{ "tools": { "position_size": { "title": "Position Size Calculator: Shares to Buy for Your Risk", "desc": "Enter capital, risk percentage, entry price and stop loss to get the number of units and your maximum loss.", "account_balance": "Account Balance", "risk_percentage": "Risk (%)", "entry_price": "Entry Price", "stop_loss": "Stop Loss", "take_profit": "Take Profit (Optional)", "units_to_buy": "Position Size (Units)", "risk_amount": "Capital at Risk", "total_position": "Total Invested Amount", "anchor": "Position size calculator" }, "pivot": { "title": "Pivot Point Calculator: Support and Resistance Levels", "desc": "Enter the previous high, low and close to get the pivot point, support and resistance levels with 5 methods.", "high": "High", "low": "Low", "close": "Close", "open": "Open", "method": "Calculation Method", "anchor": "Pivot point calculator" }, "fibonacci": { "title": "Fibonacci Retracement Calculator with Extension Levels", "desc": "Enter a swing high and low to get the 23.6% to 78.6% retracement levels and the 127.2% and 161.8% extensions.", "high": "High", "low": "Low", "uptrend": "Uptrend", "downtrend": "Downtrend", "anchor": "Fibonacci retracement calculator" }, "dca": { "title": "DCA Calculator: Dollar Cost Averaging for Stocks & Crypto", "desc": "Enter a monthly contribution, a duration and an annual return to see the total invested and the final value.", "monthly_amount": "Monthly Investment", "initial_lump": "Initial Lump Sum (Optional)", "duration": "Duration", "return_rate": "Estimated Annual Return", "total_invested": "Total Invested", "total_gain": "Unrealized Gain", "final_value": "Final Value", "legend_value": "Portfolio Value", "legend_invested": "Invested Amount", "anchor": "DCA calculator" }, "savings": { "title": "Savings Goal Calculator: How Much to Save Each Month", "desc": "Enter your target, current savings, time frame and interest rate to get the monthly deposit you need to reach it.", "goal_amount": "Goal Amount", "initial_savings": "Current Savings", "duration": "Timeframe", "rate": "Annual Interest Rate", "monthly_needed": "Monthly Savings Needed", "total_interest_earned": "Incl. Interest Earned", "anchor": "Savings goal calculator" }, "debt": { "title": "Debt Payoff Calculator: Snowball vs Avalanche Compared", "desc": "Plan paying off several debts with the snowball or avalanche method: debt-free date, interest paid, balance chart and both methods compared side by side.", "snowball": "Snowball", "avalanche": "Avalanche", "add_debt": "Add Debt", "extra_payment": "Extra Monthly Payment Capacity", "payoff_date": "Debt Free Date", "total_interest": "Total Interest Paid", "chart_title": "Remaining Balance Over Time", "advice_snowball": "The Snowball method prioritizes smallest debts first for quick psychological wins.", "advice_avalanche": "The Avalanche method is mathematically optimal: it minimizes interest by attacking highest rates first.", "anchor": "Debt payoff calculator" }, "buy_rent": { "title": "Rent vs Buy Calculator by State: When Buying Wins", "desc": "Compare a buyer's and a renter's net worth year by year, with US state taxes and PMI or UK stamp duty, deposit and mortgage rate.", "buy_params": "If I buy", "rent_params": "If I rent", "price": "Property Price", "notary": "Closing Costs", "down_payment": "Down Payment", "tax": "Property Tax (Yearly)", "appreciation": "Annual Property Appreciation", "rent": "Monthly Rent (excl. charges)", "rent_increase": "Annual Rent Increase", "return_rate": "Savings Return Rate (Invested Down Payment)", "verdict_buy": "Buying becomes profitable in:", "verdict_rent": "Renting remains better", "breakeven_year": "{{year}} years", "breakeven_desc": "This is when your net worth as an owner exceeds what you would have had by renting