Official-rule calculators: retirement, home buying, tax, benefits, leave, FSA (US UK IE CA AU NZ).
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URL: https://decisionscalc.com/mcpTools 80 found in our last check
ireland_what_can_i_claimIreland: list the social welfare payments and tax credits a household may get (Child Benefit, New Baby Grant, Working Family Payment, Maternity Benefit, Carer’s Allowance, State Pension, Fuel Allowance, Rent Tax Credit) with estimated amounts, using official 2026/2027 rates.
ireland_working_family_paymentIreland: estimate the Working Family Payment (weekly, tax-free) for a family, from gross pay, number of children and hours worked, using the official income limits (2026, and +€30 from January 2027) and the 60% rule.
ireland_rent_tax_creditIreland: how much Rent Tax Credit a renter can claim for each year 2022–2026 (20% of rent, capped per year), including back-claims. Claims for 2022 must be made by 31 December 2026 (Revenue four-year rule).
ireland_tax_back_checkIreland: estimate the income tax a PAYE worker can still claim back for each year 2022-2026 from the Rent Tax Credit, medical expenses, remote working relief, tuition fees and the Mortgage Interest Tax Credit, capped by the income tax paid each year, with the last date to claim…
ireland_mortgage_interest_tax_creditIreland: the Mortgage Interest Tax Credit for 2023-2026: 20% of the increase in mortgage interest over 2022, capped at EUR 1,250 a year for 2023-2025 and EUR 625 for 2026 (50% of the increase), for a home loan with a balance between EUR 80,000 and EUR 500,000 on 31 December 2022…
ireland_state_pension_years_abroadIreland: the State Pension (Contributory) for someone with years in the UK, an EU/EEA country or a bilateral agreement country: the Irish-only pension (520 paid contributions needed) against the pro-rata pension (notional full pension x Irish full-rate contributions / all contri…
ireland_sell_before_or_after_movingIreland: the Irish tax on selling assets held abroad (shares, EU/EEA/OECD funds and UCITS ETFs, non-OECD funds, a home abroad, a rental abroad, Irish land) in the year before moving to Ireland, in the arrival year before or after landing, or the year after: residence in the arri…
ireland_form_11_or_form_12Ireland: which income tax return to file. Form 11 (self-assessment, ROS) if taxable non-PAYE income is more than EUR 5,000, gross non-PAYE income is more than EUR 30,000, you hold more than 15% of a company as a proprietary director, a trade made nil profit or a loss, or you pro…
uk_pension_taxed_in_irelandIreland: how a UK pension is taxed for an Irish resident. UK State Pension: Irish income tax, no USC. UK workplace/private pension or annuity: taxed only in Ireland (Ireland-UK treaty Art. 17), income tax and USC, no PRSI; form Ireland-Individual stops UK tax. UK government serv…
ireland_small_gift_exemption_planIreland: plan yearly gifts under the CAT small gift exemption (the first EUR 3,000 a year from each giver is exempt and never aggregated) against a later inheritance in the same group; tax at 33% above the group threshold in force at each date (from 7 Oct 2026: A EUR 420,000, B…
uk_state_pension_age_and_forecastUK: exact State Pension age date from a date of birth under current law (66; 66 and 1-11 months for 6 Apr 1960 - 5 Mar 1961; 67 to 5 Apr 1977; fixed dates 6 May 2044 - 6 Mar 2046 for 6 Apr 1977 - 5 Apr 1978; 68 after), and a forecast reader: each qualifying year adds GBP 241.30/…
ireland_carers_allowanceIreland: estimate the weekly Carer’s Allowance from the official means test (income disregard €1,000/€2,000 from July 2026, €1,150/€2,300 from July 2027; savings bands; Department rate table).
