United States Finance Calculators
Calculate country-specific estimates for taxes, loans, retirement, savings and property decisions.
Top US States: Paycheck & Mortgage Calculators
State income taxes, property taxes, and insurance differ dramatically. Select a state to calculate local take-home pay and PITI mortgage costs.
California
1.1% SDI, Prop 13 Taxes & CA brackets up to 13.3%
Texas
0% State Income Tax & 1.8% Property Tax with $100k Homestead
Florida
0% State Income Tax, $50k Homestead & FL Hazard Escrow
New York
NYS Tax Brackets (4%-10.9%) & NYC Municipal Resident Tax
Retirement
401(k) Calculator
Estimate your 401(k) retirement balance with employee contributions, employer match and investment growth.
Roth IRA Calculator
Estimate Roth IRA tax-free retirement growth from yearly contributions and expected returns.
Social Security Calculator
Estimate monthly Social Security retirement benefits based on full retirement age benefit and claiming age.
SEP IRA Calculator
Estimate SEP IRA contribution room for self-employed income or business profit.
Solo 401(k) Calculator
Estimate solo 401(k) employee deferral, employer contribution and tax savings.
Pension Calculator
Estimate pension income from final salary, service years and pension multiplier.
Loans
Mortgage Calculator
Calculate monthly US mortgage payments with loan amount, rate, term, property tax and insurance.
Auto Loan Calculator
Estimate monthly car payments with vehicle price, down payment, interest rate and loan term.
Home Affordability Calculator
Estimate affordable home price from income, debts, down payment, mortgage rate and property costs.
Refinance Break-Even Calculator
Calculate how long it takes refinance savings to recover closing costs.
DTI Calculator
Calculate debt-to-income ratio for mortgage, auto loan or personal loan planning.
Personal Loan Calculator
Estimate personal loan monthly payment, total interest and total repayment.
Lease vs Buy
Compare the financial costs of leasing versus financing a vehicle purchase over identical time horizons.
FHA Loan Calculator
Calculate monthly FHA loan payments with 3.5% down payment, 1.75% upfront mortgage insurance (UFMIP), monthly MIP (0.55%), property tax and homeowners insurance.
VA Loan Calculator
Calculate monthly VA loan payments with 0% down payment, VA funding fee tiers (1.25%–3.3%), $0 monthly PMI, property tax, and homeowners insurance.
HELOC Calculator
Calculate your maximum Home Equity Line of Credit (HELOC), 10-year interest-only draw payments, 20-year principal + interest repayment shock, and available equity.
State Calculators
CA Paycheck Calculator
Calculate California take-home pay with 2026 CA state income tax brackets, 1.1% SDI, FICA and federal withholding.
CA Mortgage Calculator
Calculate monthly California home mortgage payments factoring in Proposition 13 county property taxes, insurance and interest.
TX Paycheck Calculator
Calculate Texas take-home pay with 0% state income tax, federal income tax brackets, and FICA payroll deductions.
TX Mortgage Calculator
Calculate Texas monthly mortgage payments with local property tax rates (1.8%), $100k school homestead exemption, and insurance.
FL Paycheck Calculator
Calculate Florida take-home pay with 0% state income tax, federal income tax brackets, and FICA payroll deductions.
FL Mortgage Calculator
Calculate Florida monthly mortgage payments factoring in county property taxes, high hurricane/hazard insurance, and the $50k Homestead Exemption.
NY Paycheck Calculator
Calculate New York take-home pay with NY State tax brackets (4% to 10.9%), NYC resident local tax, and FICA.
NY Mortgage Calculator
Calculate New York monthly mortgage payments with local county property tax rates, homeowners insurance, and NY Mortgage Recording Tax estimates.
WA Paycheck Calculator
Calculate Washington State take-home pay with 0% state income tax, WA Cares Fund (0.58%), WA PFML, and federal withholding.
Tax
Federal Tax Calculator
Estimate US federal income tax using filing status, income and deductions.
Paycheck Calculator
Estimate take-home pay after federal tax, Social Security, Medicare, 401(k), and state tax withholdings.
State Tax Calculator
Estimate state income tax from taxable income and a state tax rate assumption.
Take Home Pay Calculator
Estimate annual, monthly and per-paycheck take-home pay after federal tax, FICA, state tax and deductions.
$75k Take Home
Calculate exact take-home pay for a $75,000 annual salary after US federal tax, FICA, state taxes, and pre-tax deductions.
$100k Take Home
Calculate exact take-home pay for a $100,000 annual salary after US federal income tax, FICA, state tax, and 401(k) deductions.
$120k Take Home
Calculate exact take-home pay for a $120,000 annual salary after US federal tax brackets, FICA payroll taxes, and state withholding.
$150k Take Home
Calculate exact take-home pay for a $150,000 annual salary after federal 22%/24% tax brackets, FICA, and state income tax.
W-4 Calculator
Estimate annual federal withholding from pay frequency, extra withholding and deductions.
Self-Employment Tax
Estimate US self-employment tax from net business profit before income tax.
FICA Calculator
Estimate employee FICA tax for Social Security and Medicare payroll taxes.
Bonus Tax Calculator
Estimate bonus withholding using a supplemental federal withholding rate, FICA and state tax.
Freelance Tax Calculator
Estimate freelance taxes after business expenses, self-employment tax and income tax reserve.
Capital Gains Calculator
Estimate US capital gains tax from purchase price, sale price, holding period and tax rate.
Estate Tax Calculator
Estimate federal estate tax exposure after exemption, deductions and taxable estate value.
Gift Tax Calculator
Estimate taxable gifts after annual exclusion and lifetime exemption usage.
AMT Calculator
Estimate alternative minimum tax exposure from regular tax, AMTI and exemption assumptions.
Tax Refund Estimator
Calculate your 2026 federal income tax refund or amount owed based on W-2 withholdings, filing status, and tax credits. 100% free with no SSN or signup required.
Sales Tax Calculator
Calculate sales tax and total purchase price from pre-tax amount and tax rate.
Texas Paycheck
Calculate net Texas take-home pay with 0% state income tax, federal withholding, and FICA payroll deductions.
Florida Paycheck
Calculate net Florida take-home pay with 0% state income tax, federal tax withholdings, and FICA.
New York Paycheck
Calculate net New York paycheck take-home pay with NY state income tax, NYC local city tax, and FICA deductions.
Salary
Debt
Credit Card Payoff Calculator
Estimate how long it takes to pay off credit card debt and how much interest you will pay.
Debt Payoff Calculator
Compare debt snowball and avalanche payoff strategies using balances, rates and monthly payoff budget.
Balance Transfer
Calculate how much interest you save by moving high-APR credit card balances to a 0% introductory APR card.
Healthcare
Education
Student Loan Calculator
Estimate monthly student loan payments, total interest and payoff cost.
529 Calculator
Estimate 529 plan savings growth and monthly contribution needed for college costs.
Loan Forgiveness Calculator
Estimate remaining student loan balance that may be forgiven after qualifying payments.
Planning
Property
Property Tax Calculator
Estimate annual and monthly property tax from assessed value and tax rate.
Rental ROI Calculator
Estimate rental property ROI from purchase price, rent, expenses, financing and appreciation.
Cap Rate Calculator
Calculate real estate capitalization rate from net operating income and property value.
Insurance
Personal Finance
Savings
Investing
Compound Interest
Calculate exponential wealth growth from initial principal, ongoing monthly contributions, and compounding returns.
Inflation Calculator
Calculate historical US dollar inflation, changes in purchasing power from 1990 to 2026 using CPI data, cumulative price change, and future inflation impact.