Finance Calculators
Free, accurate finance calculators for paycheck, income tax, investments, retirement, real estate, debt payoff, and business pricing — all updated for 2026.
Paycheck & Take-Home Pay Calculators
Estimate net pay after federal, state, and FICA withholding for hourly or salaried workers.
Estimates take-home pay, federal tax, state tax, local income tax, and FICA for any US salary or hourly wage.
Open calculator →Estimates Texas take-home pay, federal income tax, and FICA — no state income tax.
Open calculator →Estimates Florida take-home pay, federal income tax, and FICA — no state income tax.
Open calculator →Estimates New York take-home pay, progressive state tax, federal tax, and FICA.
Open calculator →Estimates Illinois take-home pay at the flat 4.95% state rate, plus federal tax and FICA.
Open calculator →Estimates New Jersey take-home pay, progressive state tax, federal tax, and FICA.
Open calculator →Income Tax Calculators
Estimate annual federal and state income tax liability, effective rate, and refund or amount owed.
Estimates federal tax, state tax, local income tax, FICA, and total liability for any US state in 2025 or 2026.
Open calculator →Estimates federal income tax, FICA, and annual liability for Texas — no state income tax.
Open calculator →Estimates federal income tax, FICA, and annual liability for Florida — no state income tax.
Open calculator →Estimates New York progressive state tax (3.9%–10.9%), federal tax, and FICA for 2025 and 2026.
Open calculator →Estimates Illinois state tax at the flat 4.95% rate, federal tax, and FICA for 2025 and 2026.
Open calculator →Estimates New Jersey progressive state tax (1.4%–10.75%), federal tax, and FICA for 2025 and 2026.
Open calculator →Canadian Sales Tax Calculators
Calculate GST, HST, PST, and QST for every Canadian province and territory — forward and reverse modes.
Calculates subtotal, GST, HST, PST, QST, and total for every Canadian province and territory.
Open calculator →Calculates pre-tax price and tax breakdown from a tax-included total for any Canadian province.
Open calculator →Calculates subtotal, GST, HST, and total — picks the right rate automatically for any Canadian province.
Open calculator →Calculates 5% GST, subtotal, and total for Alberta, BC, SK, MB, and the territories.
Open calculator →Specialty Tax Calculators
Estimate taxes for overtime pay, self-employment income, and Social Security retirement benefits.
Estimates federal tax, state tax, FICA, and take-home pay on overtime wages — supports time and a half, double time, and custom rates.
Open calculator →Estimates SE tax (15.3%), deductible half, federal income tax, state tax, and net income for freelancers and self-employed workers.
Open calculator →Estimates monthly and annual retirement benefits by income, birth year, and claiming age — compares benefits at 62, FRA, and 70.
Open calculator →Investment & Savings Calculators
Project investment growth, dividend income, and savings returns with compound interest.
Estimates future value, total contributions, and total interest earned for any investment with compound interest.
Open calculator →Calculates compound growth for any principal, rate, and compounding frequency with optional monthly contributions.
Open calculator →Calculates return on investment, annualized ROI, and total gain for any investment over a custom period.
Open calculator →Estimates annual dividend income, dividend yield, and projected income growth over any holding period.
Open calculator →Retirement Calculators
Plan for retirement with FIRE, IRA, 401(k), TSP, 529, and pension calculators.
Calculates your FIRE number and Coast FIRE number — the amount needed today to reach retirement without additional contributions.
Open calculator →Projects 401(k) balance at retirement with employer match, contribution limits, and year-by-year growth.
Open calculator →Projects Thrift Savings Plan balance at retirement with FERS agency match and 2025 contribution limits.
Open calculator →Projects IRA balance at retirement and estimates tax savings for Traditional vs. Roth IRA contributions.
Open calculator →Personal Finance & Debt
Pay off debt faster with credit card payoff, debt snowball, student loan, and mortgage calculators.
Estimates months to payoff, total interest, and payoff date for credit card debt based on APR and monthly payment.
Open calculator →Calculates monthly payment, total interest, and payoff date — with extra payment savings for student loans.
Open calculator →Calculates monthly payment, total interest, and amortization for any personal or installment loan.
Open calculator →Calculates monthly payment, total interest, and full amortization schedule — with extra payment savings analysis.
Open calculator →Business & Pricing
Calculate markup, profit margins, break-even, commission, and sales tax for business and pricing decisions.
Calculates selling price, gross profit, and profit margin from cost and markup percentage.
Open calculator →Calculates gross profit, profit margin %, and markup % from cost and revenue.
Open calculator →Calculates break-even units and revenue, contribution margin, and margin of safety.
Open calculator →Calculates commission earned, total compensation with base salary, and after-tax commission for any rate and sale amount.
Open calculator →Real Estate Calculators
Estimate mortgage payments, closing costs, affordability, rent, and investment returns for real estate decisions.
Calculates monthly mortgage payment, total interest, and full amortization schedule for any home loan.
Open calculator →Calculates maximum home price based on income, debts, down payment, and the 28/36 DTI rule.
Open calculator →Estimates buyer closing costs for conventional, FHA, VA, and USDA loans — lender fees, appraisal, title, and prepaid items.
Open calculator →Estimates maximum affordable rent using the 30%, 28%, and 25% income rules plus debt-to-income ratio.
Open calculator →Payroll & HR Calculators
Calculate raise amounts, PTO value, severance pay, and benefits for employment decisions.
Calculates new salary, annual raise, and per-paycheck increase — includes real raise after inflation.
Open calculator →Calculates annual PTO hours, days, and dollar value based on accrual rate and salary.
Open calculator →Estimates total severance pay, weeks of compensation, and after-tax amount based on salary and years of service.
Open calculator →Specialty Finance Calculators
Specialized tools for event studies, zakat, employee share plans, and more.
Calculates zakat due (2.5%) on total zakatable assets above the nisab threshold — cash, gold, investments, and business assets.
Open calculator →Estimates tax and NI savings, total share value, and effective cost for UK Share Incentive Plans (SIP).
Open calculator →Calculates abnormal returns and cumulative abnormal return (CAR) per period for finance event studies.
Open calculator →