ireland_jobseekers_pay_related_benefitIreland: Jobseeker’s Pay-Related Benefit week by week for a job lost on or after 28 March 2025: 60% of average gross weekly pay up to €450 (weeks 1–13), 55% up to €375 (14–26), 50% up to €300 (27–39) with 260+ paid PRSI contributions, or 50% up to €300 for 26 weeks with 104–259;…
ireland_fuel_allowanceIreland: check the Fuel Allowance means test (66+: €534 a week single, €640.80 from January 2027; under 66 needs a qualifying payment) and the 2026/27 season amount (€38, then €43 a week; €1,134 in lump sums).
ireland_state_pension_contributoryIreland: estimate the State Pension (Contributory) weekly rate under the Department’s Total Contributions Approach (paid PRSI + up to 520 credits + HomeCaring Periods; 2,080 for the full rate).
ireland_budget_2027_take_homeIreland: take-home pay in 2026 against 2027 after Budget 2027 (income tax bands and credits, USC, PRSI, rent credit), line by line.
ireland_maternity_leave_payIreland: each parent’s take-home pay in the year of maternity/paternity/parent’s leave against a normal year (Maternity Benefit €299 a week in 2026, €309 from 2027; taxed but no USC or PRSI), the household gap and a monthly saving target. Use this for an Irish couple’s after-tax…
ireland_help_to_buyIreland: Help to Buy refund for a first-time buyer of a new build or self-build: the lesser of €35,000 (contracts from 7 October 2026; €30,000 before), 10% of the price, or income tax + DIRT paid in the previous 4 years; price limit €500,000; mortgage at least 70% of the price.…
ireland_capital_gains_taxIreland: capital gains tax on a disposal (shares, crypto, property other than your home): 31% for disposals from 7 October 2026 (33% before), 33% on development land, €1,270 annual exemption, losses, and the payment deadline (15 December for January–November disposals). Not for…
ireland_inheritance_gift_taxIreland: Capital Acquisitions Tax (CAT) on a gift or inheritance: group threshold by relationship (A child €420,000, B sibling/niece/nephew/grandchild/parent €44,000, C everyone else €22,000 from 7 October 2026; €400,000/€40,000/€20,000 before), 33% above the unused threshold af…
ireland_myfuturefund_pensionIreland: MyFutureFund (pension auto-enrolment, started January 2026): what you, your employer and the State pay in (1.5/1.5/0.5% rising to 6/6/2% by year 10, on pay up to €80,000) and the projected pot at retirement.
ireland_where_to_put_savingsIreland: compare where a lump sum ends up after tax over a number of years: State Savings (tax-free), a bank deposit (DIRT 33%), ETFs (exit tax with 8-year deemed disposal), shares (CGT 31%) and a pension (tax relief). Growth for market products is an assumption you set.
ireland_investment_account_vs_etf_vs_pensionIreland: the new Individual Investment Account (IIA) under the Finance (No. 2) Bill 2026 as published on 19 October 2026 (not yet law; opens 1 July 2027 by ministerial order): up to €12,000 a year in, money only, 1% investment account tax a year on the average daily value above…
ireland_overpay_mortgage_or_investIreland: overpay the mortgage, invest, or top up a pension? Compares the same lump sum and/or extra monthly amount four ways at a horizon, after Irish tax: overpaying (keep the payment and shorten the term, or reduce the payment; interest saved, months cut, a tax-free return equ…
ireland_pcp_vs_car_loanIreland: PCP vs car loan (credit union or bank) vs paying cash for a car. PCP: deposit or trade-in, level monthly payments that leave the GMFV (balloon) owed at the end, then pay the GMFV to own the car or hand it back (excess-km charge applied on hand back only); you do not own…
ireland_moving_home_compareIs it worth moving home to Ireland? Compares what a person or couple keeps each month where they live now (UK or Scotland, Australia, Canada with province, or the US with state) with an Irish job offer in 2027: take-home pay (Irish Budget 2027 income tax, USC and PRSI with the R…
ireland_farm_transfer_taxIreland: tax on passing a farm by gift or inheritance, with and without the farm reliefs. CAT 33% over the group threshold (Group A €420,000, B €44,000, C €22,000 from 7 Oct 2026, aggregated since 1991; €3,000 small gift exemption) with agricultural relief (90% off agricultural…
uk_pension_drawdownUK: is my pension pot enough? One person living on a defined contribution pot in drawdown (plus ISAs, the new State Pension and any DB pension), year by year from tax year 2027-28 to an end age. Taxes every withdrawal with UK income tax (England, Wales and NI or Scotland; person…
