llms.txt
+200 −72
https://decisionscalc.com/llms.txt
− > Free cost calculators for life's big decisions (weddings, moving abroad, buying a home, a new baby, raising a child, retirement) for the US, UK, Canada, Australia, Ireland and Switzerland. Every figure names its source, a checked date and whether it is official or our estimate. General information, not financial, tax or immigration advice.− - [UK Stamp Duty (SDLT) Calculator](https://decisionscalc.com/tools/uk-stamp-duty-calculator/): England & NI stamp duty at 2026/27 rates, band by band, with first-time buyer and additional-property options.− - [Scotland LBTT Calculator](https://decisionscalc.com/tools/scotland-lbtt-calculator/): Land and Buildings Transaction Tax, including the 8% Additional Dwelling Supplement charged on the whole price.− - [Wales LTT Calculator](https://decisionscalc.com/tools/wales-ltt-calculator/): Land Transaction Tax on Welsh Revenue Authority bands, including the separate higher-rate table for additional properties.− - [Australian Private Health Rebate Calculator](https://decisionscalc.com/tools/australia-private-health-rebate-calculator/): Income-tested rebate tiers against the Medicare Levy Surcharge — whether cover costs less than the surcharge.− - [Budget 2027 Calculator (Ireland)](https://decisionscalc.com/tools/ireland-budget-2027-calculator/): Your take-home pay in 2027 against 2026: the new tax bands and credits, USC, rent credit and the PRSI rise.− - [Where Should My Money Go? (Ireland)](https://decisionscalc.com/tools/ireland-savings-investment-calculator/): State Savings, a deposit after DIRT, an ETF after exit tax, shares after CGT and a pension after relief: what is left for you in each.− - [Pension Tax Relief Calculator (Ireland)](https://decisionscalc.com/tools/ireland-pension-tax-relief-calculator/): Tax relief on pension contributions and AVCs: your age-related limit (15% to 40% of earnings up to €115,000), relief at 20% or 40%, what each contribution really costs and how much more you can add.− - [Landlord Tax Calculator (Ireland)](https://decisionscalc.com/tools/ireland-landlord-tax-calculator/): Tax on rental income: mortgage interest (RTB registered), wear and tear, the €1,000 landlord relief, income tax at your marginal rate, USC with the 3% surcharge and PRSI, for 2026 or 2027.− - [Inheritance Tax Calculator (Ireland, CAT)](https://decisionscalc.com/tools/ireland-inheritance-tax-calculator/): Gift and inheritance tax at 33% with the Budget 2027 thresholds from 7 October 2026 (€420,000 / €44,000 / €22,000), earlier gifts, the €3,000 small gift exemption and your deadline.− - [Rent Tax Credit Calculator (Ireland)](https://decisionscalc.com/tools/ireland-rent-tax-credit-calculator/): How much you can claim for 2022 to 2027: 20% of your rent up to €1,000 a year (€1,150 in 2027). 2022 claims close 31 December 2026.− - [Fuel Allowance Calculator (Ireland)](https://decisionscalc.com/tools/ireland-fuel-allowance-calculator/): Do you pass the means test? €534 limit for over-66s (€640.80 from January 2027), under-66 limits, savings, and €1,134 for the 2026/27 season.− - [What Can I Claim? (Ireland)](https://decisionscalc.com/tools/ireland-what-can-i-claim/): One check for your household: Child Benefit, Working Family Payment, Maternity Benefit, Carer’s Allowance, State Pension, Fuel Allowance and the Rent Tax Credit.− - [State Pension (Contributory) Calculator (Ireland)](https://decisionscalc.com/tools/ireland-state-pension-calculator/): Your weekly rate under the Total Contributions Approach: paid PRSI, credits, HomeCaring Periods and what is missing for the full pension.− - [Jobseeker’s Benefit Calculator (Ireland)](https://decisionscalc.com/tools/ireland-jobseekers-benefit-calculator/): Pay-related Jobseeker’s Benefit week by week: 60%, 55% then 50% of your pay, the €450 cap, redundancy, part-time days and when to apply.− - [Carer’s Allowance Calculator (Ireland)](https://decisionscalc.com/tools/ireland-carers-allowance-calculator/): The official means test: €2,000 couple disregard (€2,300 from July 2027), earnings after PRSI, savings bands and the €2.50 rate steps.− - [Working Family Payment Calculator (Ireland)](https://decisionscalc.com/tools/ireland-working-family-payment-calculator/): Do you qualify, and how much a week? Official income limits for 2026 and 2027, your pay after tax and pension, and the 60% rule.