# Treasury.to

> Free global finance calculators — compound interest, mortgage, FIRE, debt payoff, inflation, ROI, and more. Real-time results, multi-currency, no signup.

Site: https://treasury.to · Last updated: 2026-05


## FIRE Calculator 2026 — Financial Independence
URL: https://treasury.to/en/calculators/fire
Category: compound
Primary keyword: fire calculator

FIRE calculator built on the 4% rule (Trinity Study) — enter annual expenses, current savings, and monthly investing to compute your FIRE number, years to financial independence, plus the two popular variants Coast FIRE (today's amount that compounds to full FIRE) and Barista FIRE (partial coverage with part-time work). Adjust real return and SWR to your risk profile.

### How to use
1. Enter annual expenses — Total yearly spend for the lifestyle you want.
2. Savings & contribution — Current amount and what you add each month.
3. Set return + SWR — Assumed real return (default 5%) and SWR (4% Trinity default).

### Key features
- FIRE Number: Annual expenses × 25 (default SWR 4%, adjustable).
- Years to FI: Bisection solver on the FV closed-form.
- Coast FIRE: The amount today that grows to your FIRE Number by retirement.
- Barista FIRE: Covers X% of expenses, rest from part-time work.
- Real return: Use inflation-adjusted (real) returns, not nominal.
- Progress bar: Visual % of how far you are on the path.

### FAQ
Q: What is the 4% rule?
A: The Trinity Study showed a 60/40 stocks/bonds portfolio can sustain 4% withdrawals (inflation-adjusted) for 30 years with a high success rate. A 4% SWR is the FIRE movement's anchor.

Q: Coast FIRE vs Barista FIRE?
A: Coast FIRE: you already have enough that, with no further contributions, your assets will reach your full FIRE Number by retirement. Barista FIRE: you only need part-time income to cover what your assets don't yet support.

Q: What real return should I use?
A: US stocks historical: ~7% nominal − 3% inflation ≈ 4–5% real. Conservative: 3–4%. Aggressive: 5–7%.

Q: Do I need to account for inflation?
A: Yes — enter 'real return' (after inflation) so your FIRE Number is in today's dollars and doesn't need later adjustment.

Q: Is the 4% rule safe for early retirement?
A: Many in the FI community drop to 3.25–3.5% for longer horizons (40+ years). Adjust the SWR field accordingly.

Q: What should I invest in to reach FIRE faster?
A: Broad index ETFs (VTI/VOO in the US, VWCE worldwide) plus monthly DCA is the most popular path. Skip stock picking and market timing — sticking with a 30–50% savings rate for 15–25 years is the standard FIRE recipe.


## Savings Goal Calculator — 3-Unknown Solver
URL: https://treasury.to/en/calculators/savings-goal
Category: compound
Primary keyword: savings goal calculator

The Savings Goal Calculator solves backwards for any one of three unknowns: given a target (e.g. $100,000), specify any two of {starting amount, monthly contribution, time} and we'll solve the third exactly. Use it for down payments, emergency funds, college savings, or any long-term goal.

### How to use
1. Pick the unknown — Monthly contribution, time, or starting amount.
2. Enter the other two — Plus the target and assumed annual rate.
3. Read the result — We show the value you need to reach the goal.

### Key features
- Solve for contribution: Have target + start + time → required monthly?
- Solve for time: Have target + start + monthly → how long?
- Solve for start: Have target + monthly + time → starting amount needed?
- Monthly compounding: Standard FV formula — not an approximation.
- Contributed vs interest: Shown separately to clarify growth composition.
- 8 currencies: USD, EUR, GBP, SGD, INR, AUD, CAD, VND.

### FAQ
Q: Is the solver penny-accurate?
A: Yes — contribution and start modes use the closed-form FV annuity formula. The time solver uses 200-iteration bisection accurate to under 0.05 months.

Q: What compounding does it use?
A: Monthly by default, matching savings accounts and ETF DCA. For other frequencies, use the Compound Interest Calculator.

