Money

Japan Net Salary Calculator: Annual Income to Take-Home Pay

Calculate your Japanese take-home pay from annual income, prefecture, and family status, factoring in social insurance, income tax, and resident tax. Free, no sign-up.

German Salary Calculator (Brutto Netto Rechner) – Gross to Net Pay

Free German salary calculator (Brutto Netto Rechner): enter gross annual salary, tax class, church tax and number of children to instantly calculate income tax, social insurance and net pay.

French Salary Calculator (Salaire Brut en Net)

Free French take-home pay calculator: enter your gross annual salary, cadre status and withholding tax rate to instantly calculate social contributions and net pay after tax.

Take-Home Pay Calculator UK

Free UK take-home pay calculator: enter your gross annual salary to instantly estimate Income Tax, National Insurance and student loan repayments, with separate Scottish tax bands.

Self-Employed Tax Calculator (UK) — Income Tax & Class 4 NI

Free UK self-employed tax calculator for sole traders. Enter your annual turnover and expenses to estimate take-home pay after Income Tax and Class 4 National Insurance, with automatic Trading Allowance comparison.

UK Dividend Tax Calculator — Director's Salary & Dividends

Free UK take-home pay calculator for Limited Company directors. Enter your annual director's salary and dividends to estimate take-home pay after Income Tax, Class 1 National Insurance and Dividend Tax, with automatic Di...

Paycheck Calculator – US Salary Calculator (Take-Home Pay)

Free US paycheck calculator: enter your gross annual salary and filing status to instantly estimate federal income tax, Social Security and Medicare tax, plus a simplified state tax comparison.

Bonus Tax Calculator (US, Percentage Method)

Estimate the take-home pay on your US bonus using the IRS Percentage Method (22%/37% federal withholding) plus FICA and a simplified state tax, free and instant. Supports no-tax states and California.

Self-Employment Tax Calculator (US)

Enter your annual net profit as a US freelancer or sole proprietor to estimate your Self-Employment Tax under Schedule SE (12.4% Social Security + 2.9% Medicare), plus any Additional Medicare Tax and the deductible half.

Spain Net Salary Calculator (Salario Bruto a Neto)

Free Spanish take-home pay calculator: enter your gross annual salary, contract type and dependent children to instantly calculate Social Security contributions and IRPF income tax withholding.

Italy Net Salary Calculator (Calcolo Stipendio Netto)

Free Italian take-home pay calculator: enter your gross annual salary and number of yearly payments (13th or 14th month) to instantly calculate INPS social security contributions, IRPEF income tax and regional/municipal...

Freelancer Take-Home Pay Simulator (Japan) — Income Bracket Quick Reference

Enter your business revenue and expenses to instantly calculate take-home income after National Health Insurance, National Pension, income tax, and resident tax are deducted. Includes quick reference figures for income l...

Gross-Up Calculator — Reverse-Calculate Salary from Take-Home Pay

Enter your desired annual take-home pay and reverse-calculate the required gross annual salary (Japan). Useful for salary negotiations when changing jobs or going freelance.

Japan Bonus Take-Home Pay Calculator (Free) | Social Insurance & Withholding Tax

Instantly estimate your bonus take-home pay in Japan for free — enter the gross bonus and last month's salary to calculate health, pension, and employment insurance plus withholding tax. Supports prefecture-specific rate...

Overtime Pay Calculator - Overtime, Late-Night & Holiday Wage Premiums (Japan)

Enter your hourly wage plus overtime, late-night (10pm-5am), and statutory holiday hours to instantly calculate the premium wage breakdown and total under Japan's Labor Standards Act Article 37, including the 50%+ premiu...

Paid Leave Days Calculator - Entitlement & Balance from Your Hire Date (Japan)

Enter your hire date plus weekly working days and hours to instantly calculate how many days of statutory paid leave you should currently hold and your next grant date, based on Japan's Labor Standards Act Article 39. Co...

Furusato Nozei Limit Calculator

Calculate the maximum deductible donation amount for Japan's furusato nozei (hometown tax donation) system based on your annual salary and family structure.

Salary to Hourly Wage Converter | Annual, Monthly & Daily Pay

See what your annual salary is per hour — instantly convert between annual, monthly, daily, and hourly pay. Handy for job offers, freelance rate-setting, and comparing side-hustle income, with a quick-reference table inc...