− - [Maternity Leave Pay Calculator (Ireland)](https://decisionscalc.com/tools/ireland-maternity-benefit-calculator/): Maternity, Paternity and Parent’s Benefit after tax against your normal pay: the household gap and what to save each month.− - [Ireland CGT Calculator](https://decisionscalc.com/tools/ireland-cgt-calculator/): Capital Gains Tax at the new 31% rate from 7 October 2026: gain, €1,270 exemption, losses and the date to pay.− - [Help to Buy Calculator (Ireland)](https://decisionscalc.com/tools/ireland-help-to-buy-calculator/): Your Help to Buy refund at the new €35,000 cap (Budget 2027), First Home Scheme equity by county, and the deposit you still need.− - [MyFutureFund Calculator](https://decisionscalc.com/tools/ireland-myfuturefund-calculator/): Ireland auto-enrolment: what you, your employer and the State pay at every phase (1.5% to 6%) and your pot at retirement.− - [Paid Family Leave Calculator (US states)](https://decisionscalc.com/tools/us-paid-family-leave-calculator/): Weekly paid family leave benefit, paid weeks and lost pay in the 12 states and DC with paid leave, on each state’s 2026 formula, with every state compared at your salary.− - [UK Voluntary NI from Abroad Calculator](https://decisionscalc.com/tools/uk-voluntary-ni-abroad-calculator/): Living outside the UK: which missing years you can still buy (Class 2 or Class 3), each year’s deadline, and what it adds to your UK State Pension after the April 2026 change.− - [KiwiSaver Calculator](https://decisionscalc.com/tools/kiwisaver-calculator/): New Zealand: your KiwiSaver at 65 under the 3.5% rules (4% from 2028), with employer ESCT, the government contribution, PIR tax and fees.− - [Canada EI Benefit Calculator](https://decisionscalc.com/tools/canada-ei-benefit-calculator/): Employment Insurance maternity and parental benefits, the insurable earnings ceiling, and standard versus extended.− - [Québec QPIP Calculator](https://decisionscalc.com/tools/quebec-qpip-calculator/): Québec Parental Insurance Plan (RQAP) benefits, basic or special plan, shared weeks split between parents, compared with EI.− - [Wedding Budget Planner](https://decisionscalc.com/wedding-budget-planner/): $15 one-time; budget, payment schedule, quotes and guest list, six country editions.− - [Moving Abroad Planner](https://decisionscalc.com/moving-abroad-planner/): $15 one-time; costs, month-by-month timeline, savings target and checklist for Australia, Canada, Ireland and the UK.− - [Irish ETF Exit Tax Tracker](https://decisionscalc.com/irish-etf-tax-tracker/): $15 one-time; every holding's 8-year deemed disposal dates, exit tax due each year (38% in 2026, 35% from 2027) and the credit on sale. Free one-holding calculator on the page.− - [Parental Leave Planner](https://decisionscalc.com/parental-leave-planner/): $19 one-time; week-by-week leave pay for both parents, the household income gap and a savings target, with US (state paid family leave in 12 states and DC), UK, Australia, Ireland and Canada (EI and Quebec QPIP) editions. Free gap calculator on the page.− - `ireland_maternity_leave_pay` ([page](https://decisionscalc.com/tools/ireland-maternity-benefit-calculator/)): Ireland: 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.− - `canada_ei_maternity_parental` ([page](https://decisionscalc.com/tools/canada-ei-benefit-calculator/)): Canada (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.− - `quebec_qpip` ([page](https://decisionscalc.com/tools/quebec-qpip-calculator/)): Quebec: 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.− - `parental_leave_income_gap` ([page](https://decisionscalc.com/parental-leave-planner/)): Statutory 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 (us-CA, us-NY, us-NJ, us-WA, us-MA and the rest; us-XX = no state program, FMLA unpaid), with an optional employer top-up.− - `uk_voluntary_ni_from_abroad` ([page](https://decisionscalc.com/tools/uk-voluntary-ni-abroad-calculator/)): UK 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, and the State Pension gain (1/35 of £241.30 a week per year, up to 35 years) with payback.− - [Help to Buy & the First Home Scheme in Ireland (2026)](https://decisionscalc.com/articles/ireland-help-to-buy-first-home-scheme/): Up to €30,000 back from tax you have already paid, plus shared equity of up to 30%. How Ireland two first-time buyer schemes work, what they are worth.− - [Cost of Living in Switzerland (2026): A Monthly Budget](https://decisionscalc.com/articles/cost-of-living-switzerland/): Swiss salaries look enormous until you see the outgoings. Rent, compulsory health insurance, groceries and tax.