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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 (58 published)
Long-Term Care Insurance 2026: Do You Need It and What Does It Cost 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 Do You Actually 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 You Must 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, how they differ from a flat surcharge, and a worked £250,000 example. Scotland Additional Dwelling Supplement (ADS) 2026: the 8% 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, and a worked example with LBTT. 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 — with a worked £290,000 example. Saving in Ireland (2026): DIRT, State Savings & How Your Money Grows How savings interest is taxed in Ireland — the 33% DIRT rate, which An Post State Savings products are DIRT-free, the over-65 exemption, and how compound growth works after tax. UK AVC Pension Top-Ups 2026/27: What They Cost and the 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, and when topping up is worth it. How to Avoid the Medicare Levy Surcharge (2025-26, Australia) The Medicare Levy Surcharge is avoidable: hold appropriate private hospital cover for the full year. The 2025-26 thresholds, what counts as appropriate cover, the exemptions, and when cover beats the surcharge. UK Stamp Duty Rates by Year (2014-2026): How SDLT Has Changed A clear history of UK SDLT: the 2014 slice reform, the 2016 additional-property surcharge, the 2020-21 holiday, the 2022 threshold rise, and the 2025 reversion to today's bands. UK Stamp Duty Surcharges 2026/27: Second Homes, Buy-to-Let & Non-Residents 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, and when you can claim a refund. Bridging to Pension Age: Funding Early Retirement Before You Can Touch Your Pension 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, and which accounts to use across the UK, AU, US, CA, IE and CH. 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, stamp/transfer taxes and the hidden year-one costs. 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 — plus the deferral bonus each system offers. 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 each. 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, minus home-office costs. 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, and why used beats new everywhere. The True Cost of a Baby's First Year: 6-Country Comparison (2026) Year-one baby costs compared across the US, UK, Canada, Australia, Ireland and Switzerland — birth, childcare, lost income and the public support that changes the maths. Scotland Stamp Duty (LBTT) Rates & Bands 2026: What You Will Pay Scotland's LBTT for 2026/27 — the bands, the £175k first-time buyer relief, the 8% Additional Dwelling Supplement, worked examples, and how it differs from English SDLT. 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, and how it differs from SDLT and LBTT. Medicare Levy Surcharge 2025-26 (Australia): Rates, Thresholds & How to Avoid It The Australian Medicare Levy Surcharge for 2025-26 — the 1%/1.25%/1.5% rates, income thresholds, who pays, and how private hospital cover lets you avoid it. Parental Leave by Province in Canada (2026): How Many Weeks You Get Job-protected maternity and parental leave length by province — Ontario, BC, Alberta and more — and how it differs from federal EI benefit weeks, plus Quebec QPIP. 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 — with a CHF 1,000,000 example. 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 2025-26 at 12%: What It Means for 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, and the payslip checks worth ten minutes. 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, and the filling order for most savers. 30 Hours Free Childcare in England: Who Qualifies and What It Is Worth 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: How Much You Get & How to Qualify EI maternity and parental benefits for 2026 — the $729/week standard and $437/week extended caps, the 600-hour qualifying rule, standard vs extended, BC/Ontario vs Quebec QPIP, and top-ups. 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: Tiers, Thresholds & Surcharge 2026 (Australia) The 2025–26 rebate tiers and income thresholds, Medicare Levy Surcharge rates, and the age-31 Lifetime Health Cover loading — with the exact rebate percentages by income and age. UK Stamp Duty (SDLT) Rates & Bands 2026: What You Will Actually Pay Current 2026/27 SDLT rates and bands, what changed in April 2025, first-time buyer relief, the 5% additional-property surcharge, and worked examples at £290k, £450k and £750k. 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 Actually 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. 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 Hidden 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.