Financial calculators for Italy
ItalyNet salary, mortgage, and retirement tools for Italy, plus BTP yield and Buoni Fruttiferi Postali calculators.
This page collects every calculator on the site that matters for a long-horizon money decision in Italy. The Italy net salary calculator up top uses the 2026 IRPEF brackets, INPS contributions, detrazioni, and trattamento integrativo, prefilled and fully editable. Below it sit the generic tools most relevant to Italian savers and homeowners: mortgage, rent versus buy, compound interest, retirement, FIRE, inflation, term deposit, and pay off the mortgage or invest.
The generic calculators are not Italy-specific, but they are valid for Italy: every rate, threshold, and cost is an input you set yourself, so entering Italian mortgage rates, INPS-adjusted savings, or your own tax situation makes the result apply to you. None of them assume any country's law; they compute the arithmetic once you supply the numbers.
Two calculators built specifically for Italian instruments live on this page as well. The BTP calculator solves the gross and net yield to maturity of a fixed-coupon Buono del Tesoro Poliennale from its price, coupon, and years to maturity, applying the 12.5% tax on coupons and capital gains. The Buoni Fruttiferi Postali calculator works out the net redemption value of a buono ordinario against the stepped rate schedule of the current CDP series, after the 12.5% tax and stamp duty.
Calculators for Italy
Italy Net Salary Calculator (2026)
Gross to net for Italy, with 2026 IRPEF brackets, INPS, detrazioni, and trattamento integrativo prefilled.
Open calculatorMortgage Calculator
Monthly payment, full amortization schedule, and the real cost of overpaying.
Open calculatorRent vs Buy Calculator
Project net worth for renting, buying with cash, and buying with a mortgage.
Open calculatorCompound Interest Calculator
Grow a starting amount with monthly deposits and see when interest overtakes what you paid in.
Open calculatorRetirement Calculator
Project your savings to retirement, add your pension, and see the monthly gap versus the income you want.
Open calculatorFIRE Calculator
Your FIRE number, the years until your portfolio covers your spending, and what the savings rate changes.
Open calculatorInflation Calculator
What an amount today will still buy years from now, and the sum you will need then to match it.
Open calculatorTerm Deposit Calculator
What a term deposit or CD really pays: maturity value, net interest after tax, and the return left once inflation is counted.
Open calculatorBTP Yield Calculator
Gross and net yield to maturity for a BTP, from its price, coupon, and years to maturity.
Open calculatorBuoni Fruttiferi Postali Calculator
Net redemption value of a Buono Fruttifero Postale, net of tax and duty, against a deposit or BTP.
Open calculatorPay Off Mortgage or Invest Calculator
Overpay the mortgage or invest the surplus? Final net worth on both paths, and the break-even return that decides it.
Open calculatorFrequently asked questions
What is on this page?
The Italy net salary calculator, prefilled with 2026 IRPEF brackets, INPS contributions, detrazioni, and trattamento integrativo, plus a curated set of the site's generic long-horizon calculators (mortgage, rent versus buy, compound interest, retirement, FIRE, inflation, term deposit, and pay off the mortgage or invest) framed for Italian readers. Two Italy-specific calculators also live on this page: a BTP yield calculator and a Buoni Fruttiferi Postali calculator.
Are the generic calculators accurate for Italy?
Yes, as long as you set the country-specific values yourself. None of the generic calculators hard-code any country's tax law or fee schedule; every rate, threshold, and cost is an input, so entering your Italian mortgage rate, your INPS-adjusted savings, or your own income figures makes the arithmetic apply to your situation. Only the net salary calculator above ships with Italy's official rates prefilled.
Are the BTP and Buoni Fruttiferi Postali calculators ready to use?
Yes. Both are live on this page. The BTP calculator uses gross and net yield to maturity math sourced from the Ministero dell'Economia e delle Finanze and the relevant tax law, and the Buoni Fruttiferi Postali calculator uses the rate schedule and tax rules published by Poste Italiane and Cassa Depositi e Prestiti.
Does this page give financial or tax advice?
No. Every calculator here is for educational purposes only. Tax law, bond yields, and postal savings rates change, and none of these tools replace a commercialista, a financial advisor, or your own bank. Verify any figure that matters against an official source before acting on it.
These calculators are for educational purposes only and are not financial advice. Always consult a qualified financial advisor, mortgage professional, or your bank before making a commitment.
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