netherlands_30_rulingNetherlands: what the 30% ruling (expat scheme) saves in income tax for 2026, or 2027 when the maximum falls to 27% (Tax Plan 2025). Allowance = the smallest of 30%/27% of salary, salary minus the norm (2026: €48,013, or €36,497 under 30 with a master's; 2027 new rulings €52,521…
uk_payments_on_accountUK Self Assessment: what is due on 31 January (balancing payment for the year just ended + first payment on account for the next) and 31 July (second payment on account). Each payment on account is half of the previous year's Self Assessment bill (income tax + Class 4 NI); none…
ireland_severance_taxIreland: how much of a redundancy or severance package is tax-free and the tax on the rest (Revenue Tax and Duty Manual Part 05-05-19, March 2026). Statutory redundancy is exempt; of the ex-gratia lump sum, the highest of the basic exemption (€10,160 + €765 per complete year), t…
car_ownership_5_year_costThe true 5-year cost of owning a car (US, UK, Canada, Australia, Ireland, Switzerland or New Zealand): depreciation, loan interest, insurance, fuel or charging, maintenance and sales tax, plus the effective monthly cost. Any input left out uses that country's default (the calcul…
compound_interestCompound interest: what a starting amount plus monthly contributions grows to at a given annual rate, and how much of the final balance is money paid in versus interest. Compounding monthly unless set. Pure arithmetic, before tax and inflation. Use this for "how much will my sav…
debt_avalanche_vs_snowballDebt payoff: compares the avalanche (highest interest rate first) with the snowball (smallest balance first) for a list of debts and an extra monthly payment. Returns months to debt-free and total interest for each, and how much the avalanche saves. Flags debts the payments neve…
salary_negotiation_lifetime_valueWhat negotiating a higher starting salary is worth over a career: the extra pay over the years with the same yearly raises (each raise builds on the higher base), plus what saving a share of the difference grows to. Inputs left out use the country defaults from the calculator pa…
remote_work_savingsWhat working from home saves (or costs) in a year compared with commuting: car or transit commuting costs, lunches and work clothes saved, less extra home utilities, internet and equipment, and any pay cut. Driving cost uses the country's official per-mile or per-km rate. Inputs…
college_cost_totalThe full cost of a degree: net tuition after grants, housing and food, books, transport, loan interest (10-year repayment) and the pay given up while studying. US defaults are College Board 2026-27 public four-year figures; other countries use the calculator page's defaults. Use…
home_buying_first_year_costThe first-year cost of buying a home on top of the deposit and the loan principal: one-off buying costs (closing costs or stamp duty and fees, moving) and the year's mortgage interest, property tax, insurance, HOA or service charge, mortgage insurance and maintenance. Inputs lef…
emergency_fund_targetHow big an emergency fund should be for a household: essential monthly spending times a recommended number of months (3 to 9) that rises with less stable work, a single income and higher health risk; plus the gap to close and how many months it takes at a given monthly saving. A…
fire_numberUS: financial independence (FIRE) number and timeline: the portfolio needed to cover yearly spending at a safe withdrawal rate (default 4%), with and without Social Security capitalised, how many years it takes at your saving rate and real return, and whether you reach it by a t…
wedding_cost_estimateEstimated wedding cost by country (US, UK, Canada, Australia, Ireland, Switzerland, New Zealand): venue, catering, photography, music, flowers, attire, stationery, officiant, transport and extras for a guest count, style, season, day and region, with the cost per guest and a con…
australia_super_guaranteeAustralia: the employer super guarantee (12% of ordinary time earnings from 1 July 2025; paid with each payday under Payday Super from 1 July 2026), per payday and per year, plus salary sacrifice against the $32,500 concessional cap and the 15% contributions tax (ATO). Use this…