Japan Income Percentile & Deviation Score Calculator

Enter your annual income to see what percentile and deviation score ("hensachi") it corresponds to among salaried workers in Japan, based on the National Tax Agency's salary distribution survey.

Maternity Allowance Calculator (Japan Shussan Teatekin)

Enter your average standard monthly remuneration and the number of pre/post-natal leave days to estimate the maternity allowance (shussan teatekin) paid by Japanese health insurance. Supports the 42-day (98-day for multi...

Sickness and Injury Allowance Calculator (Japan Shobyo Teatekin)

Enter your average standard monthly remuneration and total days off work to estimate the sickness and injury allowance (shobyo teatekin) paid by Japanese health insurance. Accounts for the 3-day waiting period and the li...

High-Cost Medical Expense Benefit Calculator (Japan Kogaku Ryoyohi)

Enter your income category and monthly medical costs to estimate the out-of-pocket limit and refund amount under Japan's high-cost medical expense benefit system, based on the official formula shared by health insurance...

Medical Expense Deduction Calculator (Japan Iryohi Kojo)

Enter your annual medical expenses, insurance reimbursements, and total income to estimate the medical expense deduction and the resulting income and resident tax refund under Japan's official tax formula (Income Tax Act...

Self-Medication Tax System Calculator (Japan)

Enter your annual purchases of eligible switch OTC medicines to estimate the deduction under Japan's Self-Medication Tax System (Act on Special Measures Concerning Taxation, Article 41-17) and the resulting income and re...

Specific Expense Deduction Calculator

Enter your commuting, relocation, training, qualification, and other job-related expenses to calculate the Japanese Specific Expense Deduction under Income Tax Act Article 57-2, plus estimated income and resident tax sav...

Life Insurance Premium Deduction Calculator

Enter your annual life insurance premiums for the general, nursing-care-medical, and individual pension categories to automatically calculate Japan's life insurance premium deduction (income tax and resident tax) under b...

Earthquake Insurance Premium Deduction Calculator

Enter your annual earthquake insurance and former long-term casualty insurance premiums to automatically calculate Japan's earthquake insurance premium deduction (income tax and resident tax).

Japan Childcare Leave Benefit Calculator

Enter your wages for the 6 months before leave and your planned leave duration to estimate the childcare leave benefit ("ikuji kyugyo kyufukin") paid by Japan's employment insurance, including the postpartum leave suppor...

Freelancer Pension & Retirement Fund Comparison (iDeCo vs. National Pension Fund vs. Small Enterprise Mutual Aid)

Compare three Japanese pension/retirement schemes for freelancers and sole proprietors — iDeCo, the National Pension Fund, and the Small Enterprise Mutual Aid — by tax savings and estimated future payout.

Japan Employees' Pension (Kosei Nenkin) Estimate Calculator

Estimate your Japanese public pension (Employees' Pension + Basic Pension) by entering your average standard remuneration, enrollment months, and claim age. Includes early/late claim adjustment rates.

Severance Pay Take-Home Calculator (Retirement Income Deduction & Separate Taxation)

Enter your lump-sum severance amount, years of service, and whether you are an officer/director to automatically calculate the retirement income deduction, income tax (with reconstruction surtax), and resident tax, and s...

Japan "Income Wall" Calculator (¥1.03M/1.06M/1.30M/1.50M Walls)

Enter your annual income to see how crossing Japan's "income wall" thresholds (¥1.03M/1.23M, ¥1.06M, ¥1.30M, ¥1.50M) changes your take-home pay, with a chart. Reflects the 2025 tax reform and the 2026 rule change.

Home Loan Calculator

Enter the loan amount, interest rate, and loan term to calculate the monthly payment, total repayment, and total interest. Supports the equal principal-and-interest repayment method.

Mortgage Refinance Calculator — Break-Even & Total Savings

Compare your current mortgage with a refinance. Estimate monthly savings, remaining interest, closing-cost break-even time, and total lifetime savings.

HELOC Repayment Calculator — Draw Period vs. Repayment Period

Estimate how your HELOC payment changes when the interest-only draw period ends and the fully amortizing repayment period begins. See the total interest and payment increase.

Cash-Out Refinance Calculator | Compare Tapping Equity vs. a Separate Loan

Compare a cash-out refinance, where you take a new mortgage larger than your current balance to receive the difference in cash, against keeping your current loan and borrowing the same amount through a separate loan.