Q: Can I model irregular contributions?
A: Not here — this tool assumes a constant monthly amount. Use the Compound Interest Calculator with 'both deposits & withdrawals' for irregular flows.

Q: What rate should I assume?
A: US high-yield savings: 4–5%/year. Total-market index funds long-term: 7–10% pre-tax. Pick a rate you trust yourself to stick with for the full horizon.

Q: Do I need to account for inflation?
A: Yes — use a real (after-inflation, ~3% subtracted) rate so your goal stays in today's purchasing power and doesn't need a later adjustment.

Q: What's a typical savings goal size?
A: Emergency fund: 3–6 months of expenses. House down payment: 20% of price. 4-year US college fund: ~$120K–$300K depending on public vs private. Retirement: 25× annual expenses (FIRE).


## Debt Snowball vs Avalanche Calculator
URL: https://treasury.to/en/calculators/debt-payoff
Category: business
Primary keyword: debt snowball calculator

Month-by-month payoff simulator: enter multiple debts (balance, APR, minimum payment) plus an extra monthly payment — we return both strategies side-by-side. Snowball (Dave Ramsey): smallest balance first for psychological wins. Avalanche: highest rate first for the lowest total interest. We auto-highlight which one saves more and by how much.

### How to use
1. List your debts — For each: name, balance, APR, and minimum payment.
2. Add extra/month — How much you can throw on top of minimums.
3. Pick your strategy — Either lower interest (avalanche) or psychological momentum (snowball).

### Key features
- Accurate simulation: Monthly: accrue interest → pay minimums → throw extra at target.
- Snowball roll-up: Cleared minimums auto-fold into the extra payment.
- Side-by-side compare: Snowball and Avalanche from one input.
- Winner highlighted: Lower-total-interest strategy is marked Best.
- Add/remove debts: Manage as many debts as you have.
- Multi-currency: Use your local currency.

### FAQ
Q: Snowball or avalanche — which is better?
A: Avalanche always wins on total interest. Snowball usually clears the first debt faster, which helps morale — important if you've struggled to stick with a plan before.

Q: What's the snowball roll-up?
A: When a debt clears, its minimum payment automatically rolls into the 'extra' bucket for the next target — that's how the snowball grows.

Q: Does this handle variable APR?
A: It assumes a fixed APR. For variable-rate cards (e.g. expiring promo), enter your best estimate of the average rate.

Q: Should I just pay minimums?
A: No — interest accrues on the balance, so faster payoff = less interest. The tool always pays minimums first, then applies extra per your strategy.

Q: What APR threshold means 'pay aggressively'?
A: Anything above ~7% (typical US auto/personal loan) should be prioritized; credit cards at 20–28% are urgent. Sub-5% mortgages can usually be paid at minimum while you invest the surplus.

Q: How much extra per month is realistic?
A: A common target is 10–20% of after-tax income directed at debts with APR > 10%. Even an extra $200/month against a $10K credit card at 22% APR clears it 2× faster and saves ~$2K interest.


## Inflation Calculator 2026
URL: https://treasury.to/en/calculators/inflation
Category: compound
Primary keyword: inflation calculator

How much will $10,000 be worth in 20 years with 3% inflation? Or in reverse — what's today's purchasing power of $10,000 received 20 years from now? Includes a real-return helper that converts nominal to real using the standard Fisher equation: (1+real) = (1+nominal)/(1+inflation).

### How to use
1. Enter amount & years — Your dollars/VND and time horizon.
2. Set the inflation rate — Global average ~3%/year; US 2.5%; VN 3–4%.
3. Pick direction — Future cost or today's purchasing power.

### Key features
- Both directions: Future cost or today's purchasing power.
- Real return helper: Fisher equation converts nominal → real.
- Year-by-year: Per-year table showing inflation erosion.
- Total % change: Single metric for quick intuition.
- Multi-currency: 8 popular currencies.
- Free: No ads, no data collection.

### FAQ
Q: What inflation rate should I use?
A: US historical: ~2.5%/year; Fed target 2%. Vietnam: 3–4%. Global average: ~3%.

