SOURCE
Start with official EU, national, regulatory and product documents; use secondary sources only for context.
Free European wealth toolkit
Build your wealth plan with clarity.
A practical starter kit for Europeans who want to understand ETFs, FIRE, brokers and long-term investing—without confusing finance jargon.
Choose your free kit PDF guide + editable Excel calculator
✓ Built for Europe✓ Beginner friendly✓ 100% free
EDITABLE CALCULATOR
The Finance HubWEALTH
STARTER KITA practical starting point for ETFs, FIRE, brokers and building wealth in Europe.FREE GUIDE + EDITABLE CALCULATOR
FREEDOWNLOAD
Created for European investorsETFsFIREBROKERSEXTRA INCOME
New free country-comparison system
Moving countries?
Compare the system.
A higher salary or lower headline tax rate can still leave you worse off. Compare annual net income, recurring costs, relocation, protection and account portability before deciding.
Open the Expat Money Hub →THE FIVE-NUMBER SCORECARD
01Annual net income
02Essential costs
03Investable surplus
04Move + exit costs
05Protection + portability
Includes a free PDF guide and editable Excel country scorecard.Featured property guide
Rent or buy?
Compare all seven numbers.
A monthly mortgage payment is only part of the picture. Compare the same home over the same time horizon, including upfront cash, interest, running costs, exit costs and the value of flexibility.
Read the free rent or buy guide →THE SEVEN-NUMBER CHECK
- Purchase price and comparable rent
- Cash needed upfront
- Financing and total interest
- Other costs of owning
- Tenant costs
- Holding period and exit
- What your cash could otherwise do
The thinking behind the content
Before we publish
a number.
Finance content should do more than look convincing. Every Finance Hub guide follows a documented editorial path so readers can see where the information came from, which assumptions shape the result, when it was reviewed and what uncertainty remains.
CALCULATE
Show the inputs behind returns, withdrawal rates, tax examples and comparisons instead of presenting outputs as facts.
STRESS-TEST
Change the assumptions, include costs and identify where a conclusion becomes weaker or no longer applies.
TRANSLATE
Turn technical detail into clear European context without removing the limitations or local differences.
REVIEW
Date time-sensitive work and revisit tax, pension, broker, salary and regulatory details when evidence changes.
VERDICT
State what matters, who the framework may help, what it cannot decide and which action comes next.
Fresh from the channel
Latest on YouTube.
New uploads appear here automatically—no manual website update required.
Featured analysis · FIRE
Your retirement target changes dramatically by city
A comfortable lifestyle can imply a target near €1.89M in Zurich but about €446K in Budapest. Explore the assumptions before treating €1 million as a universal answer.
€1.886MZurich
€789KBarcelona
€446KBudapest
Income
Gross vs net salary across Europe
See what €40K, €60K and €100K gross can become after country-level deductions.
Real estate
Property deposit vs VWCE
Compare leverage, liquidity, costs and the opportunity cost of a European deposit.
Freelancing
The pricing mistake that destroys margins
Turn salary thinking into a sustainable freelance rate using the real billable-hours calculation.
ETFs
VWCE vs IWDA: the practical difference
Compare index coverage, emerging markets, fees and the decision that matters most.
55 original visual explainers
Save the picture.
Understand the decision.
The strongest Finance Hub graphics now have permanent pages with context, checks, a clear verdict and the next practical tool.
Explore all visual guides →
Complete video archive
Watch the complete
Finance Hub archive.
Explore clear video collections covering wealth psychology, income, ETFs, FIRE, property, tax and European brokers. New uploads appear automatically.
Explore the video library →123 knowledge resources
From Instagram post
to practical library.
Explore 68 written guides and 55 visual explainers covering European salaries, taxes, property, ETFs, brokers, FIRE and wealth habits.
Turn content into action
Choose the number
you need next.
Every Finance Hub post should lead somewhere useful. Start with the topic that matches your current decision, then use the full guide, calculator or checklist.
How much is enough?
Calculate your personal target, compare 3.5% and 4%, and track your FI percentage.
Use the FIRE Calculator →Read the city comparisonWhat can you invest?
Compare salary, tax, living costs and the surplus that can actually build wealth.
Compare gross vs net →Fix freelance pricingWhat should you own?
Use the ETF and broker frameworks before choosing a fund, platform or portfolio.
Compare global ETFs →Choose a brokerRent or buy?
Compare a similar home over one time horizon using all seven costs and trade-offs.
Read the rent or buy guide →See hidden buying costsEverything you need to begin
Turn financial information
into a personal plan.
The kit brings the essential numbers, decisions and checklists into one simple system.
Wealth snapshot
Calculate your net worth, savings rate and emergency-fund target.
FIRE calculator
Estimate your FIRE number and track your financial-independence percentage.
ETF checklist
Review the details that matter before buying a European ETF.
Broker comparison
Score costs, regulation, tax reporting and investing features.
Simple by design
Start in three
practical steps.
No course, membership or complicated setup. Download it and start with your real numbers.
01
Download
Get the complete guide and calculator in one ZIP file.
02
Add your numbers
Open the calculator and complete the clearly marked input cells.
03
Build your plan
Use your results to create a simple monthly wealth routine.
Four free ways to start
Choose the tool that fits
your next money decision.
Each resource solves one specific problem. Start with the decision in front of you rather than downloading everything at once.
NEW · WEEK 15
Pension Gap & FIRE Bridge
Map expected pension income, calculate the annual shortfall and estimate the years your own assets may need to bridge.
- Eight-page PDF worksheet
- Pension-gap calculation
- FIRE bridge planner
- Country and portability check
NEW · WEEK 16
Money by Age Checklist
See the decision, number and avoidable mistake that matters most in your 20s, 30s, 40s, 50s and 60s.
- Eight-page PDF checklist
- Five decade roadmaps
- Foundation checks
- 30-day action plan
COMPLETE STARTER KIT
European Wealth Starter Kit
A 10-page guide and editable calculator covering your wealth snapshot, emergency fund, ETFs, brokers, FIRE and a five-day action plan.
- PDF action guide
- Editable wealth calculator
- ETF and broker checklists
- Monthly review system
NEW FIRE TOOL
European FIRE Calculator
A focused Excel calculator for your FIRE number, FI percentage, Coast FIRE target, target-age projection and conservative scenarios.
- 3.5% and 4% scenarios
- Coast FIRE calculation
- Target-age portfolio estimate
- Five currency options
The complete system
European Wealth
Starter Bundle
Go beyond a single number. Organise your budget, net worth, investments, ETFs, brokers and annual financial review in one premium workbook.
See everything inside the €19 bundle →Launch price€19
- Advanced FIRE calculator
- Monthly budget dashboard
- Net-worth tracker
- Investment allocation tracker
- ETF comparison worksheet
- Broker comparison scorecard
- Annual financial review
Frequently asked
Clear answers
before you begin.
Are the Starter Kit and FIRE Calculator really free?
Yes. Both resources are free downloads. You only enter your name, email and consent so the requested file can be delivered and its downloads measured.
Is this personal financial advice?
No. The Finance Hub provides education and general frameworks. Your tax position, risk capacity and personal goals require individual decisions and, where appropriate, qualified advice.
How is the content created?
Each topic follows a clear editorial process: source the facts, test the assumptions, translate them into European context and publish a Finance Hub Verdict. Technology may support production, but The Finance Hub remains responsible for the final claims and corrections.
What is inside the €19 bundle?
The planned premium workbook combines an advanced FIRE calculator, budgeting, net-worth tracking, investment allocation, ETF and broker comparisons, plus an annual review.