cost_of_raising_a_childWhat raising a child to 18 costs (US, UK, Canada, Australia, Ireland, Switzerland, New Zealand): everyday costs by age band, pre-school childcare, an optional housing share and inflation, less child benefit where the country pays it. Inputs left out use the country defaults from…
pet_cost_lifetimeWhat a dog or cat costs (US, UK, Canada, Australia, Ireland, Switzerland, New Zealand): first-year cost (adoption, setup, training), yearly running costs (food by care level, vet, insurance, grooming, toys, boarding, dog walker, an emergency vet reserve) and the lifetime total f…
chronic_illness_yearly_costThe yearly cost of living with a chronic condition: insurance premiums, specialist and lab visits, prescriptions, supplies, over-the-counter items, therapy, travel and diet, plus lost work time and productivity on your salary. Inputs left out use the country defaults from the ca…
aging_parent_care_costYearly cost of caring for an aging parent (US by state; also UK, Canada, Australia, Ireland, Switzerland, New Zealand by region): the care itself (for example home health aide, adult day care, assisted living, memory care, nursing home, or family care only) less any coverage, me…
japan_trip_costWhat a trip to Japan costs from the US, UK, Canada, Australia or Ireland, in the traveller's currency and in yen: return flights, rooms, daily spending, an optional Japan Rail Pass at the official price, the ¥1,000 departure tax and the Tokyo and Kyoto accommodation taxes (offic…
rent_vs_buyRenting vs buying a home (US, UK, Canada, Australia, Ireland, Switzerland or New Zealand): the net cost of each over the years you stay, counting the deposit's lost investment return, buying and selling costs, mortgage interest, property tax, maintenance, price growth and rent i…
netherlands_box3_2026Netherlands: box 3 tax (income from savings and investments) for tax year 2026 as the Belastingdienst calculates it on the provisional assessment (transitional legislation): notional returns 1.28% on bank balances (provisional), 6.00% on investments and other assets, 2.70% on de…
ireland_pension_tax_reliefIreland: income tax relief on personal pension contributions and AVCs (occupational scheme, PRSA, RAC, PEPP): the age-related limit (under 30 15%, 30-39 20%, 40-49 25%, 50-54 30%, 55-59 35%, 60+ 40% of earnings up to €115,000), relief at the marginal rate (2026 or Budget 2027 ba…
ireland_can_i_retireIreland: can I retire at 60 (or any age)? Year-by-year projection to 95 for one person or a couple: pay and pension contributions until retirement, DC pots drawn at retirement (25% lump sum: first €200,000 tax-free, next €300,000 at 20%; the rest to an ARF with the 4%/5%/6% impu…
uk_can_i_retireUK: can I retire at 60 with £300k (or any age and pot)? Year by year to 95 for one person or a couple, on the 2027-28 rules after Budget 2026: pay and pension contributions until retirement, pots drawn from the normal minimum pension age (55, 57 from 6 April 2028) with 25% tax-f…
canada_can_i_retireCanada: can I retire at 60 with $500k (or any age and pot)? Year by year to 95 for one person or a couple: RRSP contributions until retirement, RRSP to RRIF (by 71) with the RRIF minimum withdrawal, CPP from the chosen age (−0.6%/month before 65, +0.7% after), OAS from 65-70 (ye…
australia_can_i_retireAustralia: can I retire at 60 with $500k in super (or any age and balance)? Year by year to 95 for one person or a couple: super guarantee and salary sacrifice (15% contributions tax), super from preservation age 60 into a tax-free account-based pension with the minimum drawdown…
ireland_landlord_rental_taxIreland: tax on residential rental income for an individual landlord: profit after mortgage interest (deductible only for RTB-registered tenancies), other expenses and 12.5% wear and tear, income tax at the marginal rate on top of salary (2026 or Budget 2027 bands), the Resident…
ireland_sell_or_keep_rentalIreland: should a landlord sell a rental property now or keep it? Compares wealth after tax year by year over N years (default 10): KEEP = rent (growth capped at 2% or CPI under the rent control from 1 March 2026) less costs, mortgage and Case V tax at the marginal rate, plus gr…
uk_stamp_duty_england_niUK: Stamp Duty Land Tax for England and Northern Ireland at 2026/27 rates, band by band: standard, first-time buyer relief (nil to £300,000, up to £500,000) or additional property (+5% on every band), plus the 2% non-resident surcharge.