Home Equity Loan Calculator | Monthly Payment, Total Interest & Combined Loan-to-Value (CLTV)

Calculate the monthly payment and total interest for a fixed-rate, lump-sum home equity loan (second mortgage) taken on top of your existing mortgage, plus your combined loan-to-value (CLTV) ratio.

HELOC vs. Home Equity Loan Calculator

Compare a HELOC (line of credit) against a fixed-rate home equity loan for the same amount borrowed. See side-by-side monthly payments, total interest, total cost, and combined loan-to-value (CLTV).

DTI Calculator (Debt-to-Income Ratio)

Calculate your front-end DTI (housing only) and back-end DTI (all debts) from your monthly income and housing, auto loan, student loan, and credit card payments, and see how you compare to common mortgage lending guideli...

Home Affordability Calculator

Estimate how much house you can afford from your monthly income, existing debt payments, down payment, interest rate, and loan term, using both a conservative 28/36-rule scenario and a maximum FHA-style approval scenario...

Net Worth Calculator

Enter your assets (cash, investments, retirement accounts, real estate, vehicles) and liabilities (mortgage, auto loan, credit cards) by category to calculate your net worth and see a breakdown chart of each side.

Mortgage Repayment Method Comparison (Equal Installment vs Equal Principal)

Enter the loan amount, interest rate, and term to compare the monthly payment, total repayment, and total interest of equal installment repayment versus equal principal repayment, side by side.

Debt Payoff Calculator (Snowball vs. Avalanche)

Enter each debt's balance, interest rate, and minimum payment along with your extra monthly payment to compare the Snowball method (smallest balance first) and the Avalanche method (highest rate first) for payoff time an...

Auto Loan Calculator

Enter the vehicle price, down payment, trade-in value, interest rate, and loan term to calculate the monthly payment, total payment, and total interest for your car loan.

Car Lease Payment Calculator

Enter the vehicle price, down payment, residual value rate, interest rate, and lease term to calculate your monthly lease payment, total payment, and total interest.

Auto Loan vs Lease Comparison

Enter the vehicle price, down payment, interest rate, and term to compare the monthly payment and total cost of buying with an auto loan versus leasing, side by side.

Car Depreciation Calculator

Estimate how much a car will be worth in the future. Enter the purchase price and this calculator models the typical curve of a large first-year drop followed by a gradually declining rate.

Car Affordability Calculator (20/4/10 Rule)

Estimate how much car you can afford based on your income, existing debt, down payment, loan term, and interest rate, using the 20/4/10 rule. See the maximum loan amount and vehicle price you can comfortably manage.

Car Total Cost of Ownership (TCO) Calculator

Calculate the true cost of owning a car by combining loan interest, fuel, insurance, maintenance, and depreciation loss over your ownership period into one total cost of ownership figure.

Rent vs Buy Comparison Simulator

Compare the total cost of renting versus buying a home, factoring in the mortgage, property tax, maintenance, and resale value, and see the break-even year when buying starts to pay off.

Savings & Investment Calculator — Lump Sum + Monthly, Year by Year

Combine an initial lump sum with monthly contributions and see your compound growth broken down year by year — principal vs. investment returns at every step, not just a final number.

CD Calculator (Certificate of Deposit)

Free CD calculator: enter your deposit, APY, and term to estimate your certificate of deposit payout, then compare it against a high-yield savings account (HYSA).

Money Market Account Calculator (CD vs. HYSA vs. MMA)

Free money market account calculator: enter your deposit and term to compare a CD, a high-yield savings account (HYSA), and a money market account (MMA) side by side.

CD Ladder Calculator

Free CD ladder calculator: split a deposit across staggered CD terms, reinvest each rung as it matures, and project your balance and effective yield over time.

T-Bill Calculator (Treasury Bill Yield)

Free T-Bill calculator: enter a Treasury bill's face value, term, and purchase price or discount rate to get its bank discount yield, investment yield, and effective annual yield.

New NISA Simulator (Tsumitate & Growth Investment Quotas)

Enter your monthly Tsumitate (installment) investment and annual Growth investment amounts along with an expected return, and simulate the future tax-free balance under Japan's New NISA lifetime limit — plus how much tax...

