Financial Calculators for the United States

🏠 Mortgage Calculator

Enter your income — see the maximum home price you can afford.

🏠 Rent vs Buy Calculator

Should you buy a home or keep renting? See your breakeven year.

👶 Child Cost Calculator

How much does a baby really cost in the first year.

🚗 True Cost of Car

Your car costs more than the monthly payment. See the real number.

📋 Car Lease Calculator

Calculate your lease payment with money factor, residual, and state taxes.

🏦 Pension Gap Calculator

How much do you need beyond Social Security? Find your gap.

🏛️ Social Security Calculator

Estimate benefits at 62, FRA, and 70. Find your break-even age.

🎓 Student Loan Calculator

Compare every repayment plan — with PSLF tracker and refinance check.

💰 Tax Refund Calculator

Enter your W-2 — see your refund or what you owe. Then fix your W-4.

🏥 Health Insurance Calculator

ACA subsidies expired. See your real cost — and the $1 cliff that could cost you thousands.

💰 Bonus Tax Calculator

Your bonus is taxed at 22% — but that's just withholding. See what you actually owe.

📋 RMD Calculator

Required minimum distribution — your amount, multi-year schedule, and tax impact.

📈 Investment Calculator

Project growth with real tax impact. Compare taxable vs Roth — and see the cost of waiting.

🏥 HSA Calculator

Triple tax advantage: see your savings, project retirement growth, compare HSA vs FSA.

🏥 FSA Calculator

Health FSA & DCFSA tax savings. Compare FSA vs HSA, DCFSA vs CDCC.

💰 Net Worth Calculator

Track assets vs liabilities. Compare to your age group.

🪙 Crypto Tax Calculator

Capital gains, losses, and tax-loss harvesting for crypto. 2026 rates.

💰 Dividend Tax Calculator

Qualified vs ordinary — see the bracket stacking effect on your dividends.

🎓 529 College Savings

Project your 529 balance, find your monthly target, or plan a 529→Roth IRA rollover.

🎓 College Cost Calculator

Total cost with inflation, compare college types with 2+2 path, and find your savings gap.

🏘️ Rental Property Calculator

Cash flow, cap rate, ROI — with depreciation, QBI, cost seg, and exit tax.

📋 Amortization Calculator

Full mortgage schedule — see your crossover month, extra payment savings, and refinance breakeven.

🏠 HELOC Calculator

HELOC payments, borrowing power, and compare vs cash-out refi vs personal loan.

💰 CD Calculator

CD earnings, ladder builder, and comparison vs savings accounts and stocks.

🧾 Sales Tax Calculator

Calculate sales tax for any state. Compare rates, reverse-calculate from receipts.

📈 Inflation Calculator

What was $100 worth in 2000? CPI data 1913-2025, buying power, future projections.

🏠 Property Tax Calculator

Estimate property tax by state. Compare all 50 states, see homestead exemption savings.

💍 Marriage Tax Calculator

Will marriage raise or lower your taxes? See your penalty or bonus.

🏦 IRA Withdrawal Calculator

How much will you get after taxes and penalties? Penalty exceptions, 72(t)/SEPP, Roth rules.

💰 Budget Calculator

Plan your budget with the 50/30/20 rule, audit spending, and set savings goals.

🛟 Emergency Fund Calculator

Risk-adjusted target, savings gap with milestones, and where to keep it at 4%+ APY.

📝 W-4 Calculator

Fill out your 2026 W-4 with OBBBA deductions. See paycheck impact. Target $0.

🛡️ Life Insurance Calculator

How much coverage do you need? DIME method, quick estimate, and gap analysis.

🏛️ Estate Tax Calculator

Federal & state estate tax with $15M OBBBA exemption, gift tracker, NY cliff warning.

💰 Annuity Calculator

SPIA payout by age & gender. Compare annuity vs 4% rule vs bond ladder.

🏢 Business Loan Calculator

Payment, affordability, and compare SBA vs bank vs online lenders.

🏡 Home Affordability Calculator

How much house can you afford? Based on income, debts, and DTI rules.

💼 Self-Employment Tax Calculator

SE tax breakdown, S-Corp savings, and quarterly estimated payments.