− - [FAFSA and Financial Aid 2027-28: What You Will Actually Get](https://decisionscalc.com/articles/fafsa-financial-aid-guide/): The Student Aid Index, the Pell Grant maximum, and the OBBBA changes that alter who qualifies. How to read an aid offer and what the numbers really mean.− - [How Much Can You Borrow? UK Mortgage Affordability in 2026](https://decisionscalc.com/articles/uk-mortgage-affordability/): The 4.5× salary rule is widely misunderstood — it caps lenders, not you. How income multiples.− - [Cost of Having a Baby in Australia (2026): Full Breakdown](https://decisionscalc.com/articles/cost-of-having-a-baby-australia/): What a baby actually costs in Australia — public vs private birth, the 26-week Parental Leave Pay change from 1 July 2026, Child Care Subsidy.+ > Free cost calculators for life's big decisions (weddings, moving abroad, buying a home, a new baby, raising a child, retirement) for the US, UK, Canada, Australia, Ireland, New Zealand and Switzerland. Every figure names its source, a checked date and whether it is official or our estimate. General information, not financial, tax or immigration advice.+ - [UK Stamp Duty (SDLT) Calculator](https://decisionscalc.com/tools/uk-stamp-duty-calculator/): England & NI stamp duty at 2026/27 rates, band by band, with first-time buyer and additional-property options. (figures checked 2026-11-07)+ - [Scotland LBTT Calculator](https://decisionscalc.com/tools/scotland-lbtt-calculator/): Land and Buildings Transaction Tax, including the 8% Additional Dwelling Supplement charged on the whole price. (figures checked 2026-11-07)+ - [Wales LTT Calculator](https://decisionscalc.com/tools/wales-ltt-calculator/): Land Transaction Tax on Welsh Revenue Authority bands, including the separate higher-rate table for additional properties. (figures checked 2026-11-07)+ - [Australian Private Health Rebate Calculator](https://decisionscalc.com/tools/australia-private-health-rebate-calculator/): Income-tested rebate tiers against the Medicare Levy Surcharge — whether cover costs less than the surcharge. (figures checked 2026-11-07)+ - [Super Guarantee Calculator (Australia)](https://decisionscalc.com/tools/australia-super-guarantee-calculator/): What your employer pays into super in 2026-27: 12% each payday under Payday Super, up to the $270,830 maximum, and your room under the $32,500 cap. (figures checked 2026-11-08)+ - [Parental Leave Pay Calculator (Australia)](https://decisionscalc.com/tools/australia-parental-leave-pay-calculator/): Parental Leave Pay from 1 July 2026: 130 days shared between parents, plus 12% super, and the gap against your normal pay. (figures checked 2026-11-08)+ - [Bill Split on Parental Leave Calculator](https://decisionscalc.com/tools/parental-leave-bill-split-calculator/): Who pays what while one of you is on leave: real statutory leave pay (UK, Ireland, Australia, Canada, US states) split 50/50, by income, or so you both keep the same money, plus the pension gap. (figures checked 2026-11-03)+ - [Budget 2027 Calculator (Ireland)](https://decisionscalc.com/tools/ireland-budget-2027-calculator/): Your take-home pay in 2027 against 2026: the new tax bands and credits, USC, rent credit and the PRSI rise. (figures checked 2026-11-03)+ - [Where Should My Money Go? (Ireland)](https://decisionscalc.com/tools/ireland-savings-investment-calculator/): State Savings, a deposit after DIRT, an ETF after exit tax, shares after CGT and a pension after relief: what is left for you in each. (figures checked 2026-11-02)+ - [Irish Investment Account Calculator (IIA vs ETF vs Pension)](https://decisionscalc.com/tools/ireland-investment-account-calculator/): The new Individual Investment Account from July 2027 (Finance (No. 2) Bill 2026): 1% a year on the average value above €50,000 and up to €12,000 a year in, against an ETF after 35% exit tax and deemed disposal, shares after CGT and a pension after relief. (figures checked 2026-11-10)+ - [Overpay Mortgage or Invest? (Ireland)](https://decisionscalc.com/tools/ireland-overpay-mortgage-or-invest-calculator/): Overpay the mortgage, invest in an ETF or shares, or top up a pension: what each leaves you after exit tax and deemed disposal, CGT and pension relief, and the growth needed to beat overpaying. (figures checked 2026-11-02)+ - [Is It Worth Moving Home to