Investment Return Calculator (Free Compound Interest Simulator)

Free tool to simulate the future value of your investment. Enter principal, annual rate, period, and compounding frequency to see year-by-year growth in an interactive chart.

Capital Gains Tax Calculator (US Federal)

Free capital gains tax calculator: enter your purchase price, sale price, holding period, and other taxable income to estimate the US federal tax on a long-term or short-term gain.

Learn Technical Indicators (MACD, RSI, Bollinger Bands)

Learn how MACD, RSI, Bollinger Bands, and moving averages (SMA/EMA) work with an interactive sample chart, including common buy/sell signal patterns.

Inflation Calculator

Enter your amount, annual inflation rate, and time period to simulate the erosion of purchasing power. Useful for retirement planning and long-term savings analysis.

Retirement Savings Calculator

Enter your current age, retirement age, savings, expected return, monthly expenses, and pension to calculate how much you need to save each month to reach your retirement goal.

401k Calculator (Employer Match & Roth vs. Traditional)

Free 401k calculator with employer match. Enter your age, salary, and contribution rate to project your retirement balance and compare Traditional vs. Roth 401(k) tax treatment.

IRA Calculator (Traditional vs Roth)

Enter your age, estimated income (MAGI), and annual contribution to project your U.S. IRA (Traditional IRA or Roth IRA) balance at retirement, including any reduction to your contribution or deduction from income limits.

SEP IRA Calculator (Self-Employed Contribution Limit)

Enter your annual self-employment net profit or W-2 compensation to estimate the maximum contribution you can make to a U.S. SEP IRA. Uses the effective 20% rate for self-employed individuals and 25% for W-2 compensation...

Solo 401(k) Calculator (Self-Employed Individual 401k)

Enter your annual net profit (or W-2 compensation) and age to estimate the maximum contribution to a US Solo 401(k), an individual 401(k) for self-employed business owners with no employees, split into employee deferral...

Backdoor Roth IRA Calculator (Pro-Rata Rule)

Enter your existing Traditional IRA balance, nondeductible contributions, and conversion amount to estimate the taxable portion of a Backdoor Roth IRA conversion under the IRS pro-rata rule.

Mega Backdoor Roth Calculator (401(k) After-Tax Contribution Room)

Enter your age and your employee and employer 401(k) contributions to estimate the after-tax contribution room available for a mega backdoor Roth, based on the IRS Section 415 annual limit.

RMD Calculator (Required Minimum Distribution)

Free RMD calculator for 2026. Enter your age and prior December 31 IRA balance to estimate your Required Minimum Distribution and five-year withdrawal schedule.

Coast FIRE Calculator

Enter your current age, portfolio value, expected return, and target retirement number to see whether you've already reached Coast FIRE — the point where growth alone gets you to your goal without any more contributions.

Barista FIRE Calculator

Enter your current portfolio value, expected annual expenses, expected part-time income, and safe withdrawal rate (like the 4% rule) to see whether your portfolio withdrawals plus part-time income can cover your living e...

Savings Rate & Financial Independence (FI) Calculator

Enter your monthly take-home income and expenses to calculate your savings rate, then see roughly how many years it would take to reach financial independence (25 times your annual expenses, based on the 4% rule).

Real Estate Investment Calculator

Enter property price, purchase costs, monthly rent, vacancy rate, and annual expenses to calculate gross yield, net yield, monthly cash flow, and payback period.

Japanese Inheritance Tax Simulator | Estimate Tax From Estate Value and Heirs

Estimate Japan's inheritance tax by entering the total estate value and heir composition (spouse, number of children). Calculates the taxable estate after the basic exemption and the total tax using the National Tax Agen...

Lifetime Gift Planner | Simulate Annual Gifting vs. Inheritance Tax (Japan)

Enter your total estate value, heir composition, and a planned annual gift amount to compare the combined gift tax and inheritance tax burden of Japan's annual gift exemption (暦年贈与) against doing no lifetime gifting...

Lump-Sum Gift Settlement Simulator | Estimate Combined Gift & Inheritance Tax (Japan)

A free simulator that estimates the gift tax due under Japan's lump-sum gift settlement system (相続時精算課税) and the final inheritance tax owed when the donor passes away (including the gift tax credit and any refund)...