🍽️ Tip Calculator

Quick tip, pre-tax tipping, and split the bill. OBBBA tip deduction included.

🕐 Hourly to Salary Calculator

Convert hourly rate to annual salary. With overtime and take-home estimate.

📊 Profit Margin Calculator

Gross, operating, and net margin. Markup vs margin converter. Industry benchmarks.

📈 Break-Even Calculator

Find your break-even point in units and revenue. What-if pricing and timeline.

💵 Down Payment Calculator

How much to put down, savings plan with milestones, and PMI analysis.

📋 Inherited IRA Calculator

10-year rule RMDs, optimal withdrawal strategy, and eligible beneficiary rules.

💰 Personal Loan Calculator

Payment, qualification, and compare lenders by credit tier.

🏠 Closing Cost Calculator

Buyer and seller closing costs — itemized, by state, with negotiation tips.

👶 Child Tax Credit Calculator

$2,200 per child under OBBBA. Phase-out, ACTC, and W-4 impact.

🚗 Car Depreciation Calculator

Value curve, true cost of ownership, and the used car sweet spot.

📈 ROI Calculator

Total and annualized return, IRR with cash flows, and compare investments.

📊 Debt-to-Income Calculator

Front-end and back-end DTI. See what you qualify for and how to improve.

🎯 Savings Goal Calculator

Monthly target for any goal. Multiple goals, speed-up scenarios.

📋 AGI Calculator

Adjusted gross income, phase-out thresholds, and strategies to reduce AGI.

🚗 Auto Refinance Calculator

Should you refinance your car loan? Savings, decision score, and extra payments.

🏥 Medicare IRMAA Calculator

Income-related surcharge on Medicare. Brackets, cliff warnings, and reduction strategies.

🏠 FHA Loan Calculator

FHA mortgage payment with MIP, FHA vs conventional comparison, and 2026 loan limits.

🎖️ VA Loan Calculator

VA mortgage with 0% down, funding fee calculator, and VA vs conventional comparison.

💼 Payroll Tax Calculator

Employer cost per employee: FICA match, FUTA, SUTA, and workers' comp.

⏰ Overtime Calculator

OT pay, exempt vs non-exempt status, and take-home with OBBBA deduction.

📋 SEP-IRA Calculator

Self-employed contribution limit, SEP vs Solo 401(k), and growth projection.

📈 Stock Profit Calculator

Buy/sell profit and loss, capital gains tax, what-if scenarios, and portfolio tracker.

💵 Tax-Equivalent Yield Calculator

Muni bond vs taxable yield at your bracket. Compare bonds, CDs, and Treasuries.

🔢 Simple Interest Calculator

I = P x r x t. Simple vs compound comparison and loan interest calculator.

💰 Net-to-Gross Calculator

Reverse salary calculator: desired take-home to required gross. State comparison.

🏦 401(k) Withdrawal Calculator

Withdrawal tax and penalty, Rule of 55, 72(t) SEPP, and distribution strategies.

💳 Credit Card Payoff Calculator

Payoff timeline, minimum payment trap, and extra payment impact.

🚗 Lease vs Buy Car Calculator

Compare total cost of leasing vs buying over 3, 5, and 7 years.

🛣️ Mileage Reimbursement Calculator

IRS standard mileage deduction, standard vs actual method comparison.

🔄 Balance Transfer Calculator

Calculate savings from 0% APR balance transfer offers.

🏛️ Pension Lump Sum Calculator

Lump sum vs monthly pension: break-even age and survivor analysis.

📋 Tax Deduction Calculator

Itemize vs standard deduction with SALT cap and bunching strategy.

💒 Wedding Cost Calculator

Wedding budget planner with guest cost impact and regional comparison.

📦 Moving Cost Calculator

DIY vs professional movers, hidden costs, and full move budget.

🏠 Home Sale Tax Calculator

Section 121 exclusion, capital gains on home sale, and tax strategies.

🏗️ Business Depreciation Calculator

MACRS schedule, Section 179 expensing, and bonus depreciation.

☀️ Solar Panel Calculator

System savings, 30% ITC, buy vs lease vs PPA comparison.

🔋 EV Savings Calculator

EV vs gas total cost of ownership. No federal credit in 2026.

