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Kalkulo.eu

Free financial calculators by country

Free country-specific calculators for salary, tax, VAT, loans, property, leave and benefits across 21 markets. Built around local rules and official-rate inputs.

Use this English overview when you are not sure which local Kalkulo market you need. Each country section is built as its own calculator set, with local language labels, local currency formatting, country-specific rules and official-source context. The overview keeps the whole network discoverable without forcing one country's assumptions onto another country's search intent.

Available markets

Each market has localized calculators, local currency formatting and country-specific tax or benefit assumptions.

Why country-specific?

Tax brackets, social security thresholds, severance formulas, VAT rates and benefit rules differ by jurisdiction. Kalkulo keeps each calculator tied to a specific market, language and official-source context so the page answers one local search intent clearly.

That separation matters for accuracy. A gross-to-net salary result can change because of a national insurance cap, a regional income-tax band, a family allowance, a payroll rounding rule or a contribution base that only exists in one country. Loan and property tools also differ: some markets use APR language, some use national mortgage-cost terminology, and some have transaction taxes or reliefs that do not translate cleanly. Keeping the calculators local lets each page explain the relevant assumptions instead of hiding them behind a generic European formula.

What the calculators cover

Work and tax

Net salary, income tax, self-employed regimes, severance, sick leave, unemployment, holiday pay and country-specific deductions or allowances.

Business and VAT

VAT add/extract tools, small-business thresholds, freelancer comparisons, dividend extraction, microenterprise calculations and local business-tax scenarios.

Loans and property

Mortgage and personal-loan estimates, property transfer taxes, rental income, stamp duty, local property taxes and future comparison-page foundations.

Benefits and special cases

Family benefits, maternity or leave entitlements, tax traps, non-dom rules and market specific edge cases where a short local calculator is faster than a long official guide.

How to use the network safely

Start from the country where the tax, payroll, property or benefit rule applies, not from the language you personally prefer. Then check the calculator's data-updated date, official source link, worked example and assumptions. The result is designed to be a practical estimate, not a binding assessment. For tax filings, payroll decisions, mortgage offers or legal questions, verify the output with the relevant authority or a qualified professional.

If two markets look relevant, open both and compare the assumptions before using a number. Cross-border work, remote employment, foreign property and dual-residence tax questions often need professional advice because a simple calculator can only model one published rule set at a time.

Open-source approach: each calculator is on GitHub. Spotted an error in a formula? Send a PR or email [email protected]. Learn more about the methodology, publisher and privacy controls.