Ireland?](https://decisionscalc.com/tools/ireland-moving-home-calculator/): What you keep each month now against an Irish job offer: tax, rent in every county, childcare after the subsidy and Child Benefit, and the Irish salary you would need. From the UK, US, Australia or Canada. (figures checked 2026-11-12)+ - [Farm Transfer Tax Calculator (Ireland)](https://decisionscalc.com/tools/ireland-farm-transfer-tax-calculator/): Passing the farm to a son or daughter: CAT with agricultural relief and the €420,000 threshold, the parent’s CGT with retirement relief, stamp duty with consanguinity and young trained farmer relief, and what to keep for 6 years. (figures checked 2026-11-12)+ - [PCP vs Car Loan vs Cash (Ireland)](https://decisionscalc.com/tools/ireland-pcp-vs-car-loan-calculator/): A PCP against a credit union or bank loan and paying cash: monthly payments, cost of credit, the GMFV, the half rule, excess mileage, equity and the savings interest lost after DIRT. (figures checked 2026-11-10)+ - [Irish ETF Exit Tax Calculator](https://decisionscalc.com/tools/ireland-etf-exit-tax-calculator/): Every 8-year deemed disposal across your ETF purchases, the exit tax due at 38% (2026) or 35% (from 2027) and the credit carried forward. (figures checked 2026-11-02)+ - [Pension Tax Relief Calculator (Ireland)](https://decisionscalc.com/tools/ireland-pension-tax-relief-calculator/): Tax relief on pension contributions and AVCs: your age-related limit (15% to 40% of earnings up to €115,000), relief at 20% or 40%, what each contribution really costs and how much more you can add. (figures checked 2026-11-03)+ - [Rent-a-Room Relief Calculator (Ireland)](https://decisionscalc.com/tools/ireland-rent-a-room-relief-calculator/): Is your room rent tax-free? Rent, meals and laundry under €14,000 in 2026 or €16,000 from 2027, joint owners, and the tax if you go over. (figures checked 2026-11-08)+ - [Landlord Tax Calculator (Ireland)](https://decisionscalc.com/tools/ireland-landlord-tax-calculator/): Tax on rental income: mortgage interest (RTB registered), wear and tear, the €1,000 landlord relief, income tax at your marginal rate, USC with the 3% surcharge and PRSI, for 2026 or 2027. (figures checked 2026-11-07)+ - [Sell or Keep My Rental? (Ireland)](https://decisionscalc.com/tools/ireland-sell-or-keep-rental-calculator/): Sell your rental now or keep it? Both paths after tax over 10 years: net rent under the 2% cap after income tax, USC and PRSI, against selling (31% CGT, selling costs, relief clawback) and investing the proceeds. (figures checked 2026-11-04)+ - [Redundancy and Severance Tax Calculator (Ireland)](https://decisionscalc.com/tools/ireland-severance-tax-calculator/): How much of your package is tax-free: statutory redundancy, the basic and increased exemptions, SCSB with or without your pension lump sum, the €200,000 lifetime cap, and income tax and USC on the rest. (figures checked 2026-11-06)+ - [Inheritance Tax Calculator (Ireland, CAT)](https://decisionscalc.com/tools/ireland-inheritance-tax-calculator/): Gift and inheritance tax at 33% with the Budget 2027 thresholds from 7 October 2026 (€420,000 / €44,000 / €22,000), earlier gifts, the €3,000 small gift exemption and your deadline. (figures checked 2026-11-03)+ - [Rent Tax Credit Calculator (Ireland)](https://decisionscalc.com/tools/ireland-rent-tax-credit-calculator/): How much you can claim for 2022 to 2027: 20% of your rent up to €1,000 a year (€1,150 in 2027). 2022 claims close 31 December 2026. (figures checked 2026-11-03)+ - [Fuel Allowance Calculator (Ireland)](https://decisionscalc.com/tools/ireland-fuel-allowance-calculator/): Do you pass the means test? €534 limit for over-66s (€640.80 from January 2027), under-66 limits, savings, and €1,134 for the 2026/27 season. (figures checked 2026-11-03)+ - [Tax Back Checker (Ireland)](https://decisionscalc.com/tools/ireland-tax-back-checker/): What you can still claim back for 2022 to 2026: rent, medical, remote working, tuition and mortgage interest credits, year by year, with each year’s last date. 2022 claims close 31 December 2026. (figures checked 2026-11-13)+ - [Form 11 or Form 12? (Ireland)](https://decisionscalc.com/tools/ireland-form-11-or-form-12/): Which income tax return you file: the €5,000 net and €30,000 gross non-PAYE tests, proprietary directors, nil-profit trades, and the deadline. (figures checked 2026-11-13)+ - [Is My UK Pension Taxed in Ireland?](https://decisionscalc.com/tools/uk-pension-taxed-in-ireland/): UK