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P & I · 30-year fixed · 20% down
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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.
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Mortgage Calculator
Calculate monthly payments, total interest and amortisation. 15, 20 and 30-year fixed.
👥 5,210 uses today
⭐ Popular
Rent vs Buy Analyser
The biggest financial decision simplified. Find your break-even year and true cost of ownership.
👥 2,840 uses today
⭐ Popular
Retirement Planner
Are you on track? Projects your 401(k), IRA or pension pot at your target retirement age.
👥 3,870 uses today
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FIRE Calculator
Find your FIRE number and target retirement date based on your savings rate.
👥 1,640 uses today
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Tax Bracket Estimator
Effective vs marginal rate. US Federal, UK PAYE and EU with full take-home breakdown.
👥 4,100 uses today
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Capital Gains Tax
Stocks, property and crypto. Short vs long-term US/UK rates with net profit calculation.
👥 980 uses today
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Salary Negotiator
Know your market value by role and city across US, UK and Europe.
👥 2,940 uses today
⭐ Popular
Take-Home Pay Calculator
Gross to net salary. See exactly what lands in your bank after all deductions.
👥 3,210 uses today
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Budget Planner 50/30/20
Split your take-home into needs, wants and savings. See your 10-year wealth projection.
👥 1,850 uses today
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Debt Payoff Planner
Avalanche vs snowball. Your debt-free date and total interest saved.
👥 1,320 uses today
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Compound Interest Calculator
Watch your money grow with monthly contribution modelling.
👥 2,100 uses today
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Cost of Living Comparator
Compare salaries and rents across NYC, London, Berlin, Austin and more.
👥 1,470 uses today
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Auto Loan Calculator
Monthly payment, total interest and 2026 rate guide by credit score.
👥 1,180 uses today
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Amortization Calculator
Full month-by-month schedule with extra payment impact.
👥 2,050 uses today
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Inflation Calculator
See purchasing power changes since any year, 1913-2026.
👥 890 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.
JM
Mortgage & Home
May 202612 min
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.
JM
James Miller
12 min
JM
Mortgage & Home
May 202611 min
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.
JM
James Miller
11 min
SC
First-Time Buyers
May 202614 min
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.
SC
Sarah Chen
14 min
JM
Mortgage Types
May 202611 min
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.
JM
James Miller
11 min
SC
Retirement
Jan 20268 min
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.
SC
Sarah Chen
8 min
AP
Tax Strategy
Jan 202610 min
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.
AP
Alex Patel
10 min
RT
FIRE Movement
Mar 202514 min
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.
RT
Rachel Turner
14 min
MK
Debt Payoff
Mar 20257 min
Avalanche vs Snowball: Which Debt Payoff Method Wins in 2025?
We modelled both strategies across 1,000 debt profiles. The winner might surprise you.
MK
Mike Kim
7 min
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