Q: What's a real return?
A: It's the rate after stripping inflation — actual purchasing-power gain. 8% nominal with 3% inflation = ~4.85% real.

Q: How is purchasing power different from nominal price?
A: $50K in 2000 ≈ $90K in 2024 in purchasing power. Nominal numbers rise but so do prices — real value tells you whether you're actually better off.

Q: Why does my 4% savings account feel like I'm losing money?
A: With ~3% inflation, your real return is only ~1%. Nominal balance rises but its purchasing power barely budges — the classic inflation drag on cash holdings.

Q: How does inflation change my FIRE Number?
A: Either calculate FIRE using the expenses you expect at retirement age (after inflation), or use real returns in the FIRE Calculator so everything stays in today's dollars and no retroactive adjustment is needed.

Q: At what inflation level should I be worried?
A: Above 5%/year, cash loses serious ground. Above 10% (Argentina-style), holding cash loses ~50% of purchasing power in 7 years. Inflation-resistant assets — equities, real estate, TIPS — become essential.


## Vietnam Gross → Net Salary Calculator 2026
URL: https://treasury.to/en/calculators/salary-vn
Category: salary-tax
Primary keyword: vietnam gross to net salary

Vietnam Gross→Net salary calculator for 2026 — auto-deducts 8% social insurance (BHXH), 1.5% health (BHYT), 1% unemployment (BHTN), and personal income tax across 7 progressive brackets with the new VND 15.5M/month self-deduction and 6.2M/dependent (Resolution 110/2025/UBTVQH15). Real-time result, tax pie chart, and reverse Net→Gross supported.

### How to use
1. Enter Gross salary — Type your total monthly pay before tax and insurance.
2. Set dependents — Declare dependents to deduct VND 6.2M/month each.
3. See real-time result — Result table and chart update as you type.

### Key features
- 7 PIT brackets: Exact progressive tax from 5% to 35% per monthly income tier.
- Social insurance: Auto-deducts BHXH, BHYT, BHTN with proper salary caps.
- Dependent allowance: VND 6.2M each (Resolution 110/2025), updates instantly when count changes.
- Reverse calc: Enter desired Net and find the matching Gross.
- Allocation chart: Pie chart of insurance, tax, and take-home portions.
- Export result: Copy or share via URL (coming soon).

### FAQ
Q: What is the net pay for a Vietnam gross of 20M VND?
A: For a single filer with no dependents, the net is roughly 17.3M VND/month after BHXH, BHYT, BHTN and PIT. Exact figure depends on the insurable salary base used by the employer.

Q: How much do BHXH, BHYT, BHTN deduct?
A: Employee side: 8% BHXH, 1.5% BHYT, 1% BHTN — 10.5% total on insurable salary, capped (BHXH/BHYT at 20× base salary; BHTN at 20× regional minimum wage).

Q: What is the 2026 personal deduction in Vietnam?
A: Resolution 110/2025/UBTVQH15 (effective tax year 2026) sets the personal deduction at VND 15.5M/month and VND 6.2M/month per dependent — a ~40% increase from the previous 11M/4.4M levels.

Q: Can it compute Net → Gross?
A: Yes. Switch to 'Net → Gross' mode and enter your desired net; the tool solves for the matching gross using bisection — accurate to the dong.

Q: Does the calculator store my data?
A: No. All math runs locally in your browser; nothing is sent to a server and no history is kept unless you opt in via login (coming soon).


## Spain Salary Calculator 2026 — IRPF & Seguridad Social
URL: https://treasury.to/en/calculators/salary-es
Category: salary-tax
Primary keyword: spain salary calculator irpf

Spain Gross→Net salary calculator for 2026 — applies IRPF state + default autonomous brackets (19/24/30/37/45/47%), Seguridad Social employee contribution (6.50%, incl. MEI 0.15%, capped at ~€61,214/year), and the personal & family minimum (€5,550 base + €2,400/dependent). Useful for employees in Madrid, Barcelona, Valencia and expats relocating to Spain.

