15 New Free Finance & Tax Calculators — PSLF, Medicaid Spend-Down, NZ Super, EII Ireland & More (2026)

15 New Free Finance & Tax Calculators — Built Tonight, All Privacy-First

Just shipped 15 new free calculators on tool.teamzlab.com — covering US tax credits, mortgage PMI removal, public service loan forgiveness, and country-specific tools for Australia, New Zealand, Singapore, Malaysia, Hong Kong, France, Ireland, and Switzerland. All run 100% in your browser — no signups, no data leaves your device, no ads tracking your inputs.

Real Google data backs this batch: mortgage refinance calculator searches in the US alone hit 74,000/month at $4.76 average CPC (Google Ads, April 2026), reflecting strong advertiser demand for property-tax tools. Student loan and IDR-related searches spike each January with the start of US tax filing season — Schedule D capital loss carryover is a top filing-season query.

US Tax & Finance — 6 New Tools

Capital Loss Carryover Calculator — Calculate how much of a net capital loss you can deduct against ordinary income this year (up to $3,000 / $1,500 MFS) and how much carries forward to future years using IRS Schedule D rules. Handles both short-term and long-term losses with character preservation — short-term carryovers stay short-term, long-term stay long-term.

Homestead Exemption Savings Calculator — Estimate annual property tax savings from your state's homestead exemption. Compares Texas ($100K school exemption + 10% cap), Florida ($50K + Save Our Homes 3% cap), Georgia, California (Prop 13), Illinois, Louisiana, and 8 more states.

PSLF Calculator — Public Service Loan Forgiveness estimator. Project the forgiven balance after 120 qualifying payments, IDR plan comparison (PAYE vs IBR vs ICR), MAGI-based discretionary income calculation, and SAVE-plan-blocked workaround.

Medicaid Spend-Down Calculator — Calculate spend-down required for Medicaid LTC eligibility. Includes 2026 federal asset limits, Community Spouse Resource Allowance ($157,920), Monthly Maintenance Needs Allowance, and 5-year look-back risk warnings.

Student Loan Interest Deduction 2026 — IRS $2,500 cap calculator with 2026 MAGI phase-outs ($80K-$95K single, $165K-$195K MFJ). Shows federal + state tax savings at your bracket.

Conventional PMI Removal Calculator — Calculate when you can request, automatically end, or refinance away conventional mortgage PMI using the federal Homeowners Protection Act 80%/78% rules and current home value.

Multi-Country Tools — 9 New Calculators

NZ Super Eligibility Calculator — Check eligibility for New Zealand Superannuation 2026. Age 65, 10/5-year residency rule, partner deduction, Section 70 overseas pension offset.

Calculateur Pension Alimentaire France — French child support calculator using the official Ministère de la Justice 2026 barème — résidence classique, alternée, droit de visite réduit, with CAF/ARIPA intermediation context.

EII Calculator Ireland — Employment Investment Incentive — up to 40% income tax relief on qualifying Irish SME investments. Covers €1,000-€500,000 cap, 4-year hold rule, and CGT-on-exit interaction.

Säule 3a Bezugssteuer Rechner Schweiz — Swiss pillar 3a withdrawal tax calculator. 14 cantons (ZH, BE, GE, BS, ZG, etc.), staggered-payout strategy savings, Bund + Kanton + Gemeinde + Kirche split.

AU Work Bonus Calculator — Calculate how much extra you can earn under the Centrelink Work Bonus while keeping Age Pension. $300/fortnight free area, $11,800 income bank, $4,000 starting credit.

SG CPF Shielding Strategy Calculator — Singapore CPF shielding pre-55. Calculates savings from keeping more of your SA balance at 4% via CPFIS investment. Includes 2026 SA closure announcement context.

MY Zakat Pendapatan Calculator — Malaysian income zakat with LHDN tax rebate (full credit, not just deduction). 14 state nisab values, uruf taajil vs uruf wa'iyy methods.

HK Working Family Allowance 2026 — Hong Kong WFA tier eligibility — basic, medium, higher allowance based on working hours and household monthly income. Per-child rate added.

Credit Card Cash Back vs Points Calculator — Compare net annual return of cash back vs travel-points cards based on your spending profile, 2026 industry point valuations, sign-up bonus, and statement credits.

Why These Tools Matter

Every calculator above runs entirely client-side — your inputs never hit a server. We don't sell data. We don't build profiles. Your salary, loan balance, retirement assets stay between you and the math.

Most personal finance sites require email signup to use the same calculations. We believe that's wrong. The math is the math — there's no reason to gate it. Use the tools. Bookmark them. Share with your accountant.

What's Next

We're adding ~15-25 high-RPM calculators per night. Next batch: more US state tax variants, UK Finance Bill 2026 tools, and German Steuerreform calculators. All free, all client-side, all privacy-first.

Visit tool.teamzlab.com for the full library of 2,800+ free tools.

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Sources: IRS Topic No. 409 (capital loss carryover), IRS Topic No. 456 (student loan interest), Federal Student Aid PSLF, CFPB PMI removal guidance, Revenue.ie EII, Work and Income NZ, Services Australia Work Bonus, CPF Board Singapore, LHDN Malaysia, WFSFAA Hong Kong.

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Originally published at https://tool.teamzlab.com?utm_source=blogger&utm_medium=article&utm_campaign=2026-05-build-15-multi-country-finance-tax-tools-may-2026