scotland_lbttScotland: Land and Buildings Transaction Tax at 2026/27 rates, band by band, with first-time buyer relief (nil band to £175,000) or the 8% Additional Dwelling Supplement.
wales_lttWales: Land Transaction Tax at 2026/27 rates, band by band (nil band £225,000 for everyone; no first-time buyer relief) or the higher rates for additional properties.
canada_ei_maternity_parentalCanada (outside Quebec): EI maternity and parental benefits for 2026: 55% of insurable earnings up to $729 a week (standard) or 33% up to $437 (extended), 15 weeks maternity, parental weeks, one-week waiting period. Use this for detailed Canadian EI weeks and amounts; for Quebec…
quebec_qpipQuebec: QPIP (RQAP) parental insurance for 2026 for both parents: basic or special plan, birth or adoption, earnings up to $103,000, weekly amounts and totals, with the shareable weeks split between parents. Use this for Quebec residents (not EI); for a one-line gross comparison…
australia_private_health_rebate_mlsAustralia: private health insurance rebate (1 April 2026 – 31 March 2027) and Medicare Levy Surcharge for 2026–27 by income tier, single or family, and age band: whether hospital cover saves you tax.
new_zealand_kiwisaverNew Zealand: KiwiSaver balance at 65 under the 2026 rules (default and employer minimum 3.5%, 4% from April 2028; government contribution 25c per $1 up to $260.72; ESCT on employer contributions; PIR tax on returns). Returns are an assumption you set.
parental_leave_income_gapStatutory parental leave pay for a birth parent and the income gap against normal pay (gross, before tax) in the UK (Statutory Maternity Pay), Ireland (Maternity Benefit), Canada (EI), Quebec (QPIP), Australia (Parental Leave Pay) or a US state’s paid family and medical leave (u…
parental_leave_bill_splitHow a couple can share the household bills while one parent is on parental leave: the parent on leave’s statutory pay (UK SMP, Ireland Maternity Benefit, Canada EI, Quebec QPIP, Australia Parental Leave Pay or a US state’s paid leave; us-XX = unpaid FMLA) plus any employer top-u…
us_dependent_care_fsa_vs_creditUS, tax year 2026: whether a dependent care FSA (limit $7,500 a household, employer money included) or the child and dependent care credit (50% of up to $3,000 / $6,000 of care costs, phasing to 35% from $15,000 of AGI and to 20% above $75,000, $150,000 joint) saves more, and th…
us_pension_lump_sum_vs_monthlyUS: a defined benefit pension’s lump sum offer against its monthly payments. Returns the interest rate the pension is paying (the discount rate at which the monthly payments, each weighted by the chance of being alive from the SSA 2023 period life table used in the 2026 Trustees…
us_divorce_asset_split_after_taxUS divorce, tax year 2026: the after-tax value of each asset for the spouse who receives it (transfers are tax-free under 26 U.S.C. 1041 but the receiver keeps the cost basis), with long-term capital gains at the 2026 0/15/20% thresholds and 3.8% NIIT, the $250,000 home sale exc…
uk_voluntary_ni_from_abroadUK State Pension for people living outside the UK: which gap years (2020–21 to 2026–27) can still be filled with voluntary National Insurance after the 6 April 2026 change, at Class 2 (£3.65/wk, years to 2025–26 only) or Class 3 (£18.40/wk), each year’s cost and 5 April deadline…
ireland_etf_exit_tax_lotsIreland: exit tax on ETF purchases (lots): each lot’s 8-year deemed disposal dates, the tax due at each (41% to 2025, 38% in 2026, 35% from 2027 under Budget 2027) and the credit back when you sell. Values not given are grown at the rate you set (an assumption).
