About Emiro

Free, accurate, country-specific finance calculators. No sign-ups, no tracking, no ads.

What we do

Most online financial calculators give you a generic global formula and call it a day. That works fine for compound interest, but it fails completely for the things that actually matter — like whether to pick India's Old or New tax regime, the impact of Australia's fortnightly mortgage trick, or how Toronto's Municipal Land Transfer Tax doubles your cost compared to the rest of Ontario.

Emiro models the actual local rules in each country we cover: real tax brackets, the right retirement vehicles, accurate stamp duty rates per state, and country-specific quirks like UAE's DLD fees or US PITI breakdowns.

Why we built it

Big financial sites either lock their calculators behind sign-ups, stuff them with ads, or oversimplify the math to the point of being misleading. We wanted something we'd actually use ourselves:

• Locally accurate (2025–26 rates per country)
• Fully functional without an account
• No third-party tracking or personal data harvesting
• Honest about what's modeled and what isn't
• Free forever, no premium tier

What we cover

Five core calculators across seven countries:

• Mortgage — with country-specific features (PITI for US, fortnightly for AU/NZ, EMI for IN, Islamic finance for UAE)
• Salary — full gross-to-net including each country's social levies (NIC, FICA, CPP, KiwiSaver, Medicare, EPF)
• Income Tax — with country deductions, regime toggles, plus dedicated state/province pages for US and Canada
• GST / VAT / Sales Tax — all rates, all directions (add tax or extract tax), Indian CGST/SGST/IGST split
• Retirement — Super, 401(k), SIPP, RRSP, KiwiSaver, EPF + NPS + PPF, UAE gratuity — each modeled properly

Plus stamp duty for UK, Australia, and Canada — and a growing blog of practical money guides.

How we make money

Right now, we don't. Emiro is free to run (Vercel free tier, static pages) and free for you to use. There are no ads, no premium subscriptions, no affiliate links pushing products.

If we ever introduce monetization, it would be tasteful, optional, and never gate the core calculators.

What we're NOT

We're not financial advisers. We're not regulated. Nothing here constitutes financial, tax, or legal advice. For specific decisions — buying a home, restructuring your tax, planning your retirement — talk to a qualified professional in your country.

See our Terms of Service for the full disclaimer.

Get in touch

Found a bug? Have a feature request? Want to suggest a country or calculator? Contact us.