and investing the difference.", "rent_better": "Over 25 years", "chart_title": "Net Worth Comparison", "legend_buy": "Owner Net Worth", "legend_rent": "Renter Net Worth", "charges": "Rental Charges", "condo_fees": "HOA / Condo Fees", "maintenance": "Annual Maintenance", "anchor": "Rent vs buy calculator", "rent_better_years": "Over {{years}} years", "state": "State (property tax rate)", "state_median": "Median state ({{rate}}%)", "state_custom": "Custom amount", "options_title": "Options", "pmi": "Private mortgage insurance (PMI, down payment < 20%)", "pmi_rate": "PMI rate (% of loan per year, estimate)", "pmi_inactive": "Down payment of at least 20% of the price: no PMI.", "sell": "Selling costs (net worth if you sell)", "sell_pct": "Selling costs (% of sale price, estimate)", "cgt": "Capital gains tax on the home", "cgt_rate": "Tax rate on the gain", "cgt_exclusion": "Tax-free gain", "table_title": "Year-by-year net worth", "col_year": "Year", "col_gap": "Buyer − renter", "states_title": "Effective property tax rate by state (2024)", "states_note": "Property taxes paid as a percentage of owner-occupied home value in 2024. Source: Tax Foundation, Property Taxes by State and County, 2026 (U.S. Census Bureau, 2024 American Community Survey). Choosing a state applies its rate to the home price.", "col_state": "State", "col_rate": "Effective rate", "col_tax": "Tax on {{price}}", "seo_title": "Rent vs Buy Calculator (US & UK): When Buying Wins", "breakeven_year_one": "1 year", "country": "Country", "country_base": "United States", "country_uk": "United Kingdom", "uk_other_costs": "Other buying costs (solicitor, survey)", "uk_deposit": "Deposit", "uk_service_charge": "Service charge (leasehold)", "uk_sdlt": "Stamp Duty Land Tax (England & Northern Ireland)", "uk_ftb": "First-time buyer relief", "uk_sdlt_amount": "Stamp duty: {{amount}}, added to the buying costs", "uk_ftb_over": "Above £500,000, first-time buyer relief does not apply: standard rates.", "uk_sdlt_off": "Scotland (LBTT) or Wales (LTT): enter the tax in other buying costs.", "uk_ct_owner": "Council tax as owner", "uk_ct_tenant": "Council tax as tenant", "uk_ct_note": "Council tax is due from whoever lives in the home, owner or tenant: only the gap between the two amounts changes the result (England average for 2026-27: £1,868 per dwelling).", "uk_options_note": "UK: no PMI, and selling your main home is usually free of Capital Gains Tax." }, "rental": { "title": "Rental Yield Calculator France: Net, After-Tax, LMNP", "desc": "Enter price, rent, charges, vacancy and loan to get gross, net and after-tax yield and cash flow of a French rental: LMNP, micro-BIC or unfurnished.", "params_property": "The Property", "params_finance": "Financing", "price": "Purchase Price", "works": "Works / Renovation", "furniture": "Furniture", "rent": "Estimated Rent", "charges": "Non-recoverable Charges", "tax": "Property Tax", "contribution": "Down Payment", "rate": "Interest Rate", "duration": "Loan Duration", "monthly_payment": "Monthly Payment", "gross_yield": "Gross Yield", "net_yield": "Net Yield", "cashflow": "Cashflow", "month": "month", "analysis": "Financial Analysis", "credit": "Loan", "total_project": "Total Project Cost", "annual_cashflow": "Annual Cashflow", "per_month": "mo", "per_year": "yr", "quick_analysis": "Quick Analysis", "analysis_positive": "Excellent! This property is self-financing and generates positive cashflow. Potentially a very profitable investment.", "analysis_negative": "Warning: This property requires monthly saving effort. Ensure you can cover this deficit in the long term.", "anchor": "Rental yield calculator" }, "tax": { "title": "French Income Tax Calculator (impôt sur le revenu)", "desc": "Enter income, family situation and tax