Free US Finance & Tax Calculators for 2026
87+ calculators built on official IRS and state data — paycheck and take-home pay for all 50 states, taxes, mortgages, and retirement.
Popular calculators
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.
Free mortgage calculator: estimate your monthly payment with principal, interest, property taxes, and home insurance (PITI), plus total interest over the loan.
Calculate your 2026 federal income tax with current IRS brackets, standard deduction, marginal and effective rates. Free and instant.
Calculate compound interest growth with monthly contributions. See year-by-year balances and how much comes from interest vs deposits.
Project your 401(k) balance at retirement with contributions, employer match, and growth — using the 2026 $24,500 contribution limit.
Estimate your 2026 IRS tax refund or balance due. Compare taxes withheld on your W-2 against your actual federal tax liability.
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.
💵 Paycheck & Salary
View all →Take-home pay calculators for all 50 states with 2026 federal and state tax rates.
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.
Free Alaska paycheck calculator for 2026. Estimate your take-home pay after federal tax, FICA, and Alaska state tax with current-year rates.
Free Florida paycheck calculator for 2026. Estimate your take-home pay after federal tax, FICA, and Florida state tax with current-year rates.
Free Nevada paycheck calculator for 2026. Estimate your take-home pay after federal tax, FICA, and Nevada state tax with current-year rates.
Free New Hampshire paycheck calculator for 2026. Estimate your take-home pay after federal tax, FICA, and New Hampshire state tax with current-year rates.
Free South Dakota paycheck calculator for 2026. Estimate your take-home pay after federal tax, FICA, and South Dakota state tax with current-year rates.
Free Tennessee paycheck calculator for 2026. Estimate your take-home pay after federal tax, FICA, and Tennessee state tax with current-year rates.
Free Texas paycheck calculator for 2026. Estimate your take-home pay after federal tax, FICA, and Texas state tax with current-year rates.
🧾 Taxes
View all →Federal income tax, refunds, self-employment, capital gains, and more for 2026.
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.
🏠 Mortgage & Loans
View all →Mortgage payments, refinancing, affordability, auto and student loans.
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.
📈 Savings & Retirement
View all →Compound interest, 401(k), Roth IRA, CDs, and reaching your savings goals.
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.
Project your total retirement savings from your current age to retirement and check it against the 4% rule income it could support.
Calculate your emergency fund target from monthly expenses, see the gap from your current savings, and how long it takes to fill it.
Paycheck calculators for every state
2026 take-home pay with your state's exact income tax rules.