Free money tools
Calculators built on official Eurostat and ECB figures for European households — not US numbers converted into euro. Free, no sign-up, nothing stored.
Grocery Budget Calculator
How much should you actually spend on food? A realistic monthly budget for your country and household, instead of the USDA figures every other calculator uses.
Eurostat food price levels · 30 countries
Electricity Cost Calculator
What does your tumble dryer really cost per year? Every other tool asks for your price per kWh — this one already knows it for your country.
Eurostat electricity prices · 36 countries
Cost of Living Comparison
What salary would you need to live the same way in another country? Compares price levels and net wages, and shows where the difference actually falls.
Eurostat price levels & net earnings · 27 countries
Renovation Cost Estimator
What does a bathroom or kitchen renovation cost where you live? Splits the bill into labour and materials, which behave completely differently across Europe.
Eurostat construction labour costs · 30 countries
Mortgage Overpayment Calculator
What does paying a bit extra each month actually save you? Shows the interest saved, the years cut, and your country’s rules on repaying early.
ECB mortgage rates · 21 countries
Overpay or Invest Calculator
Should spare cash go into your mortgage or into ETFs? Finds the return you need to beat overpaying, and how often investing wins across 1,000 simulated markets.
Your own rates and tax · €, £ or $
Why build these at all?
Almost every personal finance calculator online is written for an American audience. They quote USDA food plans, US electricity rates and dollar figures, and none of it transfers to a continent where food costs 26% less in Romania than the EU average and electricity costs four times more in Ireland than in Hungary.
Each tool here states which Eurostat dataset it uses and which numbers are official versus estimated. Nothing you type is sent anywhere — the calculations run entirely in your browser.
More reading on the same numbers over on the blog.