Free Online Calculators & Tools
Fast, accurate money, tax and everyday calculators built for the USA, UK and Europe. Every calculation runs in your browser — nothing is uploaded, ever.
Last updated: October 2026.
Type to instantly filter every calculator on this page — try “paycheck”, “VAT” or “mortgage”.
Mortgage & Loans
Monthly payments, interest and how extra pay-off saves you money
↗Paycheck & Salary
Take-home pay after tax for the US, UK, Germany, Netherlands & Ireland
↗VAT & Sales Tax
Add or remove VAT and sales tax for 7+ countries
↗Savings & Investing
See compound growth on savings and investments over time
↗Retirement (401k)
Project your retirement savings with employer match
↗Health & Fitness
Daily calorie needs (TDEE) and health calculators
↗Everyday Tools
Percentage, age, word counter and discount calculators
↗Business Tools
Profit margin, markup and invoice generator for small business
↗Property & Stamp Duty
UK Stamp Duty Land Tax for any property price
↗Money Guides
Practical explainers on tax, salary and everyday money topics
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Money & Finance
Paychecks, mortgages, savings and taxes — with current 2026 rates for the US, UK and Europe.
2026 Take-Home Pay Index
Compare net pay across 24 US states and the UK, Ireland, Germany and the Netherlands — free CSV dataset.
Paycheck Calculator (US)
Take-home pay after federal tax, Social Security, Medicare and state tax.
1099 Tax Calculator
Self-employment tax, QBI and quarterly estimates for freelancers and gig workers.
UK Salary Calculator
Net pay after income tax, National Insurance and student loan.
Net Salary Germany
Gross-to-net pay after German income tax and social contributions.
Net Salary Netherlands
Bruto naar netto: take-home pay after Dutch tax and premiums.
Salary Calculator Ireland
Take-home pay after PAYE, USC and PRSI.
Mortgage Calculator
Monthly repayment, total interest, and how extra payments save you money.
Loan Calculator
Personal, auto and business loan payments with full interest breakdown.
Compound Interest
See savings and investments grow with monthly contributions.
401(k) Calculator
Project retirement savings with employer match and compound growth.
Stamp Duty Calculator (UK)
SDLT on any property — standard, first-time buyer and second homes.
Sales Tax Calculator (US)
Add or reverse sales tax with rates for every US state.
Profit Margin Calculator
Gross margin, markup and profit from cost and price.
Hourly to Salary Calculator
Convert any hourly rate to weekly, monthly and yearly pay.
VAT Calculators by Country
Add or remove VAT and sales tax using the correct standard rate for each country.
VAT Calculator (All rates)
Add or remove VAT at any rate, with a custom-rate option.
VAT Calculator Ireland (23%)
Add or remove 23% Irish VAT instantly.
VAT Calculator Germany (19%)
Add or remove 19% German VAT (MwSt).
VAT Calculator France (20%)
Convert between HT and TTC prices.
VAT Calculator Netherlands (21%)
Add or remove 21% Dutch btw.
VAT Calculator Spain (21%)
Add or remove 21% Spanish IVA.
VAT Calculator Italy (22%)
Add or remove 22% Italian IVA.
Everyday & Business Tools
Fast utilities for work and daily life — invoices, discounts, margins, health and more.
Invoice Generator
Create a professional invoice and print or save it as a PDF.
TDEE & Calorie Calculator
Daily calories to maintain, lose or gain weight.
From the Blog
Plain-English guides that explain the numbers behind the calculators.
Average Salary in the UK 2026
Regional breakdown from London to the North East, with take-home pay for each.
How Much Mortgage Can I Afford?
The 4.5x income rule, deposits and worked examples for every salary band.
Gross vs Net Salary in Europe
How much of a 50,000 salary you keep in the UK, Ireland, Germany and the Netherlands.
UK Take-Home Pay 2026/27
What £30k, £40k and £50k salaries really mean after tax and National Insurance.
VAT Rates in Europe 2026
A complete country-by-country comparison of standard and reduced VAT rates.
$60,000 After Tax in the US
How state taxes change your take-home pay — with worked examples.
Tax Code 1257L Explained
What the default UK tax code means for your pay
£110,000 After Tax UK
Take-home pay on a £110k salary in 2026
€60,000 After Tax Ireland
Take-home pay on a €60k salary
Average Salary in Ireland
CSO data by sector and region
Why FreeKalc?
100% free forever
No accounts, no paywalls, no limits.
Private by design
Every calculation runs in your browser — nothing is uploaded.
Up-to-date rates
Built on 2026 tax bands and official VAT rates.
Made for US, UK & Europe
Country-specific calculators, not one-size-fits-all.
Popular right now
$58,000 After Taxes (US)
Monthly, biweekly and hourly take-home pay
$48,000 After Taxes (US)
What $48k a year is worth in every state
$55,000 After Taxes (US)
Exact take-home after federal tax and FICA
$40,000 After Tax in California
State tax, FICA and monthly net pay
Illinois Paycheck Calculator
Take-home pay with Illinois state tax
Mortgage Affordability (UK)
How much you can borrow on your salary
Frequently asked questions
Are all FreeKalc calculators really free?
Yes — every calculator on freekalc.com is 100% free with no signup, no downloads and no usage limits. Calculations run entirely in your browser.
Which countries do the salary and tax calculators cover?
Our take-home pay calculators cover the United States (including all 50 states), the United Kingdom, Ireland, Germany and the Netherlands, plus VAT rates for six European countries.
How accurate are the results?
We build every calculator on official 2026 tax bands — IRS and state tables, HMRC and NI rates, Irish income tax with USC and PRSI, and published EU VAT rates. See our editorial policy for sources.
Do you store the numbers I enter?
No. Every calculation is processed locally in your browser and nothing is uploaded or saved on our servers.