uk_stamp_duty_on_dateEngland and Northern Ireland: Stamp Duty Land Tax on a purchase completed on any date from 1 December 2003 to today, using the rates in force that day (slab system before 4 December 2014, slices after; first-time buyer relief from 22 November 2017; 3% then 5% higher rates for ad…
uk_statutory_maternity_payUK: Statutory Maternity Pay (2026/27): 90% of average weekly pay for 6 weeks, then £194.32 or 90% if lower for 33 weeks; average pay must be at least £129 a week. Optional employer scheme (full-pay weeks, then half pay plus SMP), and the gap against normal pay before tax.
australia_parental_leave_payAustralia: Parental Leave Pay for one or two parents sharing the 130 days (A$200.94 a day from 1 July 2026, the national minimum wage) with 12% super paid on it, optional employer full-pay weeks, and the gap against normal pay before tax.
ireland_budget_2027_welfareIreland: the extra a household gets in social welfare from January 2027 under Budget 2027: core weekly payments +€10, Fuel Allowance +€5 a week (28-week season), Living Alone Allowance +€3, Child Support Payment +€6 per child; Child Benefit unchanged at €140 a month per child.
us_medicaid_spend_downUS nursing-home Medicaid, 2026: savings above the state asset limit (the spend-down), what a spouse at home keeps (CSRA $32,532-$162,660 by the state rule) and their monthly income allowance (MMMNA $2,705-$4,066.50), months the savings pay for care, the look-back penalty (gifts…
uk_care_home_feesUK care home fees, 2026/27, by nation (England, Scotland, Wales, Northern Ireland): weeks until savings (and the home after the 12-week disregard) fall to the upper capital limit (£23,250 England/NI, £36,750 Scotland, £50,000 Wales) and the council helps; then tariff income (£1…
ireland_fair_deal_contributionIreland Nursing Homes Support Scheme (Fair Deal): the weekly contribution (80% of assessable income and 7.5% a year of assets over €36,000; a couple 40% of combined income and 3.75% over €72,000), what the HSE pays, the contribution after the 3-year cap on the home, and the Nurs…
home_buying_cash_neededBuying a home in the US, UK, Canada, Australia or Ireland: the cash needed on the day and the monthly cost. Purchase tax from the official schedules with first-time buyer relief (England and NI SDLT, Scotland LBTT, Wales LTT; Canadian land transfer tax or registration fee by pro…
baby_first_year_costWhat a baby costs in the first year (US, UK, Canada, Australia, Ireland, Switzerland): the out-of-pocket birth cost (US only, by plan and delivery: employer plan $2,500 vaginal / $4,500 C-section, HDHP $5,000 / $8,500, ACA marketplace $4,500 / $7,500, Medicaid $300 / $500; our e…
ireland_rent_a_room_reliefIreland: is the rent from a room in your own home tax-free under Rent-a-Room relief (section 216A TCA, Revenue Tax and Duty Manual Part 07-01-32)? Gross income (rent plus meals, laundry and cleaning) is exempt from income tax, USC and PRSI up to €14,000 a year in 2026 and €16,00…
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| Endpoint | https://decisionscalc.com/mcp (Streamable HTTP) |
| First published | 12 Nov 2026 |
| Last updated | 12 Nov 2026 |
| Registry name | com.decisionscalc/calculators |
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