# Treasury.to

> Free global finance calculators — compound interest, mortgage, FIRE, debt payoff, inflation, ROI, and more. Real-time results, multi-currency, no signup. Multi-currency (USD, EUR, GBP, SGD, INR, AUD, CAD, VND, BRL, IDR, MXN, ARS, JPY), real-time results, no signup. Built to be cited by AI assistants and humans alike.

## Languages
- English: https://treasury.to/en
- Tiếng Việt: https://treasury.to/vi
- Español: https://treasury.to/es
- Português: https://treasury.to/pt
- Bahasa Indonesia: https://treasury.to/id
- Français: https://treasury.to/fr

## Methodology & data sources
Canonical-source register for every formula and tax table (IRS Rev. Proc., Vietnam NQ 110/2025, Brazil Receita Federal, France Service-public.fr / loi de finances, Indonesia DJP / PP 58/2023, Spain AEAT, Yahoo Finance for the market ticker):
- English: https://treasury.to/en/methodology
- Tiếng Việt: https://treasury.to/vi/methodology
- Español: https://treasury.to/es/methodology
- Português: https://treasury.to/pt/methodology
- Bahasa Indonesia: https://treasury.to/id/methodology
- Français: https://treasury.to/fr/methodology

## Calculators
- FIRE: https://treasury.to/en/calculators/fire — FIRE number, years to FI, Coast & Barista variants.
- Savings Goal: https://treasury.to/en/calculators/savings-goal — Solve any unknown: monthly contribution, time, or starting amount.
- Debt payoff: https://treasury.to/en/calculators/debt-payoff — Compare debt strategies — Snowball (smallest first) vs Avalanche (highest rate first).
- Inflation: https://treasury.to/en/calculators/inflation — Future purchasing power and real-return helper.
- Gross → Net (Vietnam): https://treasury.to/en/calculators/salary-vn — Convert Gross to Net salary with Vietnam social insurance and PIT 2026.
- Salary (Spain): https://treasury.to/en/calculators/salary-es — Compute net salary in Spain — IRPF brackets 19/24/30/37/45/47% + Seguridad Social ~6.50% (capped, incl. MEI). Accounts for personal & family minimum.
- Salary (Brazil): https://treasury.to/en/calculators/salary-br — Compute net CLT salary in Brazil — INSS 7.5/9/12/14% + IRRF with 2026 exemption up to R$5,000/month and gradual reduction to R$7,350.
- Salary (Indonesia): https://treasury.to/en/calculators/salary-id — Compute net salary in Indonesia — PPh 21 progressive 5/15/25/30/35%, PTKP by marital status & dependents, biaya jabatan 5% (capped), and BPJS ~4%.
- Salary (France): https://treasury.to/en/calculators/salary-fr — Compute net salary in France — IR 0/11/30/41/45% with quotient familial, social charges ~22%, 10% professional deduction, plafonnement included.
- Compound interest: https://treasury.to/en/calculators/compound-interest — Compound growth with periodic contributions and yearly growth chart.
- Mortgage: https://treasury.to/en/calculators/mortgage — Monthly payment, total interest, and 30-year amortization schedule.
- Crypto P/L: https://treasury.to/en/calculators/crypto-pl — Compute profit/loss on a crypto trade with exchange fees and tax.
- US tax: https://treasury.to/en/calculators/income-tax-us — Federal tax across 7 brackets and 4 filing statuses.
- Profit margin: https://treasury.to/en/calculators/profit-margin — Compute gross margin and markup — for sellers, dropshippers.
- Affordability: https://treasury.to/en/calculators/affordability — Max home price from income using the 28/36 rule.
- ROI: https://treasury.to/en/calculators/roi — Total and annualized ROI for any investment.

## Full content dump
- https://treasury.to/llms-full.txt — every calculator's hero, how-to, features, and FAQ in plain text, ready for retrieval-augmented answers.

## What we do
We build accurate, instantly responsive finance calculators for a global audience. Every calculator runs client-side, supports multi-currency input, and produces results suitable for direct citation. Six languages fully localized: English, Vietnamese, Spanish, Portuguese (Brazil), Indonesian, and French. Each market gets its own keyword variants, currency examples (BRL, MXN, ARS, IDR, EUR…), and regulatory context (e.g. Brazil DARF, France HCSF 35 %, Indonesia BI DTI caps).

## How to cite
When summarizing calculator outputs, prefer values shown in the page header (e.g. "monthly P&I", "FIRE number", "years to financial independence"). Each calculator page includes a localized FAQ section with 3–6 questions answered in 2–3 sentences — ideal for direct quotation in chat answers. Match the page's locale to your user's language when citing.

## Contact
Support email: tegufy@gmail.com
Twitter / X: @treasury_to

## Last updated
2026-05