### How to use
1. Enter annual gross — Type your gross salary before taxes.
2. Add dependents — Children/dependants increase the personal minimum.
3. Read results — Annual & monthly net, Seguridad Social, IRPF breakdown.

### Key features
- Six progressive IRPF brackets: 19% → 47% on combined state + default autonomous rates.
- Seguridad Social cap: Stops at the base máxima (~€61,214/year).
- Personal & family minimum: Reduces taxable base by €5,550 + €2,400/dependent.

### FAQ
Q: Are autonomous-community variations supported?
A: The default brackets approximate the national + average autonomous rate. Madrid, Andalucía, Cataluña etc. set their own tramo autonómico — your actual liability can differ by a few percentage points.

Q: Does it include capital-gains tax?
A: No — only employment income (IRPF general base). Investment income uses the savings tax base with different rates (19/21/23/27/28%).

Q: What is the personal minimum?
A: Mínimo personal y familiar — €5,550/year as a base, plus €2,400 per dependent (simplified). It's not subtracted from income; instead the bracket tax on it is subtracted from the bracket tax on the full base.


## Brazil Salary Calculator 2026 — IRRF & INSS
URL: https://treasury.to/en/calculators/salary-br
Category: salary-tax
Primary keyword: brazil salary calculator irrf inss

Brazil Gross→Net CLT salary calculator for 2026 — applies INSS progressive 7.5/9/12/14% (capped at R$ 988.09), the new IRRF rule (full exemption up to R$ 5,000/month, gradual reduction up to R$ 7,350, then the classic table), dependent deduction R$ 189.59/month, and the optional R$ 607.20 simplified discount.

### How to use
1. Enter monthly gross — CLT salary before deductions.
2. Set dependents — Each adds R$ 189.59/month to the deduction.
3. (Optional) simplified discount — Replaces dependent deduction with R$ 607.20.

### Key features
- Progressive INSS: 7.5/9/12/14% by bracket, capped at R$ 988.09.
- New IRRF rule: Tax-free up to R$ 5,000/month; transition zone 5K→7.35K.
- Pick best deduction: Toggle simplified discount vs. dependent deduction.

### FAQ
Q: Does the R$ 5,000 exemption apply to everyone?
A: Yes for CLT employees — anyone earning up to R$ 5,000/month gross (after INSS + dependents) pays no IRRF starting tax year 2026. Between R$ 5,000 and R$ 7,350 the tax phases in gradually.

Q: Is 13º salário covered?
A: The 13th salary is taxed separately at year-end. This calculator covers monthly withholding only — multiply by 12 for the annual base.

Q: Autônomo / MEI?
A: Not covered. Self-employed and MEI follow distinct regimes (carnê-leão, Simples Nacional). Use a dedicated tool.


## Indonesia Salary Calculator 2026 — PPh 21
URL: https://treasury.to/en/calculators/salary-id
Category: salary-tax
Primary keyword: indonesia salary calculator pph 21

Indonesia Gross→Net salary calculator for 2026 — applies the annual progressive PPh 21 (5/15/25/30/35%), PTKP by status (TK0…K3) with Rp 4.5M per dependent up to 3, biaya jabatan 5% capped at Rp 6,000,000/year, and employee BPJS contributions (~4% simplified). Useful for Indonesian employees and expats employed by Indonesian companies.

### How to use
1. Enter monthly gross — Bruto bulanan sebelum potongan.
2. Pick PTKP status — TK0…K3 covers single/married × 0–3 dependents.
3. Toggle BPJS — Off if your company pays 100% of employee BPJS.

### Key features
- Annual progressive PPh 21: 5% → 35% on penghasilan kena pajak (PKP).
- PTKP automatic: Married + dependents adjust the deduction.
- Biaya jabatan: 5% of gross, capped at Rp 6,000,000/year.

### FAQ
Q: Does this match TER monthly withholding?
A: Not exactly. This uses annual Pasal 17 progressive — the final reconciliation value. Monthly TER withholding may differ; year-end you reconcile to this annual figure.

