About CalcSystems
I'm Jeff Delucia, based in Vermont. I've always been interested in personal finance, and I have a habit of building my own tools when the ones I find online don't quite cut it.
The problem was simple: most financial calculators require an account, hide results behind paywalls, or spit out a number without explaining where it came from. So I built the ones I actually wanted to use and made them free for anyone.
I'm not a financial professional, and this isn't a financial advisory service. What I bring is a genuine interest in how these calculations work, a care for getting the numbers right, and years of using tools like these to make my own financial decisions. Every calculator on this site has been built, tested, and used by me before it goes live.
That's now 35 calculators covering payroll, tax, mortgages, loans, savings, and everyday personal finance — with paycheck, income tax, and sales tax broken out separately for all 50 states and the District of Columbia, using each state's own 2026 tax schedule rather than a national approximation.
What I Cover
- Salary & Payroll — paycheck estimates, hourly conversions, overtime pay
- Taxes — federal income tax, capital gains, self-employment, and all 50 states
- Loans & Mortgages — auto loans, down payments, amortization schedules
- Investing & Savings — compound interest, inflation, net worth, retirement
- Business — break-even analysis, cost planning
My Approach
Accuracy first
Every calculator traces its numbers to a primary source rather than to another calculator site — IRS revenue procedures for brackets and deductions, the Social Security Administration for the wage base, the Bureau of Labor Statistics for CPI, Federal Student Aid for loan rates, the FDIC and CFPB for consumer-finance rules, and individual state revenue departments for state tax schedules. If a number can't be traced to one of those, the calculator doesn't ship.
Formulas shown, not hidden
Each calculator publishes the actual math it runs, the assumptions it makes, and — just as importantly — what it doesn't account for. A paycheck estimate that ignores your local transit tax should say so. You can read the full standards on the methodology page.
No sign-up required
You don't need an account to use any calculator on this site. Open the page, enter your numbers, get your answer.
No data stored
Everything runs in your browser. I don't collect, log, or transmit the numbers you enter into any calculator.
Mistakes get published, not buried
When I get something wrong, the fix is logged publicly with what was wrong and what changed — see the corrections log. I'd rather you be able to see that a figure changed and why than quietly swap a number and hope nobody noticed. If you spot an error, tell me and I'll fix it.
Keeping the numbers current
Financial data goes stale on a schedule, and most of it changes in a narrow window each autumn. The IRS publishes inflation-adjusted brackets and deductions in October, the Social Security wage base follows a week later, retirement contribution limits land in November, and state legislatures set their rates between November and January. Federal student loan rates reset every July 1. CPI updates monthly.
Each calculator carries the month it was last reviewed, so you can judge for yourself whether it's current rather than taking a vague "updated for 2026" badge on faith. Tax-sensitive calculators also list what changed in the latest year.
Disclaimer: All results on CalcSystems are estimates for informational purposes only. They do not constitute professional financial, tax, or legal advice. For decisions with significant financial consequences, please consult a qualified professional.