📊 Present Value Calculator

PV, NPV, and inflation-adjusted value for any future cash flow.

📋 AMT Calculator

New 50% AMT rate under OBBBA. Check if you owe alternative minimum tax.

🛡️ Disability Insurance Calculator

How much coverage do you need? Estimate premiums and income gap.

🏥 Long-Term Care Calculator

Project future care costs. Self-insure vs policy comparison.

👶 Nanny Tax Calculator

Household employer taxes, Schedule H, and the CDCC benefit.

💳 Credit Card Rewards Calculator

Maximize cashback and points. Annual fee break-even analysis.

📉 Unemployment Calculator

Estimate state UI benefits. Compare 15 states side-by-side.

⚖️ Alimony Calculator

Spousal support by state formula. TCJA tax treatment explained.

📊 RSU Tax Calculator

How much tax when RSUs vest? Federal, state, FICA breakdown.

🔍 APR Calculator

True APR with fees included. Compare loan offers side by side.

⚠️ Estimated Tax Penalty Calculator

IRS underpayment penalty estimate. Safe harbor check included.

🌾 Tax Loss Harvesting Calculator

Harvest losses to offset gains. Wash sale guard and multi-year plan.

⛵ Boat Loan Calculator

Marine loan payment, tax deduction check, total ownership cost.

🏢 Business Valuation Calculator

What's your business worth? SDE and EBITDA multiples by industry.

🏦 Money Market Calculator

MMA earnings with tiered rates. Compare vs CD, HYSA, Treasury.

🎯 Safe Withdrawal Rate Calculator

Will your retirement savings last? 4% rule with historical analysis.

🏠 Jumbo Loan Calculator

Above conforming limit. Jumbo vs conforming comparison and qualification.

🔨 Home Renovation ROI Calculator

Which remodel adds the most value? Cost vs Value by project type.

📊 ESPP Calculator

Employee stock purchase plan gain, tax treatment, and ROI analysis.

🔄 1031 Exchange Calculator

Tax-deferred property exchange. Boot rules, basis carryover, timelines.

🌾 USDA Loan Calculator

0% down rural mortgage. USDA vs FHA vs conventional comparison.

🏠 Renters Insurance Calculator

Coverage need, what's covered, and is it worth $15/month?

🚪 Backdoor Roth Calculator

Pro rata rule check, mega backdoor, and tax-free conversion strategy.

⚖️ Salary Comparison Calculator

Compare job offers: base + bonus + equity + benefits + PTO value.

📈 Credit Score Calculator

Simulate score changes. Utilization optimizer and FICO factor breakdown.

🎓 Student Loan Forgiveness

PSLF timeline, IDR forgiveness, and tax bomb estimate.

🏷️ Land Transfer Tax Calculator

State and city transfer tax rates. Mansion tax and exemptions.

🌉 Bridge Loan Calculator

Short-term loan cost between selling and buying a home.

👨‍👧‍👦 Child Support Calculator

Estimate child support payments by state guideline formula.

🏘️ Real Estate Commission Calculator

Agent commission after NAR settlement. Negotiate and save.

📊 Cost Basis Calculator

FIFO, LIFO, specific ID, average cost. Tax impact by method.

📈 Bond Yield Calculator

Yield to maturity, bond pricing, I-Bond and TIPS returns.

⛓️ Crypto Staking Calculator

Staking rewards, tax on income, and comparison to alternatives.

🎖️ Military Pay Calculator

Base pay, BAH, BAS by rank. Compare to civilian salary.

🏥 Medicare Cost Calculator

Total Medicare cost: Parts A, B, D, Medigap, and Advantage.

🏛️ Treasury Bond Calculator

T-Bills, I-Bonds, TIPS yields. Build a Treasury ladder.

🚀 Startup Cost Calculator

One-time costs, burn rate, runway, and funding need by industry.

🩺 Healthcare Retirement Calculator

Lifetime healthcare cost in retirement. Pre-65 gap and HSA strategy.

🌴 California Paycheck Calculator

Take-home pay with CA's 1%-13.3% tax + 1.3% SDI. Highest-tax state.