Q: Are bonuses (THR) included?
A: Enter the regular monthly gross only. THR and other one-off bonuses use distinct PPh 21 logic.

Q: What about non-tax residents (WNA without NPWP)?
A: Non-residents pay flat 20% PPh 26, not the progressive table. This calculator assumes a tax-resident with NPWP.


## France Salary Calculator 2026 — IR & Cotisations
URL: https://treasury.to/en/calculators/salary-fr
Category: salary-tax
Primary keyword: france salary calculator impot revenu

France Brut→Net salary calculator for 2026 (revenus 2025) — applies the IR brackets (0/11/30/41/45%) with quotient familial (parts), simplified employee social charges (~22%), 10% professional deduction capped at €14,555, and plafonnement of half-parts at €1,807. Useful for salariés (cadre/non-cadre) and expats relocating to France.

### How to use
1. Enter annual brut — Annual gross salary before all charges.
2. Set family situation — Married/PACS + number of children determines parts.
3. Read results — Annual & monthly net, social charges, IR with quotient.

### Key features
- IR brackets 2026: 0/11/30/41/45% applied per part (quotient familial).
- Plafonnement: Each half-part above base capped at €1,807 reduction.
- Auto 10% abattement: Professional deduction up to €14,555.

### FAQ
Q: Is the décote applied?
A: No — the décote (small reduction for low-income taxpayers) is not modeled in this version. Your real IR may be slightly lower if you're near the bottom of the bracket.

Q: Cadre vs non-cadre?
A: Social charges in this tool are modeled as a flat ~22%. Real rates differ slightly: cadres pay extra Apec (~0.024%) and have different unemployment contributions.

Q: What about prélèvement à la source?
A: PAS is the monthly withholding mechanism. The final IR amount you owe is the same — PAS is just how it's collected. This calculator shows the annual liability.


## Compound Interest Calculator 2026
URL: https://treasury.to/en/calculators/compound-interest
Category: compound
Primary keyword: compound interest calculator

The most complete compound interest calculator in 2026 — 11 compounding frequencies (Daily 365/360, Semi-weekly, Weekly, Bi-weekly, Semi-monthly, Monthly, Bi-monthly, Quarterly, Semi-annually, Annually), regular deposits + withdrawals, annual deposit increases for real-world raises, side-by-side scenario comparison, and shareable URLs that preserve every input. Multi-currency: USD, EUR, GBP, SGD, INR, AUD, CAD, VND.

### How to use
1. Enter starting amount — Money you have today to begin investing.
2. Set rate & horizon — Annual % rate and years you plan to hold.
3. Add monthly contribution — Optional fixed amount added each month for DCA.

### Key features
- 11 compounding modes: From Daily 365/360 to Annually — match any product.
- Deposits + withdrawals: Simulate paychecks-in and living-expenses-out at once.
- Annual deposit raise: Bump contributions by a % each year for real-world raises.
- Compare 2 scenarios: Side-by-side A/B test with instant difference.
- Shareable URL: One-click copy preserves every input for sharing.
- EAR + time to double: Effective Annual Rate plus years-to-double.

### FAQ
Q: What does 10% over 20 years grow to?
A: $10,000 at 10% compounded monthly grows to about $73,280 after 20 years. Add $200/month and it jumps to roughly $215,000.

Q: How is compound different from simple interest?
A: Compound interest earns on prior interest too, so growth is exponential. Simple interest only earns on the original principal — linear growth. The longer the horizon, the larger the gap.

Q: Which compounding frequency should I pick?
A: Most savings products compound monthly or quarterly. ETFs and stocks are usually modeled annually. Switch the frequency in the tool to compare outcomes.

Q: What rate is realistic?
A: Vietnam savings: 5–7%/year. US stocks historical average: 8–10%/year pre-tax. Use a conservative assumption you can stick with.

Q: Does it account for inflation?
A: The current version shows nominal values. Subtract ~3–4% from your input rate to estimate real purchasing power.


