Nineteen countries share the euro. They don't share a VAT rate, a mortgage market or tipping customs, so a calculator has to think country by country. This page does: VAT for each EU state, loans and mortgages quoted in euros, health maths in metric. Free, no sign up, instant answers.

VAT is where "Europe" stops being one place. A standard purchase is taxed at 19% in Germany, 20% in France and Austria, 21% in Spain, the Netherlands and Belgium, 22% in Italy, 23% in Ireland, Poland and Portugal, 24% in Greece, 25% in Sweden and Denmark, 25.5% in Finland, and 27% in Hungary, the highest in the EU, against 17% in Luxembourg at the other end. Quote the wrong rate and the invoice is wrong. An eu vat calculator picks the right country's rate and works both directions: net price up to gross, or gross stripped back to net with the VAT element shown. The classic trap to avoid: subtracting 20% from a €120 gross total gives €96, but the real net is €100. VAT is always calculated on the net figure, never the gross.

Every loan on the continent answers to the same three numbers: how much you borrow, the annual rate, and the repayment period. A loan calculator europe shoppers trust turns those into the monthly repayment, the interest total and the full cost, early payments mostly interest, later ones carving down the principal until nothing is left. The honest comparison is the APR, which folds most fees into one yearly figure: two loans with the same headline rate can differ by thousands once the fees are inside. Compare the APR, not the advert.

Home loans split two ways across Europe. Fixed rate locks your interest, and usually your monthly payment, for an agreed stretch, which makes budgeting boring in the best possible way. Variable rate rides benchmarks like Euribor, the euro area reference rate, so your payment breathes with the market. Our mortgage calculator europe lines up amounts, rates and terms side by side: run the fixed scenario and the variable one, then ask what a two point rate rise does to the variable payment. That's the number worth losing sleep over before you sign, not after.

Your doctor in Stockholm and your doctor in Athens read the same chart: weight and height in metric, checked against the World Health Organization's BMI bands, under 18.5 underweight, 18.5 to 24.9 healthy, 25 to 29.9 overweight, 30 and above obesity. A BMI calculator gives you that number in seconds. Treat it as a flag, not a verdict: muscle weighs more than fat, so a well built athlete can land "overweight" while being anything but. A starting point for the conversation with your doctor, nothing more.

The small sums have no European rulebook. Tipping is included in the bill by law or custom in some countries, rounding up is polite in others, and in many places nobody tips at all, so check the bill before you add anything. Bill splitting, percentages and unit conversions all run in euros, instantly, in your browser. Budgeting a move to Dublin, pricing a renovation in Lyon, checking a receipt in Helsinki: the numbers stay local wherever "local" happens to be. Free, no sign up.

Frequently asked questions

Why does VAT differ from one EU country to another?

Each EU member state sets its own standard VAT rate within rules agreed at EU level, and the rate that applies is generally the one in the country where the goods or services are supplied. That is why a standard purchase is taxed at 19% in Germany, 21% in Spain and 27% in Hungary. Shops show VAT inclusive prices to consumers, while businesses usually quote net prices and add VAT on the invoice, our calculator handles both directions.

How do I add VAT to a price, and how do I remove it?

To add VAT, multiply the net price by one plus the rate: a €100 net price at 20% VAT becomes €100 × 1.20 = €120. To remove VAT from a gross price, divide by one plus the rate: €120 gross at 20% becomes €120 ÷ 1.20 = €100 net, with €20 of VAT inside it. The common mistake is subtracting 20% from the gross €120, which gives €96, the wrong answer, because the percentage applies to the net figure, not the gross one.

How is my monthly loan repayment calculated?

Your repayment comes from three inputs: the amount borrowed, the annual interest rate, and the term in months or years. A standard formula spreads the cost evenly, so you pay the same amount each month, early payments are mostly interest, while later payments reduce the principal faster. The calculator shows the monthly figure, the total interest, and the full cost of the loan. Always compare the APR (annual percentage rate) rather than the headline rate, because the APR includes most fees.

Should I choose a fixed or a variable mortgage rate?

A fixed rate locks your interest, and usually your monthly repayment, for an agreed period, which makes budgeting predictable; fixed rates often start slightly higher to cover the lender's risk. A variable rate follows market benchmarks such as Euribor, so your repayment can fall when rates drop but rise when they climb. Fixed suits buyers who value certainty or plan to stay put, while variable can suit those comfortable with some movement. Run both scenarios in a mortgage calculator before you decide.

How much should I tip in Europe?

Honestly, it depends on the country. In some places a service charge is included in the bill by law or custom and nothing extra is expected; in others, rounding up the bill or leaving around 5 to 10% is the polite norm; in many countries tipping is simply optional. There is no single European rule, so check the local custom, and look at the bill first to see whether service is already included.

What are the standard BMI categories?

BMI is read against World Health Organization bands used worldwide: under 18.5 is underweight, 18.5 to 24.9 is the healthy range, 25 to 29.9 is overweight, and 30 or above is classed as obesity. Our calculator takes metric inputs, kilograms and metres, so there is no need to convert from other units. Remember that BMI is a screening measure, not a diagnosis: very muscular people can score high without excess body fat, so treat the result as a starting point for a conversation with your doctor.

Free Europe Calculators

Free Calculators for Europe: VAT, Loans, Mortgages & Everyday Sums