Section
Tax and budget
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Your tax, your tax return, your rights, your budget and your home. 13 tools and pages, all free, with no sign-up or cookies.
Tax
- Tax refund or tax to pay? In seasonWhat you will get back or pay on your 2026 income: reform, pension savings, childcare, donations and old mortgage loan included.
- Household tax simulatorThe full tax of a couple or a single person: salaries, self-employment, pensions, benefits, cadastral income, dividends and reductions, line by line.
- Year-end tax checklist In seasonWhat pension savings, donations, childcare and service vouchers bring you, to do before 31 December 2026.
- Actual expenses or lump sum?Do your proven professional expenses (commuting, office, equipment) beat the 30% lump sum, capped at €6,070?
- Tax return assistantThe amounts on your forms 281.10, 281.11, 281.12, 281.13 and your certificates, each in its Tax-on-web code, with the simulated result.
- The State’s till receiptYour contributions and tax split across the main functions of public spending (pensions, health, education…).
- Your municipality and your net payYour municipality’s municipal tax rate, what it costs you a year and what a move would change.
Budget and housing
- The salary you needYour monthly budget and your loans: the gross pay you need as a white-collar worker, blue-collar worker, self-employed person or through Smart.
- How much can I borrow?The affordable monthly repayment, the amount you can borrow and the purchase price, including registration duty and notary fees.
- Rent or buy?Indexed rent or buying with costs, interest and property tax: your wealth over 10 or 20 years.
- Couple’s budgetEach partner’s net pay, shared expenses pro rata, four-fifths working and separation.
- Support you may be entitled toIncreased reimbursement, family allowance supplements, study grants, social tariff: the thresholds and the links.
- Wage garnishment: how much you keepThe protected part of your salary, the garnishable brackets, dependent children and help with debt mediation.
Guided paths
- I’m finishing my studiesFrom student job to first salary: what changes, month by month.
- I’m becoming a parentThe effect of a child on net pay, tax, leave and support.
- I’m buying or renting a homeBorrowing capacity, renting or buying, rent indexation.
- I’m losing my jobNotice, compensation, unemployment and returning to work.
- I’m filing my tax returnCheck the proposal, choose between actual expenses and the lump sum, understand the result.
- I’m preparing for retirementYour net pension, working while retired, combining income and pension savings.
What next?
- All tools (121)The full catalogue, filterable by profile.
- Guided pathsThe right tools in the right order, for life’s big moments.