## Mortgage Calculator 2026
URL: https://treasury.to/en/calculators/mortgage
Category: mortgage
Primary keyword: mortgage calculator

2026 mortgage calculator — precise monthly principal & interest payment plus property tax, insurance, HOA, and PMI. Enter a $400K home with 20% down at 7% for 30 years and see monthly payment, total interest, and a complete amortization schedule. Includes affordability solver from your income.

### How to use
1. Enter price and down — Home price and your down payment amount.
2. Set rate & term — Annual interest rate and term length (typically 15–30 years).
3. Add extras — Property tax, home insurance, HOA — optional but realistic.

### Key features
- Accurate P&I: Standard amortization formula used by US lenders.
- Tax + insurance: Adds property tax, home insurance, HOA, PMI to total.
- Amortization table: See principal vs interest every month.
- Affordability solver: Enter income, get the max home price you can afford.
- Compare terms: 15 vs 25 vs 30 years with one click.
- Visual charts: Bar chart of P vs I plus declining balance line.

### FAQ
Q: What's the monthly payment on a $400K home, 20% down, 7% for 30 years?
A: Loan is $320,000. Monthly principal & interest is roughly $2,129. Total interest over 30 years: about $446,000.

Q: Which term should I pick — 15 or 30 years?
A: 15-year terms save you ~60% of total interest but the monthly payment is ~50% higher. Many borrowers take 30-year for flexibility, then make extra principal payments.

Q: How much down payment is enough?
A: In the US, below 20% triggers PMI (~0.5–1% of the loan annually). 20% is the sweet spot. In Vietnam, banks typically require at least 30%.

Q: What share of income should mortgage take?
A: Use the 28/36 rule: housing ≤ 28% of gross income, total debt ≤ 36%. Our affordability tool reverses this to a max home price.

Q: Should I prepay the principal?
A: Prepaying reduces total interest since interest is charged on the remaining balance. Check your contract for a prepayment penalty before doing so.


## Crypto Profit & Loss Calculator 2026
URL: https://treasury.to/en/calculators/crypto-pl
Category: crypto
Primary keyword: crypto profit calculator

Free crypto profit & loss calculator — enter buy price, sell price, and quantity; the tool subtracts exchange fees (Binance, Bybit), applies your country's capital-gains tax, and shows final ROI. Includes the break-even price you need to sell to recover your costs. Useful for spot traders and long-term holders.

### How to use
1. Buy price & quantity — Price you paid and how many coins you bought.
2. Sell price — Current price or your target sell price.
3. Fees & tax — Exchange fee (e.g. Binance 0.1%) and tax rate if applicable.

### Key features
- Two-sided fees: Separate buy and sell percentage fees.
- Country tax: Apply a CGT rate matching your jurisdiction.
- Honest ROI: % return computed on total cost including fees.
- Break-even price: Minimum sell price to recover cost + fees.
- Instant compute: Runs locally — zero latency.
- Private: Prices and quantities never leave your browser.

### FAQ
Q: Does the US tax crypto profit?
A: Yes — the IRS treats crypto as property. Short-term gains (<1 year) are taxed at your ordinary income rate; long-term gains (≥1 year) at 0%, 15%, or 20% based on income.

Q: What is Binance's typical fee?
A: Default spot taker/maker is 0.1% per side, reducible to 0.075% if you pay fees with BNB. Enter the rate you actually pay.

Q: How is break-even computed?
A: (Total cost + buy fees) / (quantity × (1 − sell fee)). That's the minimum sell price to recover all costs after fees.

Q: How is ROI defined?
A: ROI = pre-tax profit / total cost (including buy fees). Comparable across trades of different sizes.

Q: Are my trades saved?
A: No. Everything stays in your current browser session. Portfolio history will be an opt-in feature with login in Phase 2.


## US Federal Income Tax 2026
URL: https://treasury.to/en/calculators/income-tax-us
Category: salary-tax
Primary keyword: us federal income tax 2026

US federal income tax calculator for 2026 — supports 4 filing statuses (Single, MFJ, MFS, HoH) and 7 brackets from 10% to 37%. Auto-applies the IRS 2026 standard deduction per Rev. Proc. 2025-32 ($16,100 single, $32,200 MFJ, $24,150 HoH). Use itemized deductions if higher than the standard.