⛽ Texas Paycheck Calculator

No state income tax. See how much more you keep vs CA and NY.

🗽 New York Paycheck Calculator

NY state + NYC local tax. Toggle NYC residency to see the $2,700 hit.

🌊 Florida Paycheck Calculator

No state income tax. Compare take-home vs high-tax states.

🏙️ Illinois Paycheck Calculator

Flat 4.95% state tax on all income. No local tax in Chicago.

🔔 Pennsylvania Paycheck Calculator

Flat 3.07% + Philly wage tax toggle. Retirement income exempt.

🌰 Ohio Paycheck Calculator

2.75% above $26K + municipal tax. Select your city rate.

🍑 Georgia Paycheck Calculator

New flat 5.19% rate with generous $12K/$24K deduction.

🌲 North Carolina Paycheck Calculator

Flat 3.99% — lowest rate ever after phased reduction from 5.25%.

🏖️ New Jersey Paycheck Calculator

Progressive 1.4%-10.75% + SDI/FLI. Highest property tax state.

📈 401(k) Calculator

Project your 401k balance, optimize employer match, and compare Traditional vs Roth.

🌱 Roth IRA Calculator

$7K/year at 7% for 40 years = $1.49M tax-free. Check your MAGI phase-out.

📋 1099 Tax Calculator

Full tax picture for freelancers: income tax + 15.3% SE tax + deductions + quarterly.

📅 Estimated Tax Calculator

Calculate quarterly payments, safe harbor amounts, and underpayment penalty risk.

✅ EITC Calculator

Earned Income Tax Credit puts up to $8,046 back in your pocket. Check eligibility.

🎁 Gift Tax Calculator

$19K annual exclusion, $15M lifetime under OBBBA. Plan tax-free transfers.

⏱️ SS Break-Even Calculator

Claim at 62, 67, or 70? Find your break-even age and optimal strategy.

🏛️ Social Security Tax Calculator

Up to 85% of your SS may be taxable. Check your provisional income threshold.

🏦 IRA Contribution Calculator

Check your 2026 limits, deductibility, and Backdoor Roth option.

📝 Standard Deduction Calculator

$15,750 single. SALT cap $40K under OBBBA. Should you itemize or take the standard?

🏛️ Virginia Paycheck Calculator

2%-5.75% progressive — top rate kicks in at just $17K. No local income tax.

🌲 Washington Paycheck Calculator

No income tax but WA Cares 0.58% + PFML 0.54% add ~1.1% in payroll taxes.

🚗 Michigan Paycheck Calculator

Flat 4.25% + Detroit city tax 2.4%. Select your city for exact take-home.

🌵 Arizona Paycheck Calculator

Just 2.5% flat tax — one of the lowest rates in America.

🎓 Massachusetts Paycheck Calculator

5% flat + 4% millionaire's surtax above $1M. Plus PFML at 0.62%.

🎵 Tennessee Paycheck Calculator

Zero state income tax. Hall Tax fully repealed 2021. Same take-home as Texas.

🏁 Indiana Paycheck Calculator

Flat 2.95% + mandatory county tax 0.5%-2.9%. Select your county.

🌻 Missouri Paycheck Calculator

Progressive 0%-4.8%. KC and St. Louis add 1% earnings tax.

🦀 Maryland Paycheck Calculator

State 2%-5.75% + mandatory county 2.25%-3.20%. Surprise: beats CA at $80K.

⛰️ Colorado Paycheck Calculator

4.4% flat + 0.45% FAMLI. Decoupled from federal overtime deduction.

❄️ Minnesota Paycheck Calculator

5.35%-9.85% progressive. Generous $14,575 SD + $4,950 PE offset top rate.

🧀 Wisconsin Paycheck Calculator

3.5%-7.65% with sliding-scale SD that phases out above $119K.

🌴 South Carolina Paycheck Calculator

Simplified 0%-6.2% brackets. No local taxes. Rate cuts coming.

🏈 Alabama Paycheck Calculator

2%-5% + unique federal tax deduction on state return saves ~$450/yr.

⚜️ Louisiana Paycheck Calculator

Brand new 3% flat tax (2025 reform). $12,500 SD. No local income tax.

