fair market value at receipt to see your total taxable income under the dominion-and-control principle.

    Taxable income per reward + totals by token

Currency & Shipping

2 tools

Exchange rate history and packaging costs for sellers.

  • Travelers / Finance

    Historical Exchange Rate Chart

    Pick any currency pair and date range to see a rate history chart, download as CSV, and see high/low/change stats. No signup, nothing uploaded.

    30+ pairs · 2 years · CSV download
  • E-commerce / Shipping

    Packaging Void Space Calculator

    Enter your box and product dimensions to see empty space, dimensional shipping weight, and estimated cost savings from a smaller box - plus a check against the EU PPWR Article 24 50% empty space cap.

    Void space % + shipping cost impact + box size fix

Mortgages & Loans

5 tools

Affordability, overpayments, stamp duty, monthly payments and the cost of buy now pay later.

  • Homebuyers / First-Time Buyers

    Mortgage Affordability Calculator

    Enter income, deposit, and monthly commitments to get maximum borrowing, property price, and monthly payment. No email needed.

    Max borrowing + property price + affordability check
  • Homeowners

    Mortgage Overpayment Calculator

    See how much interest you save and how many months you cut off by paying extra each month or making a lump sum payment.

    Months saved + interest saved
  • Homebuyers

    Stamp Duty Calculator UK

    England SDLT, Scotland LBTT, Wales LTT. First-time buyer relief, additional property surcharge, band-by-band breakdown and total cash needed.

    England + Scotland + Wales + FTB relief
  • Finance / Personal

    Loan EMI Calculator

    Enter principal, interest rate, and term to get monthly payment, total interest paid, and amortisation schedule. Overpayment impact, payoff date.

    EMI + total interest + overpayment savings
  • Buy-Now-Pay-Later Shoppers

    BNPL Total Cost Calculator

    Compare Klarna, Affirm, Afterpay and other buy now pay later plans side by side: effective APR, total cost, and per-installment amount.

    Effective APR + total cost comparison

Everyday Spending

4 tools

Purchasing power over time and what subscriptions or habits add up to.

  • Researchers / Finance

    Inflation & Purchasing Power Calculator

    See what money was worth in any year from 1913 onward. US CPI-U and UK RPI data, total and annual inflation rate, and a time-series chart.

    US + UK data + time-series chart
  • Heavy AI Tool Users

    AI Subscription Stack Cost Calculator

    Add every ChatGPT, Claude, Midjourney and other AI tool you pay for and see the total monthly and annual cost, plus cost-per-use per tool.

    Total monthly/annual cost + cost-per-use
  • Sober-Curious / Dry-Month Participants

    Sober Curious Budget Calculator

    Enter your typical drinks per week and price per drink to see monthly and annual alcohol-free savings, and how many weeks fund your goal.

    Monthly/annual savings + weeks-to-goal
  • People Cutting Screen Time

    Digital Detox Screen Time Savings Calculator

    Convert the screen time reduction you're considering into hours and dollars reclaimed per year.

    Hours + dollars reclaimed per year

Which tool do I need?

Finance & Tax FAQ

How do I take VAT off a gross price?

Enter the gross price and the rate in the VAT reverse calculator. It returns the net price and the VAT amount, with UK rates, all 27 EU countries and a custom rate option.

How is UK stamp duty calculated?

The stamp duty calculator applies band-by-band rates for England (SDLT), Scotland (LBTT) and Wales (LTT). It includes first-time buyer relief and the additional property surcharge, and shows the total cash needed.

What does the mortgage overpayment calculator show?

It shows how much interest you save and how many months you cut off by paying extra each month or making a lump sum payment.

How does the freelance rate calculator get its numbers?

Enter a take-home target, your country and your overhead. It returns minimum, recommended and stretch rates, plus a day rate and a monthly retainer.

What is the real cost of buy now pay later?

The BNPL calculator compares plans from providers such as Klarna, Affirm and Afterpay side by side, with effective APR, total cost and the amount of each installment.

Is this financial or tax advice?

No. The calculators do arithmetic on the numbers you enter and rates the tools list. For decisions about your own situation, speak to a qualified adviser or the relevant tax authority.

Last updated: September 30, 2026