Life Insurance Inheritance Tax Exemption Calculator | Estimate the Tax Difference

Enter the total death benefit received and the heir composition (spouse, number of children) to estimate the life insurance tax exemption (5 million yen x number of statutory heirs) and the difference in total inheritanc...

Life Insurance Needs Calculator | Estimate How Much Coverage You Need

Enter your current annual income, family composition (spouse, number of children, years until your youngest child becomes independent), existing savings, and expected survivor pension or spouse income to estimate how muc...

Term Life vs Income Protection Insurance Comparison | Compare Premiums for the Same Coverage

Enter your current age, insurance period, and desired coverage amount to compare premiums between level term life insurance and income protection (decreasing term) insurance for free.

Spousal Inheritance Tax Reduction Calculator | First & Second Inheritance Combined

Enter the total estate value, the amount the surviving spouse actually inherits, and the number of children to estimate the tax owed after the spousal tax reduction (exempt up to 160 million yen or the spouse's statutory...

Small-Scale Residential Land Exception Calculator | Reduce Land Value up to 80%

Enter the land's taxable value, site area, and land use type (residential, business, or rental) to estimate the reduction from Japan's small-scale residential land exception and its tax savings on the total inheritance t...

Inheritance Tax Minor & Disability Deduction Simulator | Estimate Deductions and Tax Owed

Enter the total estate value, the statutory heir composition, and the age of the qualifying heir to estimate the deduction and tax owed under Japan's inheritance tax minor deduction (100,000 yen x (18 - age)) and disabil...

Consecutive Inheritance Tax Credit Simulator | Reduce Tax When Inheritance Occurs Within 10 Years

Enter the total estate value, the statutory heir composition, the tax paid on the first inheritance, its net asset value, and the years elapsed to estimate the consecutive inheritance tax credit (Japan's Inheritance Tax...

Foreign Tax Credit Simulator for Inheritance Tax | Ease Double Taxation on Overseas Assets

Enter the total estate value, the statutory heir composition, the value of the overseas property, and the tax charged abroad to estimate the foreign tax credit under Article 20-2 of Japan's Inheritance Tax Act and the ta...

Japanese Inheritance Tax 20% Surcharge Simulator | How Much More Do Non-Spouse/Child Heirs Pay?

Enter the total estate value, the composition of statutory heirs, the relationship of the person receiving the assets, and their acquisition ratio to estimate whether the 20% surcharge under Article 18 of the Japanese In...

Japanese Special Contribution Payment Inheritance Tax Simulator | How Much Tax on a Caregiving Claim?

Enter the total estate value, the composition of statutory heirs, and the special contribution payment amount to estimate the inheritance tax owed by the contributor (including the 20% surcharge) and the adjustment to th...

Spousal Residence Right Valuation Simulator | How Much Is the Inheritance Tax Value?

Enter the building's inheritance tax value, structure type, years since construction, the number of years the spousal residence right will last, and the land value, and this free simulator instantly calculates the inheri...

Base Estate Value Calculator for Forced Heirship | Factor In Lifetime Gifts for an Accurate Figure

Enter the estate value at death, a list of lifetime gifts (amount, timing, and recipient), and the debts, and this free simulator automatically calculates the base estate value for forced heirship under Article 1044 of J...

Forced Heirship Claim Simulator | Did a Will or Gift Leave You Short of Your Reserved Portion?

Enter the estate value, the heirs involved, the claimant's relationship, and the amount they actually received, and this free simulator instantly calculates the forced heirship claim (Article 1046 of Japan's Civil Code).

Forced Heirship Apportionment Calculator | How Multiple Recipients Share the Burden

When there are multiple recipients (of a bequest or lifetime gift) facing a forced heirship claim, this free simulator applies Article 1047 of Japan's Civil Code to work out exactly how much each one owes.

Special Benefit Advancement Calculator | Simulate Each Heir's Concrete Share

Enter the total estate value and each heir's lifetime gifts or bequests (special benefits), and this free simulator automatically calculates the deemed estate, statutory share, and concrete share under Article 903 of Jap...

Contribution Share (Kiyo-bun) Calculator | Simulate Your Concrete Inheritance Share

Enter the total estate value and each heir's contribution amount (business labor, nursing care, etc.) to instantly calculate the deemed estate, statutory share, and concrete inheritance share under Japanese Civil Code Ar...