shares to estimate French income tax, with the family quotient and décote.", "parameters": "Income & Family", "annual_income": "Annual Taxable Net Income", "status": "Status", "single": "Single", "married": "Married / PACS", "children": "Children", "fiscal_parts": "Fiscal Parts", "estimated_tax": "Estimated Tax", "average_rate": "Average Rate", "marginal_rate": "Marginal Rate (TMI)", "net_pocket": "Net Pocket", "tax_amount": "Tax Amount", "anchor": "French income tax calculator" }, "currency": { "title": "Currency Converter with Daily Reference Exchange Rates", "desc": "Enter an amount and two currencies to convert it at the published reference rate, updated every business day.", "from": "From", "to": "To", "api_error": "Error connecting to exchange rates. Displaying estimated rate.", "last_update": "Last Update", "anchor": "Currency converter" }, "inflation": { "title": "French Inflation Calculator: Purchasing Power Over Time", "desc": "Pick an amount and two years to see its adjusted value and the cumulative price rise, based on French Insee data.", "amount": "Amount", "start_year": "Start Year", "end_year": "End Year", "equivalent_value": "Equivalent Value in", "cumulative": "Cumulative Inflation", "anchor": "French inflation calculator" }, "mortgage": { "title": "Mortgage Calculator: Monthly Payment and Amortization", "desc": "Enter loan amount, term, rate and insurance to get the monthly payment, the total cost and an amortization chart.", "project_amount": "Property Price / Project Amount", "borrowed_amount": "Borrowed Amount", "contribution": "Down Payment", "duration": "Duration", "rate": "Interest Rate", "insurance": "Insurance Rate", "monthly": "Estimated Monthly", "first_monthly": "1st Payment", "decreasing_to": "decreasing to", "total_interest": "Total Interest", "total_insurance": "Total Insurance", "total_cost": "Total Credit Cost", "chart_capital": "Principal", "chart_interest": "Interest", "chart_insurance": "Insurance", "parameters": "Loan Parameters", "years_suffix": "Years", "insurance_included": "insurance included", "taeg": "Approx. APR", "schedule_title": "Amortization Schedule", "schedule_year": "Year", "schedule_interest": "Interest", "schedule_principal": "Principal", "schedule_remaining": "Balance", "tab_schedule": "Schedule", "tab_chart": "Chart", "amortization_type": "Amortization Type", "type_standard": "Standard (Constant Annuity)", "type_linear": "Linear (Constant Principal)", "type_infine": "Interest Only (In Fine)", "anchor": "Mortgage calculator" }, "notary": { "title": "French Notary Fees Calculator: Transfer Tax and Costs", "desc": "Enter the price of a home or plot in France, old or new build, to estimate transfer taxes, notaire fees, the mortgage guarantee and furniture savings.", "property_price": "Property Price", "type_old": "Old Property", "type_new": "New Property", "department": "Department", "dept_standard": "5.80% (first-time buyer or département without increase)", "dept_reduced": "Reduced rate 5.09%", "total_fees": "Estimated Notary Fees", "of_price": "of price", "total_cost": "Total Operation Cost", "input_needed": "Recommended Down Payment (fees)", "breakdown": "Fees Breakdown", "tax_registration": "Registration Taxes", "tax_emoluments": "Notary Emoluments", "tax_misc": "Misc Fees & Disbursements", "anchor": "French notary fees calculator", "dept_increased": "Increased rate 6.32% (most départements)" }, "borrowing": { "title": "French Borrowing Power Calculator: Mortgage Capacity (35%)", "desc": "Enter net income, existing loans, rate and term to see how much you can borrow with a 35% debt-to-income cap.", "income_label": "Monthly Net Income", "income_hint": "Include salaries, smoothed bonuses, rental income...", "credits_label": "Other current credits (monthly)", "contribution_label": "Personal Contribution", "duration_label": "Duration", "rate_label": "Interest Rate (excl. insurance)", "max_capacity": "Max Borrowing Amount", "total_budget": "Total Purchase Budget", "max_monthly": "Max Monthly (35%)", "debt_ratio": "Debt Ratio", "disclaimer": "This calculation is an estimate based on the 35% max debt ratio standard. Your actual capacity will depend on the bank's review of your file.", "anchor": "French borrowing power calculator" }, "discount": { "title": "Discount Calculator: Price After One or Two Discounts", "desc": "Enter the list price and one or two stacked discounts to see the final price, the saving and the real discount.", "price": "Initial Price", "discount_1": "Discount 1 (%)", "discount_2": "Discount 2 (%) (Optional)", "final_price": "Final Price", "saved": "Total Saved", "total_discount": "Total Discount", "anchor": "Discount calculator" }, "vat": { "title": "French VAT Calculator: Net to Gross and Gross to Net", "desc": "Enter a net or gross amount and a rate (20%, 10%, 5.5% or 2.1%) to get net, VAT and gross amounts to the cent.", "ht_to_ttc": "Excl. to Incl. Tax", "ttc_to_ht": "Incl. to Excl. Tax", "amount_ht": "Amount Excl. Tax", "amount_ttc": "Amount Incl. Tax", "rate": "VAT Rate", "result_ht": "Amount Excl. Tax", "result_vat": "VAT Amount", "result_ttc": "Amount Incl. Tax", "base_ht": "Base Excl. Tax", "applied_rate": "Applied Rate", "other_rate": "Other rate...", "details": "Details", "vat_label": "VAT", "anchor": "French VAT calculator" }, "roi": { "title": "ROI Calculator: Return on Investment in Percent", "desc": "Enter the amount invested and the amount returned to get the ROI as a percentage and the net profit made.", "invested": "Invested Amount (Cost)", "returned": "Generated Amount (Revenue)", "net_profit": "Net Profit", "formula": "Formula used:", "formula_text": "((Revenue - Investment) / Investment) × 100", "viz": "Visualization", "investment": "Investment", "revenue": "Revenue", "anchor": "ROI calculator" }, "percentage": { "title": "Percentage Calculator: Percent Of, Share and Change", "desc": "Work out X% of an amount, what share a number is of a total, or the percentage change between two values.", "mode_simple": "Simple Percentage", "mode_total": "Percentage of Total", "mode_change": "Percentage Change", "what_is": "What is", "of": "of", "is_what": "is what % of", "from": "From", "to": "to", "result": "Result", "increase": "Increase", "decrease": "Decrease", "anchor": "Percentage calculator" }, "compound": { "title": "Compound Interest Calculator with Monthly Contributions", "desc": "Enter a starting amount, monthly deposit, rate and duration to see the final balance and the interest earned.", "initial": "Initial Deposit", "monthly": "Monthly Contribution", "rate": "Annual Interest Rate (%)", "years": "Duration (years)", "total_invested": "Total Invested", "total_interest": "Total Interest", "final_value": "Final Value", "chart_balance": "Balance", "chart_invested": "Invested", "history_summary": "{{initial}} + {{monthly}}/mo at {{rate}}% over {{years}} years → Final: {{final}}", "csv_simulation_title": "Compound Interest Simulation - Kristools", "csv_projection_title": "Compound Interest Projection - Kristools", "duration": "Duration", "years_value": "{{years}} years", "years_months_value": "{{years}} years ({{months}} months)", "col_year": "Year", "cumulative_interest": "Cumulative interest", "total_balance": "Total balance", "pdf_title": "Compound Interest & Savings Report", "pdf_assumptions": "Savings assumptions", "pdf_annual_return": "Annual rate of return", "pdf_horizon": "Investment horizon", "pdf_projection": "Long-term financial projection", "pdf_total_paid": "Total contributed (savings effort)", "pdf_interest_generated": "Gains / interest earned", "pdf_final_capital": "Final accumulated capital", "pdf_multiplier": "Capital multiplier", "pdf_note_monthly": "Calculation based on monthly compounding of interest.", "pdf_note_disclaimer": "Past performance is no guarantee of future returns. Applicable taxes are not included.", "anchor": "Compound interest calculator" }, "concrete-mortar-mix-calculator": { "title": "Concrete Mix Calculator: Cement Bags, Sand & Gravel", "desc": "Work out how many cement bags, how much sand, gravel and water a concrete slab or mortar needs, with a waste margin and the mix in kg/m³.", "anchor": "Concrete mix calculator" }, "deck-boards-pedestals-calculator": { "title": "Decking Joist Spacing Calculator: Span, Overhang, Boards", "desc": "Find the maximum deck joist spacing, joist span and overhang (2021 IRC), then the boards, joists, pedestals and screws for a wood or composite deck.", "anchor": "Deck joist spacing calculator" }, "slope-percent-degree-calculator": { "title": "Slope Calculator: Percent, Degrees & Ratio Converter", "desc": "Convert a slope between percent, degrees, 1:n ratio and x:12 pitch, or find it from a rise and run or two points. Roof, drain and ramp benchmarks.", "anchor": "Slope calculator" }, "stair-blondel-calculator": { "title": "Stair Calculator: Blondel’s Rule, Riser & Tread Size", "desc": "Find the number of steps, riser height, tread depth and run of your staircase, with a Blondel’s rule check (2h + g = 60 to 64 cm).", "anchor": "Stair calculator" }, "couple-expense-split-calculator": { "title": "Couple Bill Split Calculator: 50/50 or by Income Share", "desc": "Split rent, groceries and bills with your partner: 50/50, in proportion to income or with equal money left over, showing what each of you pays and keeps.", "anchor": "Couple bill split calculator" }, "georisques-risques-adresse": { "title": "Natural hazards in France by address: Géorisques lookup", "desc": "Enter a French address to see listed hazards, seismic zone, clay shrink-swell exposure, radon category and natural disaster orders from Géorisques.", "anchor": "Natural hazards in France" }, "parcelle-cadastrale-adresse": { "title": "French cadastral parcel lookup by address: number and area", "desc": "Find the cadastral reference of a French address: section, parcel number, recorded area in m², municipality and outline, from IGN cadastre data.", "anchor": "French cadastral parcel lookup" }, "crypto-fear-greed-index": { "title": "Crypto Fear and Greed Index today: Bitcoin sentiment score", "desc": "Today's crypto Fear and Greed Index (0-100) with yesterday, 7 and 30 days ago, weekly and monthly averages and a 30-day chart. Data: Alternative.me.", "anchor": "Crypto Fear and Greed Index" }, "frais-transaction-bitcoin": { "title": "Bitcoin transaction fee calculator: live sat/vB and cost", "desc": "Live recommended Bitcoin fees (next block, 30 min, 1 hour, economy) and the cost of a transaction in sats, BTC and euros or dollars. Editable size.", "anchor": "Bitcoin transaction fee calculator" }, "indice-big-mac-ppa": { "title": "Big Mac Index 2026: purchasing power parity by country", "desc": "The Economist's Big Mac index: local price, dollar price and how far each currency is under- or overvalued against the dollar, euro or pound." }, "argentina-inflation-calculator": { "title": "Argentina Inflation Calculator: Adjust Pesos by INDEC CPI", "desc": "Adjust a peso amount in Argentina between two months with INDEC's national CPI: cumulative inflation, monthly average and lost purchasing power.", "anchor": "Argentina inflation calculator" }, "argentina-uva-mortgage-calculator": { "title": "Simulador crédito UVA: Argentina UVA mortgage calculator", "desc": "Simulate a UVA mortgage in Argentina: payment in UVA and