Free calculators for US paychecks, loans and retirement
Updated for 2026 federal and state taxes. Every calculation runs in your browser — nothing is stored, nothing is sent.
2026 data verified Aug 26, 2026 · IRS & SSA sources · No signup, no cookies for calculations
All calculators
Paycheck & taxes
8 tools · 2026 federal + state
- Paycheck calculator
- Take-home pay by state
- Federal tax estimator
- Hourly ↔ salary converter
- Bonus tax calculatorsoon
+3 more in this category
Loans & debt
8 tools · shared amortization engine
- Loan amortization schedule
- Auto loan calculator
- Credit card payoff
- Debt payoff plannersoon
- Pay-in-4 / BNPL true costsoon
+3 more in this category
Mortgage & home
5 tools · weekly PMMS rates
- Mortgage payment (PITI)
- Home affordabilitysoon
- Refinance break-evensoon
- Rent vs buysoon
- Down payment & closing costssoon
Retirement & investing
10 tools · BLS CPI data
- Compound interest
- 401(k) with employer matchsoon
- Retirement savingssoon
- Roth vs Traditional IRAsoon
- Investment return / ROIsoon
+5 more in this category
Everyday money
5 tools
- Sales tax by statesoon
- Tip calculatorsoon
- Raise calculatorsoon
- 50/30/20 budgetsoon
- Net worth calculatorsoon
Converters
6 tools · quick two-way converters
- Hourly ↔ salary converter
- Gross ↔ net paychecksoon
- Pay frequency convertersoon
- Inflation calculatorsoon
- APR ↔ APY convertersoon
+1 more in this category
No calculators match that search. Try “paycheck”, “mortgage” or “401(k)”.
Take-home pay by state
Compare all states →25 states covered for 2026 · 26 more in progress. 9 states have no income tax on wages.
Every figure is checked against IRS, SSA and state revenue sources; each page shows when. Federal figures last verified August 26, 2026.
Calculations run entirely in your browser. Your numbers never leave your device.
Every tool includes its formula, a worked example and the tables behind it. Methodology →