State, workplace and government pensions for Irish residents: where each is taxed, USC, stopping UK tax, and the Irish tax on a UK lump sum. (figures checked 2026-11-13)+ - [Small Gift Exemption Planner (Ireland)](https://decisionscalc.com/tools/ireland-small-gift-exemption-planner/): €3,000 a year from each giver, outside the CAT threshold: the tax on a later inheritance with and without yearly gifts. (figures checked 2026-11-13)+ - [Mortgage Interest Tax Credit Calculator (Ireland)](https://decisionscalc.com/tools/ireland-mortgage-interest-tax-credit-calculator/): What you can claim for 2023 to 2026: 20% of the rise in interest over 2022, up to €1,250 a year (€625 for 2026), with part years and two people paying. (figures checked 2026-11-13)+ - [What Can I Claim? (Ireland)](https://decisionscalc.com/tools/ireland-what-can-i-claim/): One check for your household: Child Benefit, Working Family Payment, Maternity Benefit, Carer’s Allowance, State Pension, Fuel Allowance and the Rent Tax Credit. (figures checked 2026-11-03)+ - [Can I Retire at 60? Retirement Calculator (Ireland)](https://decisionscalc.com/tools/ireland-retirement-calculator/): How long your money lasts, year by year to 95, for you or a couple: lump sum tax, ARF minimum drawdown, bridge years to the State Pension at 66, and income tax, USC and PRSI on the 2027 rules. (figures checked 2026-11-04)+ - [30% Ruling Calculator (Netherlands)](https://decisionscalc.com/tools/netherlands-30-ruling-calculator/): What the Dutch 30% ruling saves you in 2026, and at 27% from 2027: salary norms, the cap, and your income tax with and without it, from the Belastingdienst’s own tables. (figures checked 2026-11-10)+ - [Box 3 Calculator 2026 (Netherlands)](https://decisionscalc.com/tools/netherlands-box-3-calculator/): Your 2026 box 3 tax on savings and investments, step by step as the Belastingdienst calculates it: notional returns 1.28% / 6.00% / 2.70%, the €59,357 allowance, tax partners and green investments. (figures checked 2026-11-10)+ - [Payments on Account Calculator (UK)](https://decisionscalc.com/tools/uk-payments-on-account-calculator/): What you pay on 31 January and 31 July: the Self Assessment balancing payment and payments on account, the £1,000 and 80% rules, capital gains tax and student loans. Reproduces the gov.uk example. (figures checked 2026-11-10)+ - [UK Pension Drawdown Calculator: Is My Pot Enough?](https://decisionscalc.com/tools/uk-pension-drawdown-calculator/): Is £900k enough at 55? How long drawdown lasts, the spending that lasts to 95, the chance it survives bad markets (Monte Carlo) and the tax on every withdrawal: 25% tax-free cash or UFPLS, £268,275 allowance, State Pension, frozen allowances, Scotland. (figures checked 2026-11-10)+ - [Can I Retire at 60? Retirement Calculator (UK)](https://decisionscalc.com/tools/uk-retirement-calculator/): Can I retire at 60 with £300k? Year by year to 95 for you or a couple: 25% tax-free cash within the £268,275 allowance, drawdown tax, State Pension age by date of birth, minimum pension age 57 from 2028, Scottish tax. (figures checked 2026-11-09)+ - [Can I Retire at 60? Retirement Calculator (Canada)](https://decisionscalc.com/tools/canada-retirement-calculator/): Can I retire at 60 with $500k? Year by year to 95: CPP and OAS at the age you choose, OAS clawback, GIS, RRIF minimums, pension splitting and federal plus provincial tax (not Quebec). (figures checked 2026-11-09)+ - [Can I Retire at 60? Retirement Calculator (Australia)](https://decisionscalc.com/tools/australia-retirement-calculator/): Can I retire at 60 with $500k super? Year by year to 95: super from 60, minimum drawdowns, the Age Pension income and assets tests with deeming, SAPTO and the Medicare levy. (figures checked 2026-11-09)+ - [State Pension With Years Abroad (Ireland)](https://decisionscalc.com/tools/ireland-state-pension-years-abroad-calculator/): Worked in the UK, EU, US, Canada or Australia? Whether your years abroad get you an Irish State Pension, the pro-rata amount for 2027 and what the UK pays. (figures checked 2026-11-13)+ - [Sell Before or After Moving to Ireland?](https://decisionscalc.com/tools/ireland-sell-before-or-after-moving-calculator/): The Irish tax on selling shares, ETFs or a home abroad before or after you arrive: residence in the arrival year, no split-year for gains, 31% CGT and 35% on funds from 2027. (figures checked 2026-11-13)
Showing the first 40 of each.