All Calculators

Which calculator answers which question

The calculators on this site answer different questions, and using the wrong one produces a correct answer to a question you did not ask. The main division runs between the pay calculators and the financial ones. The first start from a contractual figure, gross or net, and rebuild the path of the withholdings: social security contributions, IRPEF by bracket, tax credits, and the regional and municipal surcharges. The second start from a capital sum or a stream of contributions and project a result over time, with a return and a horizon as stated assumptions. Confusing the two families is the most common error, and it is worth resolving before reading any result.

Starting from a contractual figure

The main calculator converts gross annual pay into monthly net. The reverse one starts from a desired net figure and finds the gross that produces it by iteration, which is the direction the question is asked in a negotiation. The payslip calculator rebuilds the four sections of the Italian document, so each line can be compared with the one received. The thirteenth and fourteenth month calculators apply the standalone taxation that distinguishes them from an ordinary month, which is why their net share is lower than the gross suggests. The severance calculator applies the separate regime, at the average rate of the previous five years.

Isolating a single tax

The IRPEF calculator isolates the national tax and shows brackets, gross tax, credits and net tax on separate lines. The region comparison isolates the surcharges instead, which are the only component that depends on where you live and which are worth several hundred euro a year at the same gross salary. The family deductions calculator shows how much of each credit survives as income rises, since all of them taper to nothing. The employer cost calculator looks from the other side of the relationship and shows what the employer spends, a figure that matters far more in a negotiation than gross pay.

Self-employment and special regimes

The flat-rate regime calculator applies the profitability coefficient of the activity code entered and shows the levy and the contributions separately, since only the latter are deductible. The employee against freelancer comparison sets the two positions at equal cost to the client, which is the only way to make them genuinely comparable: an identical gross figure does not include the same things. The inbound worker regime calculator applies the parameters in force after the reform, which cut the abatement, shortened the duration and introduced a cap on eligible income.

Long-term planning

The pension calculator rebuilds the contribution balance and converts it into an annuity with the coefficient for the chosen age of exit, so the cost of retiring early becomes legible. The compound interest, inflation, FIRE and investment tax calculators work on stated assumptions and should be used with a return net of costs and of the 26 per cent tax, failing which the projection overstates the outcome systematically. The budget calculator starts from the amount to be set aside and builds spending backwards.

What none of them does

No calculator here accounts for personal deductible charges, medical expenses, mortgage interest on a main residence or charitable donations, because those depend on an individual position rather than on a table. None replaces a tax return or a notice from the tax authority. None keeps what is entered: the computation runs in the browser and nothing leaves the device. And each states the tax year it refers to, because on a subject whose figures change every year a result without a date cannot be verified.