🐎 Kentucky Paycheck Calculator

Flat 3.5% + city occupational tax. Louisville 1.45%, Lexington 2.5%.

🌲 Oregon Paycheck Calculator

4.75%-9.9% + Portland Metro surcharges. Worst net at $80K: $58,293.

🤠 Oklahoma Paycheck Calculator

Simplified 2.5%-4.5% (3 brackets). Low cost of living state.

🎓 Connecticut Paycheck Calculator

7 brackets 3%-6.99%. No standard deduction. PE credit phases out.

🏔️ Utah Paycheck Calculator

4.45% flat minus $945 taxpayer credit. Effective rate ~3.3% at $80K.

🎰 Nevada Paycheck Calculator

Zero income tax. 4th no-tax state. CA→NV saves $4,278/yr.

🌽 Iowa Paycheck Calculator

Brand new 3.8% flat rate (2026 reform). Optional school district surtax.

💎 Arkansas Paycheck Calculator

0%-3.9% progressive. Top rate dropped from 5.5%. Grocery tax eliminated.

🏛️ Mississippi Paycheck Calculator

4% flat above $10K — phasing to 3% by 2030, possibly 0%.

🌾 Kansas Paycheck Calculator

5.2%-5.58% — bottom bracket higher than most states' top rates.

🌶️ New Mexico Paycheck Calculator

1.5%-5.9%. Beware: standard deduction phases out as income rises.

🌾 Nebraska Paycheck Calculator

2.46%-5.84%, dropping to 3.99% by 2027. Federal-conforming SD.

🥔 Idaho Paycheck Calculator

Flat 5.695% (was progressive). $120 grocery credit. Effective ~4.6%.

🌺 Hawaii Paycheck Calculator

12 brackets 1.4%-11% — most brackets of any state. Net $59,253 at $80K.

⛏️ West Virginia Paycheck Calculator

2.36%-4.82%. SS fully exempt 2026. Top rate cut from 6.5%.

🦬 South Dakota Paycheck Calculator

Zero income tax + no corporate tax. Remote worker magnet.

🏔️ Alaska Paycheck Calculator

$0 tax + $1,000 PFD. Only state that PAYS you.

🤠 Wyoming Paycheck Calculator

No income tax AND no corporate tax. 1 of only 2 states.

🏡 New Hampshire Paycheck Calculator

$0 income tax. I&D tax repealed 2025. But #2 property tax.

🐻 Montana Paycheck Calculator

1%-5.65% inverted top bracket. No sales tax. Federal deduction.

💼 Delaware Paycheck Calculator

0%-6.6%. No sales tax. Wilmington adds 1.25% city tax.

🦞 Maine Paycheck Calculator

5.8%-7.15%. Top rate at just $61.6K. Digital goods taxed 2026.

⛵ Rhode Island Paycheck Calculator

3.75%-5.99%. Best net in the Northeast at $80K ($62,403).

🍁 Vermont Paycheck Calculator

3.35%-8.75%. 3rd highest top rate in US. Low burden at $80K.

🌾 North Dakota Paycheck Calculator

0%-2.5%. First $44K at 0%. Just $381 state tax on $80K.

🏠 PMI Calculator

Private mortgage insurance cost, removal date, and vs bigger down payment.

📊 ARM Calculator

Adjustable rate mortgage: fixed period, post-reset scenarios, vs fixed comparison.

🏦 Mortgage Interest Deduction Calculator

Annual tax savings, year-by-year schedule, and itemize vs standard deduction.

🏡 Home Equity Loan Calculator

HEL payment, HEL vs HELOC comparison, and tax deductibility by purpose.

🏘️ Rental Income Tax Calculator

Schedule E tax, 27.5-year depreciation, and passive activity loss rules.

📈 Stock Options Tax Calculator

ISO vs NSO tax comparison: exercise tax, AMT, FICA, and LTCG at sale.

🎓 Education Tax Credit Calculator

AOTC vs LLC comparison: max $2,500 vs $2,000, refundable vs non-refundable.

💼 Side Hustle Tax Calculator

W-2 + side income tax, after-tax hourly rate, and quarterly payment schedule.