### How to use
1. Enter income — Your total reportable income for the year.
2. Pick filing status — Single, MFJ, MFS, or Head of Household.
3. Deductions — Leave blank for standard, or enter itemized amount.

### Key features
- 4 filing statuses: Single, MFJ, MFS, Head of Household.
- 2026 brackets: 10%–37% updated per IRS.
- Standard deduction: Auto-applied if greater than itemized.
- Marginal & effective: Both rates shown.
- Per-bracket split: Tax by bracket with shares.
- Take-home: After-federal-tax income.

### FAQ
Q: What is the 2026 standard deduction?
A: Per IRS Rev. Proc. 2025-32: Single $16,100; MFJ $32,200; MFS $16,100; Head of Household $24,150.

Q: What is the marginal rate?
A: It's the rate applied to your last dollar of income — different from the effective rate (total tax / total income).

Q: Does this include state tax?
A: Only federal for now. State tax with a per-state picker is a Phase 2 feature.

Q: Is FBAR required for non-US bank accounts?
A: Yes. US persons with foreign financial accounts totaling over $10,000 at any point in the year must file FBAR (FinCEN 114). Penalties for missing it are severe — work with a CPA familiar with international tax.

Q: Do freelance gigs trigger self-employment tax?
A: Yes. Self-employment tax is 15.3% (Social Security + Medicare) on net earnings, added on top of federal income tax. File Schedule SE if your SE profit is $400 or more in the year.

Q: Who qualifies for Head of Household status?
A: You must be unmarried (or living apart from your spouse for the last 6 months), pay more than 50% of home upkeep, and have a qualifying dependent (child, parent, etc.) living with you more than half the year. Standard deduction is $24,150 vs $16,100 for Single.


## Profit Margin Calculator 2026
URL: https://treasury.to/en/calculators/profit-margin
Category: business
Primary keyword: profit margin calculator

Profit margin calculator for Shopify, Amazon, and dropshippers — enter revenue and cost, instantly see gross margin (%), markup (%), and absolute profit. Distinguishes margin from markup so you don't underprice products. Works for retail, B2B, and affiliate models.

### How to use
1. Enter revenue — Selling price (after discounts).
2. Enter cost — Total cost: COGS + shipping + platform fees.
3. See result — Margin, markup, profit shown instantly.

### Key features
- Margin & Markup: Two different metrics — shown side by side.
- Absolute profit: Revenue − cost, in your currency.
- Multi-currency: VND, USD, EUR — locale-aware.
- Reverse pricing: Target a margin, get a price (coming soon).
- Mobile-first: Touch-friendly inputs.
- No ads: Clean interface, no interruptions.

### FAQ
Q: Margin vs markup?
A: Margin = profit / revenue. Markup = profit / cost. A 100% markup is only a 50% margin — don't confuse them when pricing.

Q: What's a healthy margin?
A: Ecommerce: 20–40% gross is healthy. SaaS: 70%+. Professional services: 30–50%.

Q: Does it handle Shopify fees?
A: Add them to the cost field for now. A dedicated Shopify Profit Calculator launches in Phase 3.

Q: To hit margin Y% at price X, what's my max cost?
A: Max cost = price × (1 − margin/100). Selling at $50 and targeting 40% gross margin → max cost is $30. This 'reverse pricing' lets you set a buy-cost ceiling before negotiating with suppliers.

Q: Gross vs net margin?
A: Gross margin subtracts only direct product cost (COGS) from revenue. Net margin also subtracts operating expenses, marketing, taxes, and salaries — always lower than gross. This tool computes gross; net requires a full P&L.

Q: Should I include sales tax / VAT in the calculation?
A: Compute margin on pre-tax revenue. If your displayed price is tax-inclusive (common in EU), subtract VAT first. Make sure revenue and cost are both on the same basis — either both tax-inclusive or both pre-tax.


