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Independent personal-finance publisher · sourced and dated

Money, made clear.

In-depth guides and explainers for 8 countries, plus free, source-checked calculators. Written in-house and cited to the tax authority.

Hours of work for an iPhone, 2026: 30 countries rankedGlobal

Hours of work for an iPhone, 2026: 30 countries ranked

Teja Pagidimarri

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Comfortable living salary in NYC 2026: $143K single, $315K family of fourCity Salary

Comfortable living salary in NYC 2026: $143K single, $315K family of four

What gross salary do you need to live a comfortable life in New York City in 2026? Real Manhattan vs Brooklyn budget, all five tiers, and the federal + NY State + NYC tax math that pushes the gross higher than you think.

Teja Pagidimarri
Comfortable living salary in Singapore 2026: S$86K single, S$182K familyCity Salary

Comfortable living salary in Singapore 2026: S$86K single, S$182K family

What gross salary does a comfortable life in Singapore require in 2026? CBD condo vs HDB resale, expat vs PR tax math, and the GST plus CPF effect on take-home.

Teja Pagidimarri
Should I take the raise? 2026 decision framework (with commute + remote math)Career

Should I take the raise? 2026 decision framework (with commute + remote math)

A 20% raise that adds 90 minutes of daily commute and removes remote can be a pay cut once you price commute at your real hourly wage. The framework and 5 worked examples.

Teja Pagidimarri
India CTC vs In-Hand 2026: decoder + worked examples for 5L to 50L offersIndia Tax

India CTC vs In-Hand 2026: decoder + worked examples for 5L to 50L offers

Why your 5L CTC offer is actually around 37K per month. Old vs New regime breakeven by income tier. HRA, PF, gratuity, ESOPs, 80C deductions decoded for FY 2025-26.

Teja Pagidimarri
Premier League salary cap 2026 explained: anchoring, SCR 85% and how it stacks up to NBA, NFL, MLBSports

Premier League salary cap 2026 explained: anchoring, SCR 85% and how it stacks up to NBA, NFL, MLB

What the Premier League just voted on, why it is called an anchoring cap (4.5x bottom-club broadcast revenue), how it interacts with UEFA Squad Cost Ratio (SCR) and PSR, and a side-by-side comparison with NBA hard cap, NFL salary cap and MLB luxury tax for 2026.

Teja Pagidimarri
When is business class rational? Salary needed for a $5K flight in 2026Personal Finance

When is business class rational? Salary needed for a $5K flight in 2026

Business class one-way costs $3K to $12K depending on route. We apply the 1 percent rule and the productivity-hours math to figure out the salary at which the upgrade is rational, by city.

Teja Pagidimarri
Salary needed to afford a car in 2026: the 20/4/10 rule by income tierPersonal Finance

Salary needed to afford a car in 2026: the 20/4/10 rule by income tier

How much you must earn to afford a $20K, $40K, $60K or $80K car in 2026 using the Edmunds 20/4/10 rule. Tax-aware salary back-calculation for 6 US cities and 4 international markets.

Teja Pagidimarri
Salary needed for a downtown apartment in 2026: the 30 percent rent rule by cityPersonal Finance

Salary needed for a downtown apartment in 2026: the 30 percent rent rule by city

How much you must earn to rent a downtown 1-bed in NYC, San Francisco, London, Singapore, Dubai, Mumbai and 4 more cities in 2026. Applies the HUD 30 percent rule on gross.

Teja Pagidimarri

Frequently asked questions

Is 3tej free?
Yes. Every guide, calculator, and converter is free with no signup, no rate limit, and no paywall.
Who writes the guides?
Named in-house editors. Every article carries a byline and is checked against the primary source before publishing, with a visible last-updated date.
Are my inputs stored?
No. Every calculator runs in your browser using JavaScript; the numbers you type never leave your device.
Which countries do you cover?
We maintain dedicated tax and money content for 8 jurisdictions: United States, United Kingdom, Canada, Australia, India, Singapore, United Arab Emirates, Germany.
How often is it updated?
Statutory figures update annually as each authority publishes them; rates that move within the year refresh weekly via an automated pipeline.

Why readers trust 3tej

Every guide and calculator is written in-house, checked against the primary source (IRS, HMRC, ATO, CRA, IRAS, BMF and the Indian Income-Tax Department), dated, and signed by a named editor. Your inputs never leave your browser, and we publish exactly how we source our numbers.