Combined Special Benefit & Contribution Share Calculator | Simulate Concrete Inheritance Shares in an Estate Division

Enter the total estate value along with each heir's special benefit amount and contribution share amount to instantly calculate the deemed estate, statutory share, and concrete share, accounting for both Civil Code Artic...

Excess Advancement Reapportionment Calculator | Reallocate an Inheritance Fairly

When an heir's lifetime gifts or bequests exceed their rightful share (an "excess advancement heir"), free simulator that excludes them and reapportions the actual estate among the remaining heirs.

Electricity Cost Calculator | Estimate Monthly Bill by Appliance

Enter each appliance's wattage, usage time, and electricity rate to estimate your monthly electricity bill. Add multiple appliances and see the total cost at a glance.

Car Maintenance Cost Calculator | Monthly & Annual Running Costs

Enter vehicle tax, optional insurance, inspection fees, parking, and gasoline costs to estimate the total monthly and yearly cost of keeping your car on the road.

Vehicle Tax Calculator (Japan)

Enter your engine displacement (for regular cars) or vehicle type (for kei cars) along with the first registration date to estimate Japan's annual automobile tax or light vehicle tax, including whether the aged-vehicle s...

Vehicle Tax Proration Calculator (Japan)

Estimate the prorated Japanese automobile tax when you register a regular or compact car partway through the fiscal year, or deregister (scrap) one. Enter the displacement, fuel type, and registration date to see the est...

Environmental Performance Tax Calculator (Japan)

Enter the vehicle price and fuel efficiency achievement tier to estimate Japan's Environmental Performance Tax, a one-time tax charged when you acquire a car. Supports the lower rate cap for kei (light) cars.

Compulsory Automobile Liability Insurance (CALI / Jibaiseki) Calculator

Choose a vehicle category (passenger car, kei car, motorcycle, or moped) and a contract term to estimate Japan's mandatory CALI insurance premium required for vehicle inspection and registration.

Vehicle Weight Tax Calculator (Japan)

Select your vehicle weight class (for regular/compact cars) or kei car, the inspection type (new registration or renewal), and the eco-car tax reduction category to estimate Japan's vehicle weight tax, including the 13-y...

Japan Vehicle Recycling Fee Estimator

Get a quick estimate of Japan's automobile recycling fee (rikuru ryokin) by vehicle class — kei car, compact, standard, or large/SUV. Includes a breakdown of the fee and how to look up the exact amount.

Japan Vehicle Inspection (Shaken) Total Cost Calculator

Select your vehicle type, eco-car tax reduction category, compulsory insurance term, and recycling fee vehicle class to estimate the total shaken (vehicle inspection) cost — statutory fees plus optional maintenance and a...

EV vs Gasoline Car Lifetime Cost Comparison

Enter vehicle prices, annual mileage, expected ownership years, electricity and gasoline prices, and efficiency figures to compare the lifetime cost of an EV versus a gasoline car and find the break-even point.

Kei Car vs Regular Car Running Cost Comparison

Enter engine displacement, annual mileage, gasoline price, and fuel efficiency to compare the annual running costs of a kei car (Japanese light vehicle) and a regular/compact car, including automobile tax, weight tax, co...

Japanese Car Insurance Grade Premium Calculator

Enter your current voluntary car insurance premium and Japanese no-fleet grade to estimate the annual premium at another grade or accident coefficient. Includes a static grade 1-20 discount and surcharge table.

Japanese Car Insurance Claim vs Self-Pay Break-Even Simulator

Enter your repair cost, deductible, Japanese no-fleet grade, and premium to project 10 years of grade-drop premium increases and find the break-even year against paying for repairs yourself.

Second-Car Discount Eligibility Checker & Grade Simulator

Check whether a second car policy qualifies for Japan's second-car discount (grade 7 start) from the first car's grade, ownership, vehicle class, and policyholder relationship, and compare grade 6 vs. 7 premiums.

Gold License & Driver Age Condition Premium Impact Comparison

Enter your current Japanese voluntary car insurance premium to estimate how changing your license color (gold/blue) and driver age condition affects your annual premium.

Driver Scope Rider (Named Insured Only / Named Insured & Spouse Only) Premium Impact Comparison

Enter your current Japanese voluntary car insurance premium to estimate how changing the driver scope rider (unlimited, named insured only, or named insured and spouse only) affects your annual premium.