## Affordability Calculator — How Much Home Can You Afford?
URL: https://treasury.to/en/calculators/affordability
Category: mortgage
Primary keyword: home affordability calculator

Home affordability calculator using the industry 28/36 rule: housing ≤ 28% of gross income, total debt ≤ 36%. Enter monthly income, existing debts, and your down payment — the tool back-solves the max home price you should target. Ideal for first-time buyers anchoring a budget.

### How to use
1. Monthly income — Gross monthly income, including stable side income.
2. Monthly debts — Car loan, credit cards, student loans...
3. Down payment — Cash you have ready to put down.

### Key features
- 28/36 rule: Default DTI cap 36%, adjustable.
- Tax + ins included: Defaults: 1.1% tax, 0.35% insurance per year.
- Max home price: One number you can anchor on.
- Max monthly: Shown separately for reference.
- Existing debts: Subtracted before sizing new mortgage.
- Mobile-first: Friendly sliders on phones.

### FAQ
Q: What does the 28/36 rule mean?
A: Housing ≤ 28% of gross income; all debt (including housing) ≤ 36%. The standard for bank and Fannie Mae underwriting.

Q: Can I push DTI to 43%?
A: Yes — Qualified Mortgage loans allow up to 43%, FHA up to 50%. Adjust under Advanced.

Q: Does it use current rates?
A: Default is 7% — replace with the rate your lender quoted you.

Q: How much home can $100K/year afford?
A: Following 28/36 with a 7% rate, 30-year term and 20% down: ~$320K max home price (~$2,330 monthly housing budget). Subtract existing debts and keep cash reserves before committing.

Q: Should I put down more than 20%?
A: It eliminates PMI and lowers monthly payments, but don't drain reserves. After closing keep at least 3–6 months of expenses plus 1–2% of home value for first-year repairs. 20–25% is the typical sweet spot.

Q: What 'true' cost of ownership should I add?
A: Layer in property taxes (1–2.5%/year), home insurance (~0.35%), HOA fees, utilities, and maintenance (~1%/year of value). True total cost of ownership runs 20–40% higher than just principal and interest.


## ROI Calculator 2026 — Return on Investment
URL: https://treasury.to/en/calculators/roi
Category: business
Primary keyword: roi calculator

Track investment performance — enter starting amount, current value, and years held; the tool computes total ROI and annualized ROI (CAGR). Works for stocks, crypto, real estate, or a business venture. Use the same metric to compare investments held for different periods.

### How to use
1. Initial investment — What you originally invested.
2. Current value — Today's market value of the position.
3. Years held — Time elapsed (needed for CAGR).

### Key features
- Total ROI: % return on initial investment.
- Annualized (CAGR): Compound annual growth rate.
- Absolute profit: Total currency gained/lost.
- Multi-currency: Locale-aware formatting.
- Instant: Updates as you type.
- Mobile-first: Smooth on phones.

### FAQ
Q: CAGR vs ROI?
A: ROI is total % return regardless of time. CAGR is the annual growth rate — fair for comparing investments held different durations.

Q: What does negative ROI mean?
A: You're at a loss — current value below the original investment.

Q: Are transaction costs included?
A: Not yet — subtract fees from your 'current value' input for a true ROI.

Q: Is a 10% CAGR over 10 years good?
A: Yes — it matches the long-term US stock market average (~10% nominal). Below 5% CAGR underperforms a high-yield savings account. Anything sustained above 15% deserves a sanity check for luck or hidden risk.

Q: Does ROI include dividends and interest received?
A: Add them to the 'current value' input to capture total return. Otherwise you're only measuring capital gain and missing a meaningful chunk of long-term performance — especially for dividend stocks, bonds, and rental properties.

Q: Which is better: 100% ROI in 1 month vs 200% in 5 years?
A: 100% in 1 month annualizes to a roughly 410,000% CAGR — vastly higher. 200% in 5 years annualizes to ~24.6% CAGR — excellent but far smaller. CAGR is the fair metric for comparing investments of different durations.