Question 1

Is Wealth Calculator Hub free to use?

Accepted Answer

Yes. All calculators and tools are completely free, with no sign-up, account, or payment required. We sustain the site through ethical advertising.

Question 2

How accurate are the calculators?

Accepted Answer

Our calculators use industry-standard financial formulas and current legislative rates for each country. They are updated whenever rates change (e.g. ISA allowances, IRS limits, Super Guarantee rates). They use simplified assumptions and should be used as a planning starting point, not as professional financial advice.

Question 3

Do you provide financial advice?

Accepted Answer

No. Wealth Calculator Hub provides educational tools, not personalised financial advice. Please consult a qualified financial adviser, accountant, or attorney before making important financial decisions.

Question 4

Is my financial data safe?

Accepted Answer

Yes. All calculator inputs and results are processed entirely in your browser. We never collect, store, transmit, or access any financial data you enter. Your data never leaves your device.

Question 5

Which countries do the calculators cover?

Accepted Answer

Our calculators cover the United Kingdom (ISA, stamp duty, FIRE with State Pension), India (SIP, FIRE, home loan, net worth), Australia (superannuation), United States (401k, retirement), and Canada (TFSA). We regularly add new calculators.

Question 6

What is the ISA allowance for 2026-27?

Accepted Answer

The ISA allowance is £20,000 for 2026-27 — covering all ISA types combined (Cash, Stocks & Shares, Lifetime, Innovative Finance). This is the last year under-65s can put the full £20,000 into a Cash ISA; from 6 April 2027 the Cash ISA limit for under-65s drops to £12,000.

Question 7

What CGT rates apply to investments outside an ISA in 2026?

Accepted Answer

Following the October 2024 Budget, CGT on shares and investments is 18% (basic rate taxpayers) and 24% (higher rate taxpayers). The annual exempt amount is just £3,000 — making the ISA wrapper more valuable than ever.

Question 8

How is stamp duty calculated in England in 2025-26?

Accepted Answer

Stamp Duty Land Tax (SDLT) is a banded, progressive tax. From 1 April 2025: 0% on the first £125,000; 2% on £125,001–£250,000; 5% on £250,001–£925,000; 10% on £925,001–£1,500,000; 12% above £1,500,000. First-time buyers pay 0% on the first £300,000 for properties up to £500,000.

Question 9

How does the SIP calculator work?

Accepted Answer

The SIP calculator uses the future value of annuity formula: FV = P × [((1+r)^n - 1) / r] × (1+r), where P is monthly investment, r is monthly return rate, and n is total months. We also offer a reverse SIP calculator — enter your target corpus to find the required monthly investment.

Question 10

What is the FIRE number for Indians?

Accepted Answer

The standard 4% rule multiplier (25×) is designed for US markets. For India, a safer multiplier is 30× annual expenses due to higher inflation (5–7%) and no universal healthcare. For example: ₹50,000/month expenses × 12 months × 30 = ₹1.8 crore FIRE number.

Question 11

What is the best return rate to use for SIP calculations?

Accepted Answer

Nifty 50 index funds have historically returned 12–14% annually over 15+ years. For conservative estimates, use 10–11%. Flexi-cap and large-cap active funds average 11–13%. Avoid using returns above 15% for long-term planning.

Question 12

What is the Super Guarantee rate in 2025-26?

Accepted Answer

The Super Guarantee (SG) rate is 12% from 1 July 2025 — the final legislated rate. This applies to your ordinary time earnings. The maximum super contribution base is $62,500/quarter ($250,000/year) for 2025-26.

Question 13

What is the concessional contributions cap for 2025-26?

Accepted Answer

The concessional cap is $30,000/year. This includes employer SG, salary sacrifice, and personal deductible contributions combined. Exceeding this cap means the excess is taxed at your marginal rate minus a 15% offset.

Question 14

When can I access my superannuation?

Accepted Answer

Preservation age is 60 for anyone born after 1 July 1964. You must also meet a condition of release (typically retiring with no intention of returning to work for more than 10 hours/week). The Age Pension age is separate at 67.

Question 15

What is the 401(k) contribution limit for 2026?

Accepted Answer

The employee deferral limit is $24,500 for 2026. Workers aged 50-59 and 64+ can add an $8,000 catch-up ($32,500 total). Workers aged 60-63 qualify for the SECURE 2.0 super catch-up of $11,250 ($35,750 total). The combined employee + employer limit is $72,000.

Question 16

What is the 4% rule?

Accepted Answer

The 4% rule states that withdrawing 4% of your portfolio in year one of retirement — then adjusting for inflation annually — has historically kept a portfolio intact for 30+ years. Your FIRE number = desired annual income × 25. Morningstar's 2025 research suggests 3.9% for new retirees.

Question 17

What is the difference between Traditional and Roth 401(k)?

Accepted Answer

Traditional: contributions are pre-tax (reduce taxable income now), withdrawals are taxed in retirement. Roth: contributions are after-tax, all growth and withdrawals are tax-free, and there are no required minimum distributions from 2024 onwards.

Question 18

What is the FIRE movement?

Accepted Answer

FIRE stands for Financial Independence, Retire Early. It involves aggressively saving and investing — often 50–70% of income — to accumulate a portfolio large enough to live off indefinitely without working. The standard FIRE number is annual expenses × 25 (4% rule), or × 30 for a more conservative Indian market adjustment.

Question 19

What is the 4% rule and is it safe?

Accepted Answer

The 4% rule (from the Trinity Study) shows that a diversified portfolio can support a 4% annual withdrawal for 30 years with high historical confidence. For retirements lasting 40–50 years (early retirees), 3–3.5% is more conservative. UK retirees can adjust their FIRE number down significantly by factoring in State Pension from age 67.

Question 20

How does the Age Calculator work?

Accepted Answer

Our Age Calculator computes the exact duration between two dates in years, months, days, hours, minutes, and seconds. It uses the most common western age system where age increases on your birthday. It also calculates days until your next birthday.

Question 21

How does the QR Code Generator work?

Accepted Answer

Enter any URL, text, email, or phone number and our tool generates a scannable QR code instantly. You can customise size and colours, then download as a PNG image.

Question 22

Do you have a mobile app?

Accepted Answer

Not currently, but our website is fully responsive and works well on mobile devices. You can add it to your home screen for app-like access.

Question 23

Can I suggest a new calculator?

Accepted Answer

Absolutely. Send suggestions to contact@wealthcalculatorhub.com and we will consider them for future updates.

Frequently Asked Questions

General

🇬🇧 UK — ISA & Stamp Duty

🇮🇳 India — SIP & FIRE

🇦🇺 Australia — Superannuation

🇺🇸 United States — 401(k) & Retirement

FIRE & Retirement Planning

Tools & Technical