🚀 Mega Backdoor Roth Calculator

$70K limit: after-tax 401k space, tax-free growth projection, vs regular Roth.

💰 NIIT Calculator

3.8% net investment income tax: what counts, thresholds, and reduction strategies.

🤠 Texas Property Tax Calculator

County rates 1.68%-2.27%. $100K homestead exemption. No income tax tradeoff.

🌴 California Property Tax Calculator

Prop 13: tax on purchase price, not market value. 2%/year cap saves thousands.

🗽 New York Property Tax Calculator

Westchester $15K median — highest in US. NYC 0.85%. STAR program savings.

🌊 Florida Property Tax Calculator

$50K homestead + Save Our Homes 3% cap + portability to new FL home.

🏭 New Jersey Property Tax Calculator

Highest in US: $9,358 median. Camden 3.18%. $1,060/month before mortgage.

🌽 Illinois Property Tax Calculator

2nd highest in US. Cook County equalizer ~2.9×. Winnebago 2.89%.

🔔 Pennsylvania Property Tax Calculator

School tax often exceeds county tax. Assessments frozen at decades-old values.

🏈 Ohio Property Tax Calculator

35% assessment + automatic 10% rollback. $26,200 senior homestead.

🍑 Georgia Property Tax Calculator

0.83% avg. Some counties exempt ALL school tax at 62+. Retiree magnet.

🌲 North Carolina Property Tax Calculator

3.99% income + 0.70% property = best combined tax burden for homeowners.

🌴 California Sales Tax Calculator

7.25% base (highest in US) up to 10.75%. 2,558 tax jurisdictions. Groceries exempt.

🤠 Texas Sales Tax Calculator

6.25%-8.25% (cap). Tax-Free Weekend in August. No income tax tradeoff.

🗽 New York Sales Tax Calculator

NYC 8.875%. Clothing under $110 = $0 tax. $109 jacket tax-free, $111 = $9.85.

🌊 Florida Sales Tax Calculator

6%-8.50%. FOUR tax-free periods per year — more than any other state.

🌽 Illinois Sales Tax Calculator

Chicago 10.25% — one of highest in US. State grocery tax eliminated 2026.

🔔 Pennsylvania Sales Tax Calculator

Only 3 rates: 8% (Philly), 7% (Pittsburgh), 6% (rest). Clothing + groceries exempt.

🏈 Ohio Sales Tax Calculator

5.75%-8.00%. August sales tax holiday. Groceries exempt statewide.

🍑 Georgia Sales Tax Calculator

4%-9%. Groceries "exempt" but local tax still applies — Atlanta groceries = 4.9%.

🌲 North Carolina Sales Tax Calculator

4.75% state + local. Uniform 6.75%-7.50%. Groceries at reduced 2% local only.

🏭 New Jersey Sales Tax Calculator

6.625% uniform. Clothing exempt with NO dollar limit. UEZ zones at half rate.

🗽 NYC Paycheck Calculator

Federal + NY state + 3.08%-3.88% city tax. NYC costs $6,477/year more than Texas.

🔔 Philadelphia Paycheck Calculator

3.75% wage tax from dollar one — no deductions. Combined PA+Philly = 6.82%.

🏈 Detroit Paycheck Calculator

2.4% resident / 1.2% non-resident city tax. Living in Dearborn saves $960/year.

🌲 Portland Paycheck Calculator

OR state tax + PFA 1.5% + SHS 1% above $125K. Under $125K = same as rest of OR.

🌉 San Francisco Paycheck Calculator

NO city income tax — saves $2,199/year over NYC at $80K. CA state tax only.

🏘️ Yonkers Paycheck Calculator

16.75% surcharge on NY state tax. $631 more than suburbs, $2,078 LESS than NYC.

🦀 Baltimore Paycheck Calculator

3.20% county piggyback — highest in MD. More than California at $80K.

⚾ St. Louis Paycheck Calculator

1% earnings tax for city residents AND workers. County has no tax — save $800/year.

🎺 Kansas City Paycheck Calculator

MO vs KS side: KC Missouri is $374/year CHEAPER despite the 1% earnings tax.

🚂 Newark Paycheck Calculator

No city tax. Save $3,077/year vs NYC — same PATH train commute to Midtown.