pesos, live BCRA UVA value, payment-to-income ratio and a projection under your inflation guess.", "anchor": "Argentina UVA mortgage calculator" }, "brazil-cdi-vs-poupanca-calculator": { "title": "Brazil CDI x poupança calculator: which pays more?", "desc": "Compare CDI x poupança in Brazil with today's Banco Central rates: a CDB or LCI/LCA at X% of CDI after income tax and IOF against the tax-free poupança.", "anchor": "Brazil CDI x poupança calculator" }, "colombia-uvt-converter": { "title": "Colombia UVT to pesos converter: UVT 2026 (COP 52,374)", "desc": "Convert UVT to pesos and back in Colombia with the official DIAN value for 2020 to 2026 and the rounding rule of article 868 of the Estatuto Tributario.", "anchor": "Colombia UVT to pesos converter" }, "germany-tilgung-mortgage-calculator": { "title": "German Mortgage Calculator: Tilgungsrechner and Restschuld", "desc": "Home loan in Germany: monthly payment from Sollzins and Tilgung, repayment plan, Restschuld at the end of the Zinsbindung, extra repayments.", "anchor": "German mortgage calculator" }, "livret-quinzaines-interest-calculator": { "title": "Livret A Interest Calculator (France): Fortnight Rule", "desc": "Calculate interest on a Livret A, LDDS or LEP in France with the fortnight (quinzaine) rule: 2026 rates, dated deposits and best dates to move money.", "anchor": "Livret A interest calculator France" }, "spain-euribor-variable-mortgage-calculator": { "title": "Simulador hipoteca Euribor: variable mortgage in Spain", "desc": "Simulate a variable-rate hipoteca in Spain: Euribor + spread, yearly or 6-monthly reviews, payment and interest per period under your Euribor scenario.", "anchor": "Variable mortgage in Spain" }, "uk-stamp-duty-calculator": { "title": "UK Stamp Duty Calculator 2026: SDLT for England and NI", "desc": "Work out UK stamp duty (SDLT) on a home in England or Northern Ireland: first-time buyer relief, 5% second home surcharge, 2% non-resident rate.", "anchor": "UK stamp duty calculator" }, "morocco-cnss-pension-calculator": { "title": "Morocco CNSS pension calculator (old-age pension)", "desc": "Estimate your CNSS retirement pension in Morocco from your declared days (1,320 minimum) and average pay, under the 2025 rules of Law No. 02.24.", "anchor": "Morocco CNSS pension calculator" }, "mexico-uma-converter": { "title": "UMA to pesos calculator: Mexico UMA 2026 (117.31 MXN)", "desc": "Mexico: convert UMA to pesos and back using the daily, monthly or annual value, with INEGI figures from 2016 to 2026 and the 2026 rate.", "anchor": "UMA to pesos Mexico" }, "community-fee-share-calculator": { "title": "Community fees calculator Spain: share by quota (cuota)", "desc": "Split a community of owners' budget in Spain by each unit's participation quota: monthly, quarterly and yearly fees, derrama and reserve fund.", "anchor": "community fees calculator Spain" }, "budget-planner-50-30-20": { "title": "50 30 20 budget planner: envelopes and money left", "desc": "Split your monthly take-home pay with the 50/30/20 rule, edit the percentages, add envelopes and see how much is left to budget, all in one currency.", "anchor": "50 30 20 budget planner" }, "dividend-income-calculator": { "title": "Dividend calculator: yield, income and DRIP growth", "desc": "Work out dividend yield, annual and monthly income, what reinvesting does over N years, and the net amount after the tax rates you enter yourself.", "anchor": "Dividend calculator" }, "drywall-plasterboard-calculator": { "title": "Drywall calculator: sheets, screws, tape and joint compound", "desc": "Estimate drywall for walls and ceilings with openings: 4x8, 4x10 or 4x12 sheets with waste, screws, joint tape length, joint compound and a sheet layout.", "anchor": "Drywall calculator" } } }