Free life-choice calculatorsFree to use
The number you think you’re earning
is almost never the right amount.
A salary isn’t what you’re paid. A mortgage isn’t what a house costs. Four a day isn’t four a day. These calculators put the hidden inputs back in: the commute, the unpaid overtime, the depreciation, the money you’d have earned elsewhere, and hand you the figure the sticker was hiding.
Find out the real amount →Find out the true numbers below
Each one takes about thirty seconds and asks for nothing but figures you already know.
Why these calculators
Every one of these is a decision people make on a single visible figure: the salary, the asking price, the nursery invoice, the price of a coffee, the price of petrol, while the numbers that actually move the outcome sit outside the frame. The maths involved isn’t hard. It’s just tedious enough that almost nobody does it, and expensive enough that everybody should.
Nothing is stored, nothing is sent anywhere, and there’s nothing to buy. Type your figures in, get the number, close the tab.
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Salary
What is your real hourly wage?
Add the commute, the unpaid overtime and the parking. See what an hour actually pays.
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Offers
Which job offer is financially better for you?
Price the holidays, pension and remote days. The bigger salary loses more often than you'd think.
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Housing
Should you stay renting or buy a house?
Find the year buying finally overtakes renting, with your deposit's lost growth counted in.
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Habits
What does your daily habit really cost?
Your coffee over thirty years, plus the investment growth you never got.
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Driving
What does a new car actually cost per mile?
Fuel is the part you notice and the smallest part. Depreciation and insurance decide the rest.
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Family
Is returning to work after a child actually worth it?
Childcare, the second commute, the takeaways. See what a returning salary is left with, and the pay you'd need to break even.
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Ireland
Ireland Fair Deal Scheme calculator
See exactly what you will pay from income and assets, what the HSE covers, and what the 3-year home cap means for your family.
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Ireland
How does Ireland's Budget 2026 affect my pay?
See your 2025 vs 2026 take-home pay side by side. USC bands, PRSI changes and tax credits all calculated line by line.
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Ireland
Ireland auto-enrolment pension calculator
See how My Future Fund affects your take-home pay. Your contribution, your employer match, the State top-up, and your projected pot at retirement.
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Need a different calculation?
Our AI calculator builder lets you describe any calculation in plain English and get a working calculator instantly. It is experimental, so always double-check the results before using them.
Every decision has two numbers.
Most people only use one.
The calculators make it easy to find the right one.