Smarter answers for
everyday money decisions
Free calculators that go beyond a single number — see the assumptions, the trade-offs, and what the figures really mean for you. 16 countries, 13 languages, zero sign-up.
Property & Income
Compare costs before your biggest financial commitmentsRent vs Buy
Find the year buying actually pays off. Includes opportunity cost on your deposit, property tax, maintenance, and investment returns.
110K+ monthly searches
Open →True Car Cost
See what that car really costs over 5 years — depreciation, fuel, insurance, financing, the lot. Per mile, per kilometre, per month.
40K+ monthly searches
Open →Job Offer Comparison
Compare two offers side-by-side after tax, benefits, equity, and the daily cost of getting to the office.
25K+ monthly searches
Open →Wealth Building
Plan your path to financial independenceFIRE Calculator
Work out your financial-independence number and exactly how many years stand between you and quitting the 9-to-5.
90K+ monthly searches
Open →Compound Interest
Watch a monthly habit turn into life-changing money. Visualise the gap between what you put in and what your portfolio becomes.
200K+ monthly searches
Open →Debt Payoff
Avalanche vs Snowball, head-to-head: which clears your balances faster, and how much interest each route really saves you.
50K+ monthly searches
Open →Planning
Make smarter decisions about borrowing and self-employmentMortgage Affordability
How much can you actually borrow? Stress-tests every monthly payment against a 3% rate rise so you don’t get caught out.
150K+ monthly searches
Open →Freelance vs Salary
Day rate looks great — but does it beat a salary once tax, missing benefits, pension gap, and unbilled days are in the picture?
70K+ monthly searches
Open →Tax & Business
Self-employed, small-business, and disposal-tax breakdownsSelf-Employed Tax (US)
2025 Schedule C / 1099 calculator: SE tax, federal income tax, QBI deduction, and what to set aside each quarter — using current IRS brackets.
60K+ monthly searches
Open →Sole Trader vs Ltd Company (UK)
Should you incorporate? Compare your real take-home as a sole trader vs a UK limited company drawing salary + dividends, on 2025/26 HMRC rates.
20K+ monthly searches
Open →VAT Calculator
Add or remove VAT in 2 clicks. Standard + reduced rates for 16 countries, plus US sales-tax mode. Net, VAT, gross — all visible.
300K+ monthly searches
Open →Capital Gains Tax (US)
Short vs long-term, federal 0/15/20% bands, NIIT, and your state rate. See exactly what's left after Uncle Sam takes his cut.
80K+ monthly searches
Open →Capital Gains Tax (UK)
2025/26 rules: £3,000 annual exemption, 18%/24% bands, residential property. See the band split and your true after-tax gain.
40K+ monthly searches
Open →Giving
See the true after-tax cost of charitable donations16 countries, local tax rules
US, UK, Canada, Australia, India, Pakistan, Germany, France, Spain, Italy, Netherlands, Poland, Sweden, Norway, Denmark, Finland — every calculation uses your country’s real brackets and currency.
Real numbers, not ballparks
We use actual 2025/26 tax brackets, NIC thresholds, and allowances — never a flat “average rate” that misses the bands you actually fall into.
AI insights you can act on
Each result comes with plain-English observations: what’s driving the number, where the leverage is, and what would change the outcome.
Why RédeWise?
Most calculators hand you a single number and call it a day. We show you the working: the assumptions you’re relying on, the trade-offs you’re making, and the levers that actually move your result — so you walk away able to explain the decision to your partner, your accountant, or yourself.
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