Deductible (Self-Pay Amount) Change Premium Impact Comparison

Enter your current Japanese voluntary car insurance premium to estimate how changing the collision deductible tier (0 yen, 50,000 yen, or 100,000 yen) affects your annual premium.

Telematics Insurance Enrollment Premium Impact Comparison

Enter your current Japanese voluntary car insurance premium to estimate how switching between not enrolled, standard-score, and excellent-score telematics (driving-behavior) insurance tiers affects your annual premium.

Sales Channel (Agent vs. Direct) Insurance Premium Impact Comparison

Enter your current Japanese voluntary car insurance premium to estimate how switching between an agent-based (face-to-face) channel and a direct (online/phone) channel affects your annual premium.

Paperless Policy Discount Insurance Premium Impact Comparison

Enter your current Japanese voluntary car insurance premium to estimate how switching between a paper policy and a paperless (online-only) policy affects your annual premium.

Usage Purpose (Daily/Commute/Business) Insurance Premium Impact Comparison

Enter your current Japanese voluntary car insurance premium to estimate how switching your declared usage purpose between daily/leisure, commuting/school, and business affects your annual premium.

Commute Cost Comparison (Car vs Public Transit)

Enter your one-way distance, workdays per month, fuel efficiency, gas price, and parking fee, along with your public transit monthly pass price, to compare the monthly cost of commuting by car versus public transit and s...

Water Bill Calculator

Enter your monthly water usage to estimate your monthly water bill based on a two-part tariff of a base fee plus tiered usage charges. Includes a reference table of typical water usage by activity.

Gas Bill Calculator

Enter your monthly gas usage and choose city gas or propane (LP gas) to estimate your monthly gas bill, based on a base fee plus usage-rate pricing structure. Includes an explanation of why city gas and propane prices di...

Percentage Calculator — Why a 20% + 10% Discount Isn't 30% Off

Calculate "X% of Y," percent increase, and percent decrease in one tool. See why stacking a 20% discount with an extra 10% off gives 28% off, not 30% — with a lookup table for common combinations. Also handy for tax and...

Budget Calculator (50/30/20 Rule)

Enter your monthly income and expenses to compare your actual spending against the 50/30/20 rule (50% needs, 30% wants, 20% savings) with a free visual pie chart breakdown.

Mercari Fee Calculator (vs Rakuma, Yahoo! Flea Market & Auctions)

Compare seller fees on Mercari, Rakuma, Yahoo! Flea Market and Yahoo! Auctions in Japan. See your net payout and profit margin after cost and shipping, or work backward from a target profit to a listing price.

Resale Profit Tracker (Multi-Item Reselling Profit Calculator)

Track profit across multiple resale items at once. Enter cost, shipping, marketplace fee rate and selling price for each item, and get per-item profit plus a running total for cost, revenue and profit. Your entries are s...

VAT Calculator | Add or Remove VAT and Compare Rates by Country

Free VAT calculator that converts net (VAT-exclusive) prices to gross (VAT-inclusive) prices and back, with a reference table of standard VAT/GST rates in the UK, Germany, France, and other major markets.

VAT Number Validator - Offline Format & Check Digit Verification

Verify a VAT number's length, country code prefix, and check digit entirely offline in your browser. Covers all 27 EU member states plus the UK (28 countries) so you can spot typos instantly.

Bill Split Calculation

Calculate bill split for multiple members and payments.

Lottery Win Simulator | Visualize Expected Value & Payout Ratio with Monte Carlo

Based on the prize table of Japan's Year-End Jumbo Lottery, calculate the exact expected value and payout ratio, then run a Monte Carlo simulation for any ticket count and see the spread of outcomes as a histogram. Free...

Which Lottery Is Easiest to Win? Loto 6 vs Loto 7 vs Bingo 5

Which is easier to win — Loto 6 or Loto 7? Bingo 5 or Mini Loto? This free tool compares the 1st-prize odds, prize amounts, and ticket price of Japan's number-selection lotteries — Loto 6, Loto 7, Mini Loto, Bingo 5, and...

Lottery Winnings Gift Tax Simulator | Tax on Sharing Prize Money With Family

Simulate the Japanese gift tax owed when you share lottery winnings with family or friends, based on the annual basic exemption of 1.1 million yen and the general/special tax rate tables. See the tax and net amount for e...