Paycheck, tax and mortgage calculators
Free calculators for pay, taxes, loans and savings, with the source and date behind every tax figure.
What you'll take home
Per year—
Every two weeks—
Per month—
Single filer, 2026 tax year, standard deduction.
Payroll calculators
- PaycheckEstimate take-home pay after federal, state, FICA, and pre-tax deductions.
- Hourly to SalaryConvert an hourly rate to annual, monthly, weekly, and biweekly pay.
- Salary to HourlyReverse the math: see your effective hourly rate from any salary.
- OvertimeCalculate time-and-a-half and double-time pay for any week or pay period.
Tax calculators
- Income TaxEstimate federal and state income tax with a full bracket breakdown.
- Tax RefundYour federal refund or balance due, with the EITC, child tax credit and the new tips and overtime deductions.
- Capital Gains TaxFederal tax on short- and long-term investment gains, including NIIT.
- Self-Employment TaxSchedule SE tax, the deductible half, and quarterly estimated payments.
- Bonus TaxWhat you keep from a bonus after withholding — and why 22% is not a tax rate.
- Sales TaxSales tax in any state with city rates, plus a side-by-side state comparison.
Savings & investing calculators
- RetirementProject savings to retirement and estimate sustainable annual income.
- 401(k)Project 401(k) growth with employer match, salary growth, and IRS limits.
- Roth IRAHow much you can put in a Roth IRA at your income, and how it could grow tax-free.
- Compound InterestSee how investments grow with monthly contributions and compounding.
- High-Yield SavingsWhat a high-yield savings account earns versus regular savings, with tax and rate changes.
- Treasury BillT-bill price, interest and yield from the discount rate, and how it compares with a CD after state tax.
- CDCalculate CD interest at maturity and compare APYs across terms.
- CD LadderBuild a multi-rung CD ladder to balance higher rates with annual liquidity.
- RMDRequired minimum distribution from an IRA or 401(k), with your deadline and the penalty for missing it.
- APYConvert between APY, nominal rate, and compounding frequency for any account.
- DRIPProject dividend-reinvested portfolio growth from any starting point.
- InflationSee how the purchasing power of a dollar has changed since any year.
- Savings GoalHow much to save monthly to hit a target by a target date.
Mortgage calculators
- Mortgage PaymentMonthly mortgage payment with PMI, taxes, and insurance.
- Mortgage RefinanceRefinance savings, closing-cost break-even, and lifetime interest comparison.
- Mortgage Extra PaymentPay off your mortgage faster with extra monthly or one-time principal payments.
- Home AffordabilitySee how much house you can afford based on income and debt.
- Rent vs. BuyCompare the long-term cost of renting versus buying a home.
- Down PaymentSee how down payment size affects loan amount, PMI, and monthly cost.
- Home EquityTrack equity built from payments and home appreciation over time.
Loan calculators
- Auto LoanMonthly car payment, total interest, and trade-in/down payment effects.
- Personal LoanEstimate monthly payment and total interest for unsecured personal loans.
- Student LoanPayments and total interest by repayment term, with extra payments.
- Loan ComparisonCompare two loans side-by-side: total cost, interest, and monthly payment.
- Balance TransferSee if a 0% balance transfer beats paying down your current APR.
- Amortization ScheduleFull month-by-month breakdown of principal and interest for any loan.
Personal finance calculators
- Net WorthAdd up assets and liabilities to track total net worth over time.
- Debt PayoffSnowball or avalanche payoff plans across multiple debts.
- Cost of LivingCompare prices between two metro areas to find an equivalent salary.
- Break-EvenFind the unit volume where revenue covers fixed and variable costs.
- TipCalculate tip and split a bill between any number of people.
Take-home pay by state
Federal, state and local tax on any salary, including city and county taxes where they apply.
- Alabama
- Alaskano income tax
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Floridano income tax
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevadano income tax
- New Hampshireno income tax
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakotano income tax
- Tennesseeno income tax
- Texasno income tax
- Utah
- Vermont
- Virginia
- Washingtonno income tax
- Washington D.C.
- West Virginia
- Wisconsin
- Wyomingno income tax
Compare every state side by side in state income tax rates.
Recent updates
- Tax refund calculator
Now covers the 2027 tax year, including the $2,300 child tax credit.
- 2027 tax figures
The official 2027 brackets, standard deduction and capital gains thresholds, the day the IRS released them.
- CD calculator
Market rates refreshed.
- Paycheck calculator
Now includes local income tax in Ohio and Michigan cities, Indiana counties, Kentucky and Pennsylvania.
- Social Security wage base
The official 2027 figure, $192,300, replaces our estimate.
Where the numbers come from
Tax figures come from the agency that sets them: the IRS, the Social Security Administration or the state's revenue department. Each calculator lists its sources and when they were last checked.
Corrections are dated and listed in the methodology log.
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