Free US Finance & Tax Calculators for 2026

Free US paycheck calculator for 2026. Estimate take-home pay after federal tax, Social Security, Medicare, and state income tax in any of the 50 states.

See your real Alaska take-home pay: $75,000 = $61,593/year after 2026 taxes. Free calculator with federal tax, FICA, 401(k), and Alaska rules.

See your real Florida take-home pay: $75,000 = $61,593/year after 2026 taxes. Free calculator with federal tax, FICA, 401(k), and Florida rules.

See your real Nevada take-home pay: $75,000 = $61,593/year after 2026 taxes. Free calculator with federal tax, FICA, 401(k), and Nevada rules.

See your real New Hampshire take-home pay: $75,000 = $61,593/year after 2026 taxes. Free calculator with federal tax, FICA, 401(k), and New Hampshire rules.

See your real South Dakota take-home pay: $75,000 = $61,593/year after 2026 taxes. Free calculator with federal tax, FICA, 401(k), and South Dakota rules.

See your real Tennessee take-home pay: $75,000 = $61,593/year after 2026 taxes. Free calculator with federal tax, FICA, 401(k), and Tennessee rules.

See your real Texas take-home pay: $75,000 = $61,593/year after 2026 taxes. Free calculator with federal tax, FICA, 401(k), and Texas rules.

Calculate your 2026 federal income tax with current IRS brackets, standard deduction, marginal and effective rates. Free and instant.

Find your 2026 federal tax bracket and see how much of your income falls into each IRS bracket. Understand marginal vs effective rates.

Estimate your 2026 IRS tax refund or balance due. Compare taxes withheld on your W-2 against your actual federal tax liability.

Calculate 2026 self-employment tax on 1099 and freelance income: 15.3% Social Security + Medicare, the 92.35% adjustment, and your deduction.

Calculate 2026 quarterly estimated tax payments for freelance and 1099 income, combining income tax and self-employment tax.

Calculate 2026 federal capital gains tax on stocks, crypto, or property. Long-term 0/15/20% brackets vs short-term ordinary rates.

Calculate taxes withheld from your bonus in 2026: the 22% federal supplemental rate plus Social Security and Medicare — see your real take-home bonus.

Convert your hourly wage to annual, monthly, and weekly salary. See what $15, $20, or $30 an hour makes per year full-time.

Free mortgage calculator: estimate your monthly payment with principal, interest, property taxes, and home insurance (PITI), plus total interest over the loan.

Generate a full amortization schedule for any loan: yearly principal vs interest breakdown and remaining balance until payoff.

See how extra monthly payments shorten your mortgage and how much interest you save. Calculate your early payoff date.

Should you refinance? Compare your current mortgage to a new rate, see monthly savings, and find your break-even point on closing costs.

Calculate how much house you can afford using the 28/36 rule, your income, debts, down payment, and today's mortgage rates.

Calculate your monthly car payment with price, down payment, trade-in, rate, and term. See total interest and the true cost of the loan.

Calculate monthly payments and total interest on a personal loan for debt consolidation, home projects, or emergencies.

Calculate student loan payments on the standard 10-year plan, and see how extra payments accelerate your payoff and cut interest.

Calculate compound interest growth with monthly contributions. See year-by-year balances and how much comes from interest vs deposits.

Find out how long it takes to reach a savings goal with monthly deposits and interest — for a house, car, wedding, or emergency fund.

Calculate how much a certificate of deposit earns at maturity for any APY and term, with monthly compounding.

See how much interest a high-yield savings account earns monthly and yearly, and compare it against a traditional big-bank account.

Project your 401(k) balance at retirement with contributions, employer match, and growth — using the 2026 $24,500 contribution limit.

Project tax-free Roth IRA growth to retirement with the 2026 $7,500 contribution limit. See contributions vs earnings.

Calculate your 2026 HSA tax savings and long-term growth. Contributions skip federal tax AND FICA — see what the $4,400/$8,750 limits are worth.

Project your total retirement savings from your current age to retirement and check it against the 4% rule income it could support.

See how long it takes to pay off your credit card at your APR, how much interest you'll pay, and how a bigger payment shortens the road.

Calculate what your credit card balance costs in interest per day, per month, and per year at your APR.

Compare keeping your balance at your current APR vs transferring to a 0% intro card with a 3–5% fee. See the real savings.

Calculate your credit utilization ratio across cards and see exactly how much to pay down to get under 30% or 10%.

Compare paying your credit card debt as-is vs consolidating into a fixed-rate personal loan. See interest saved and time cut.

See how long minimum payments really take to clear a credit card — often decades — and what they cost in total interest.

Calculate how much life insurance you need with the DIME method: debts, income replacement, mortgage, and education costs.

Calculate how much long-term disability coverage you need to protect your paycheck, accounting for employer benefits and expenses.

Estimate how much dwelling coverage you need based on rebuild cost per square foot — not market value — plus contents and liability.

Estimate your personal property value room by room and find the right renters insurance coverage amount for about $15–25/month.

Should you raise your car insurance deductible? Compare premium savings against added risk and find your break-even claim frequency.

Calculate whether you need umbrella liability insurance based on your assets and future income — and how much coverage makes sense.