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Free Financial Calculators for
Paycheck, Tax, Mortgage, and More
Fast, accurate tools for salary, taxes, loans, savings, and everyday money decisions.
Recently Added & Updated
Methodology, sources, and review dates on every financial calculator.
Sales Tax
Every state on one page: city rates, rules, and a side-by-side comparison.
Reviewed September 2026
State Income Tax Rates
All 51 jurisdictions, sortable, with every bracket schedule.
Reviewed September 2026
2027 Tax Calculators
Projected 2027 brackets and deductions, flagged until the IRS publishes.
Reviewed September 2026
RMD
Required minimum distribution from the IRS Uniform Lifetime Table.
Reviewed September 2026
Bonus Tax
What you keep after the 22% supplemental rate and FICA.
Reviewed September 2026
Capital Gains Tax
Short- and long-term gains stacked on ordinary income, with NIIT.
Reviewed September 2026
Calculate take-home pay, convert between hourly and annual salary, and estimate overtime — using current federal, state, and FICA rates. The paycheck calculator covers all 50 states and D.C.
Paycheck
Estimate take-home pay after federal, state, FICA, and pre-tax deductions.
Hourly to Salary
Convert an hourly rate to annual, monthly, weekly, and biweekly pay.
Salary to Hourly
Reverse the math: see your effective hourly rate from any salary.
Overtime
Calculate time-and-a-half and double-time pay for any week or pay period.
Estimate federal and state taxes — income, capital gains, self-employment, and sales — with current bracket data and per-state coverage.
Income Tax
Estimate federal and state income tax with a full bracket breakdown.
Tax Refund
Your federal refund or balance due, with the EITC, child tax credit and the new tips and overtime deductions.
Capital Gains Tax
Federal tax on short- and long-term investment gains, including NIIT.
Self-Employment Tax
Schedule SE tax, the deductible half, and quarterly estimated payments.
Bonus Tax
What you keep from a bonus after withholding — and why 22% is not a tax rate.
Sales Tax
Sales tax in any state with city rates, plus a side-by-side state comparison.
Project the long-term growth of retirement, brokerage, and savings accounts — accounting for compound interest, employer match, dividend reinvestment, and inflation.
Retirement
Project savings to retirement and estimate sustainable annual income.
401(k)
Project 401(k) growth with employer match, salary growth, and IRS limits.
Roth IRA
How much you can put in a Roth IRA at your income, and how it could grow tax-free.
Compound Interest
See how investments grow with monthly contributions and compounding.
High-Yield Savings
What a high-yield savings account earns versus regular savings, with tax and rate changes.
Treasury Bill
T-bill price, interest and yield from the discount rate, and how it compares with a CD after state tax.
CD
Calculate CD interest at maturity and compare APYs across terms.
CD Ladder
Build a multi-rung CD ladder to balance higher rates with annual liquidity.
RMD
Required minimum distribution from an IRA or 401(k), with your deadline and the penalty for missing it.
APY
Convert between APY, nominal rate, and compounding frequency for any account.
DRIP
Project dividend-reinvested portfolio growth from any starting point.
Inflation
See how the purchasing power of a dollar has changed since any year.
Savings Goal
How much to save monthly to hit a target by a target date.
Estimate monthly mortgage payments, see how much house you can afford, compare renting versus buying, and track home equity — all with current rate assumptions.
Mortgage Payment
Monthly mortgage payment with PMI, taxes, and insurance.
Mortgage Refinance
Refinance savings, closing-cost break-even, and lifetime interest comparison.
Mortgage Extra Payment
Pay off your mortgage faster with extra monthly or one-time principal payments.
Home Affordability
See how much house you can afford based on income and debt.
Rent vs. Buy
Compare the long-term cost of renting versus buying a home.
Down Payment
See how down payment size affects loan amount, PMI, and monthly cost.
Home Equity
Track equity built from payments and home appreciation over time.
Estimate monthly payments and total interest across auto, personal, student, and credit card balance transfers — and view a full amortization schedule for any loan.
Auto Loan
Monthly car payment, total interest, and trade-in/down payment effects.
Personal Loan
Estimate monthly payment and total interest for unsecured personal loans.
Student Loan
Payments and total interest by repayment term, with extra payments.
Loan Comparison
Compare two loans side-by-side: total cost, interest, and monthly payment.
Balance Transfer
See if a 0% balance transfer beats paying down your current APR.
Amortization Schedule
Full month-by-month breakdown of principal and interest for any loan.
Track net worth, plan debt payoff, compare cost of living between cities, see how inflation has eroded the dollar, and run quick everyday financial math.
Net Worth
Add up assets and liabilities to track total net worth over time.
Debt Payoff
Snowball or avalanche payoff plans across multiple debts.
Cost of Living
Compare prices between two metro areas to find an equivalent salary.
Break-Even
Find the unit volume where revenue covers fixed and variable costs.
Tip
Calculate tip and split a bill between any number of people.
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State Tax & Paycheck Calculators
Calculate take-home pay, income tax, and sales tax by state. Browse all state calculators or choose a state from the calculator pages.
Transparent formulas, reviewed sources, and clear assumptions
Every financial calculator shows the formulas, assumptions, and source references it uses. Tax and payroll calculators are reviewed against the latest federal and state data. Savings and loan calculators explain the math behind each result so the output can be verified — not just trusted.