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⚡ Quick mortgage estimate

Home price ($) Interest rate (%)

Monthly payment est.

$2,094

P & I · 30-year fixed · 20% down

Full mortgage breakdown →

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Every financial tool you need — in one place

From first home to retirement. All tools work in USD, GBP and EUR.

Mortgage Calculator

Calculate monthly payments, total interest and amortisation. 15, 20 and 30-year fixed.

👥 5,210 uses today

Auto Loan Calculator

Monthly payment, total interest, term comparison and 2026 rate guide by credit score.

Amortization Calculator

Full month-by-month schedule with principal, interest, balance and extra payment analysis.

Rent vs Buy Analyser

The biggest financial decision simplified. Find your break-even year and true cost of ownership.

👥 2,840 uses today

Retirement Planner

Are you on track? Projects your 401(k), IRA or pension pot at your target retirement age.

👥 3,870 uses today

FIRE Calculator

Find your FIRE number and target retirement date based on your savings rate.

👥 1,640 uses today

Tax Bracket Estimator

Effective vs marginal rate. US Federal, UK PAYE and EU with full take-home breakdown.

👥 4,100 uses today

Capital Gains Tax

Stocks, property and crypto. Short vs long-term US/UK rates with net profit calculation.

👥 980 uses today

Salary Negotiator

Know your market value by role and city across US, UK and Europe.

👥 2,940 uses today

Take-Home Pay Calculator

Gross to net salary. See exactly what lands in your bank after all deductions.

👥 3,210 uses today

Budget Planner 50/30/20

Split your take-home into needs, wants and savings. See your 10-year wealth projection.

👥 1,850 uses today

Debt Payoff Planner

Avalanche vs snowball. Your debt-free date and total interest saved.

👥 1,320 uses today

Compound Interest Calculator

Watch your money grow with monthly contribution modelling.

👥 2,100 uses today

Cost of Living Comparator

Compare salaries and rents across NYC, London, Berlin, Austin and more.

👥 1,470 uses today

Inflation Calculator

See what any dollar amount from 1913-2026 is worth today, using real CPI data.

👥 980 uses today

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US, UK & Europe

Every tool supports USD, GBP and EUR. Tax tools cover US Federal, UK PAYE and EU.

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Built on 2025–2026 tax brackets, real salary data and current mortgage benchmarks.

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Financial education

The Ratixa Blog

In-depth guides and actionable advice for real financial decisions.

Mortgage & Home

Mortgage Rates in 2026: Should You Buy Now or Wait?

With 30-year rates at 6.46%, we break down exactly when to buy, when to wait, and what falling rates mean for your payment.

Mortgage & Home

How to Refinance Your Mortgage in 2026 — Is It Worth It?

Refinance rates at 6.71%. We show exactly when refinancing saves money, the break-even formula, and how to do it step by step.

First-Time Buyers

First-Time Home Buyer Guide 2026: DPA, FHA Loans & Affordability

Complete guide: how much house you can afford at 6.46%, every down payment assistance programme, and a step-by-step buying checklist.

ARM vs Fixed Rate 2026: Which Is Smarter When Rates Are Falling?

7/1 ARM at 6.02% vs 30-year fixed at 6.46%. We run the numbers across four scenarios to tell you which loan wins.

401(k) Limits 2026: New IRS Numbers and Catch-Up Rules

The IRS raised the limit to $24,500. Catch-up rises to $8,000, and high earners must use Roth.

7 Legal Ways to Pay Less Tax in 2026 — US & UK Edition

From maxing your HSA to using your full ISA allowance, these strategies can cut your bill by thousands.

How to Retire at 45: A Realistic FIRE Roadmap for Average Earners

You do not need a six-figure salary. A step-by-step plan built around real median incomes.

Avalanche vs Snowball: Which Debt Payoff Method Wins in 2025?

We modelled both strategies across 1,000 debt profiles. The winner might surprise you.

HELOC 2026: Rates, Rules and Real Costs

Average HELOC rate is 8.45% in July 2026. Learn what a HELOC really costs over 30 years.

How Much House Can I Afford in 2026?

The 28% rule is a starting point. Here is the full affordability maths by income and state.

Best High-Yield Savings Accounts 2026

Top rates paying 4.50–5.25% APY compared. Your bank is paying you 0.46%.

Roth vs Traditional IRA in 2026 After SECURE 2.0

The maths on which IRA wins at every income level in 2026, including the Backdoor Roth.

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Topic Cluster Guides

Complete financial guides for every goal

Deep-dive pillar guides covering every aspect of mortgages, retirement, tax and debt — each linking to our calculators and detailed articles.

Complete Mortgage Guide 2026

Rates by loan type, qualification requirements, true costs, and strategy for every buyer type.

7 tools & articles →

Complete Retirement Guide 2026

2026 contribution limits, account types, FIRE strategies, and the top mistakes that derail retirement plans.

6 tools & articles →

Complete Tax Guide 2026: US & UK

2026 brackets, deductions, capital gains rules, and 7 legal strategies to cut your tax bill.

6 tools & articles →

Debt & Savings Guide 2026

Avalanche vs snowball, best HYSA rates, budgeting frameworks, and the priority order to build wealth.

6 tools & articles →

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