40 Free Finance Tools for 5 European Countries — In Native Languages

We just launched 40 localized finance tools across 5 European countries — each in the country's native language. All tools run in your browser, completely free and private.

🇨🇭 Switzerland (German) — 8 Tools

- Quellensteuer Rechner — Withholding tax by canton (all 26 cantons)
- Lohn nach Steuern — Net salary with AHV, ALV, BVG deductions
- Hypothekenrechner — Mortgage with Tragbarkeit check (33% rule)
- Krankenkassen Rechner — Health insurance premium comparison
- Miete vs Kaufen — Rent vs buy over 10-30 years
- AHV Renten Rechner — Pension with income splitting
- Pendlerkosten Rechner — Commuter costs, auto vs public transport
- Stundensatz Rechner — Freelancer hourly rate calculator

🇩🇰 Denmark (Danish) — 8 Tools

- Skat Beregner — Full Danish tax: AM-bidrag, kommuneskat, bundskat, topskat
- Løn efter Skat — Net salary with pension and municipality rates
- Boliglån Beregner — Mortgage with amortization schedule
- Feriepenge Beregner — Holiday pay (12.5% of salary)
- SU Beregner — Student grant calculator
- Ejendomsskat Beregner — Property tax by municipality
- Pension Beregner — Folkepension + ATP + arbejdsmarkedspension
- Kørselsfradrag Beregner — Commuter deduction calculator

🇮🇪 Ireland (English) — 8 Tools

- Irish Salary Calculator — Income Tax, USC, PRSI with 2026 rates
- Stamp Duty Calculator — 1%/2% residential, 7.5% non-residential
- Mortgage Calculator Ireland — Central Bank LTV rules included
- Rental Income Tax — Tax on rental profits with expenses
- Capital Gains Tax — 33% CGT with €1,270 exemption
- Inheritance Tax (CAT) — Group A/B/C thresholds
- Pension Tax Relief — Age-based contribution limits
- USC Calculator — Universal Social Charge bands

🇦🇹 Austria (German) — 8 Tools

- Brutto Netto Rechner — Austrian 14-salary system with Sonderzahlungen
- Einkommensteuer Rechner — 7-bracket Austrian tax system
- Familienbeihilfe Rechner — Family allowance by age and siblings
- Pendlerpauschale Rechner — Klein/Groß commuter allowance
- Kreditrechner — Loan with KIM-Verordnung compliance
- Mietrechner — Rent by Richtwertmietzins per Bundesland
- SVA Beiträge Rechner — Self-employed social insurance
- Indexanpassung Rechner — VPI inflation adjustment

🇫🇮 Finland (Finnish) — 8 New Tools

- Palkkaverolaskuri — Salary tax with progressive brackets
- Asuntolaina Laskuri — Mortgage calculator
- Eläkelaskuri — Pension with TyEL accrual
- Autoverolaskuri — Car tax based on CO2 emissions
- Vuokra vai Oma — Rent vs buy comparison
- Opintolaina Laskuri — Student loan with hyvitys
- Perintövero Laskuri — Inheritance tax
- Kilometrikorvaus Laskuri — Mileage reimbursement

Why Localized?

Most finance calculators online are in English only. By building tools in German, Danish, and Finnish, we serve users who prefer calculating in their native language — with country-specific tax rates, deductions, and regulations that generic tools don't cover.

All 40 tools are part of Teamz Lab Tools — 1,400+ free browser tools. No signup, no data collection, everything runs locally.

Originally published at [https://tool.teamzlab.com](https://tool.teamzlab.com)