# 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.


## 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.


## 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.


## 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.


## 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 VND 11M/month self-deduction and 4.4M/dependent. 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 4.4M/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 4.4M each, 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: Currently VND 11M/month self-deduction and 4.4M/month per dependent. The National Assembly is reviewing increases — the tool will update when new law takes effect.

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).


## 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 2026 standard deduction ($15,000 single, $30,000 MFJ). 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: Single $15,000; MFJ $30,000; MFS $15,000; Head of Household $22,500.

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.


## 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.


## 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.


## 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.