Complete Suite of 84 US Financial Calculators
Instantly filter through our institutional-grade financial calculation tools designed strictly for US homeowners, taxpayers, investors, and business owners.
Mortgage & Housing
PITI, Amortization, Refinance & Equity
30-Year Fixed Mortgage Calculator 2026
Calculate monthly 30-year fixed mortgage payments including Principal, Interest, Property Taxes, Homeowners Insurance, and PMI with full amortization schedule.
15-Year Fixed Mortgage Calculator
Compare 15-year vs 30-year fixed mortgage payments. Discover how a shorter term cuts total interest paid by 60%+ while building home equity at triple speed.
Mortgage Refinance Break-Even Calculator 2026
Calculate your mortgage refinance break-even point in months. Determine if lowering your interest rate justifies upfront closing costs and origination points.
Rent vs Buy Calculator USA (2026)
Unbiased mathematical comparison of renting and investing the difference in index funds vs buying a home with property taxes, HOA fees, and maintenance costs.
PMI Calculator
Estimate monthly Private Mortgage Insurance (PMI) cost and calculate the exact date and balance when you can request PMI cancellation at 80% LTV.
FHA Loan Calculator 2026
Calculate Federal Housing Administration (FHA) loan payments, 1.75% upfront Mortgage Insurance Premium (UFMIP), and annual monthly MIP charges.
VA Loan Calculator
Calculate VA loan payments for US military veterans and active duty service members. Compute 0% down payments, VA funding fees, and no monthly PMI benefits.
Jumbo Loan Calculator 2026
Calculate monthly payments on jumbo mortgages exceeding FHFA conforming loan limits ($766,550+). Evaluate reserve requirements and down payment tiers.
HELOC Calculator
Calculate interest-only draw period payments vs principal + interest repayment phase costs on a Home Equity Line of Credit (HELOC).
Home Equity Loan Calculator
Compute fixed monthly payments and interest costs for a lump-sum home equity loan. Compare fixed second mortgages vs variable-rate HELOCs.
Extra Mortgage Principal Payment Calculator
Calculate how making monthly, annual, or one-time extra principal payments eliminates years off your mortgage and saves tens of thousands in interest.
5/1 & 7/1 ARM Calculator
Model 5/1, 7/1, and 10/1 Adjustable Rate Mortgages (ARMs). Calculate initial fixed period savings, worst-case rate caps, and maximum payment spikes.
Property Tax Calculator USA
Estimate annual and monthly real estate property taxes by home market value, county assessment ratio, and local municipal millage rates.
Home Affordability Calculator 2026
Discover how much house you can afford based on gross income, monthly debts, down payment savings, and conservative 28/36 debt-to-income underwriting limits.
Closing Costs Calculator USA
Estimate buyer closing costs (2% to 5% of loan amount) including loan origination, title insurance, appraisal, prepaid escrow taxes, and transfer fees.
Reverse Mortgage Calculator (HECM)
Estimate Home Equity Conversion Mortgage (HECM) proceeds for homeowners age 62+. Calculate available tax-free lump sum or monthly tenure payouts.
Taxes & Paycheck
W-2, 1099, IRS 2026 Brackets & State Taxes
Paycheck Calculator 2026
Free US paycheck calculator for 2026. Calculate exact take-home pay after Federal Income Tax, FICA Social Security (6.2%), Medicare (1.45%), and State Tax.
Federal Income Tax Calculator 2026
Calculate your exact 2026 federal income tax liability across IRS marginal tax brackets (10%, 12%, 22%, 24%, 32%, 35%, 37%). Compute effective tax rate vs marginal rate.
1099 Self-Employment Tax Calculator 2026
Calculate 15.3% Self-Employment (SECA) taxes for independent contractors, freelancers, and LLC owners. Compute deductible business expenses and 20% QBI deduction.
Capital Gains Tax Calculator 2026
Calculate federal taxes on stocks, crypto, real estate, and ETF sales. Compare Long-Term (0%, 15%, 20%) rates vs Short-Term ordinary rates, including 3.8% NIIT.
State Income Tax Calculator 2026
Compare state income tax rates across all 50 states. See take-home pay differences between 0% tax states (TX, FL, WA, NV) and high-tax states (CA, NY, NJ).
Bonus Tax Calculator 2026
Calculate take-home pay on your annual or performance bonus. Understand why bonuses feel heavily taxed due to the 22% statutory supplemental wage withholding rate.
Hourly to Salary Calculator 2026
Convert hourly wage ($/hr) to equivalent annual salary, monthly take-home, and weekly gross income. Account for 40-hour work weeks and 1.5x overtime hours.
Crypto Tax Calculator USA 2026
Calculate US cryptocurrency taxes on Bitcoin, Ethereum, and altcoin trades. Compute capital gains under FIFO/HIFO cost basis rules and staking income.
RSU Tax Calculator 2026
Calculate taxes on tech company Restricted Stock Units (RSUs) upon vesting. Model statutory 22% vs 37% supplemental withholding and post-vesting capital gains.
W-4 Withholding Calculator 2026
Tune your IRS Form W-4 deductions to eliminate large tax bills or stop giving the federal government an interest-free loan through oversized tax refunds.
FICA Tax Calculator 2026
Calculate exact FICA payroll taxes: 6.2% Social Security up to the 2026 wage base cap ($176,100+) and 1.45% Medicare plus 0.9% Additional Medicare Tax.
AMT Calculator 2026
Determine if you are subject to the Alternative Minimum Tax (AMT). Calculate AMT exemption phase-outs, incentive stock options (ISO) triggers, and Form 6251 liability.
Child Tax Credit Calculator 2026
Calculate your 2026 Child Tax Credit (CTC) up to $2,000 per qualifying child under age 17. Compute phase-outs and refundable Additional Child Tax Credit (ACTC).
Earned Income Tax Credit (EITC) Calculator 2026
Calculate your Earned Income Tax Credit (EITC) for low-to-moderate-income working families. Model maximum refundable refunds based on family size and earnings.
Standard vs Itemized Deduction Calculator 2026
Compare the $15,000 single / $30,000 married standard deduction against itemizing on Schedule A: $10,000 SALT cap, mortgage interest, and charitable donations.
Marriage Tax Penalty vs Bonus Calculator 2026
Calculate whether getting married creates an IRS marriage penalty or marriage bonus. Model combined tax liabilities for dual high-earners vs single-income couples.
ESPP Calculator
Calculate profits from an Employee Stock Purchase Plan (ESPP) with a 15% discount and lookback provision. Model qualifying vs disqualifying dispositions.
Estate & Gift Tax Calculator 2026
Calculate federal estate and gift taxes. Model the $18,000 annual exclusion and determine lifetime exemption utilization before potential TCJA sunset.
EV Tax Credit Calculator 2026
Calculate eligibility for the $7,500 federal Clean Vehicle Tax Credit (Section 30D). Model AGI caps ($150k Single / $300k Married) and MSRP limits.
Solar Tax Credit Calculator 2026
Calculate your 30% federal residential clean energy tax credit under Section 25D for solar panel installation and battery storage systems.
401(k) & Retirement
401(k), Roth IRA, Backdoor, FIRE & Social Security
401(k) Calculator with Employer Match 2026
Model 401(k) retirement compounding with employer match, annual salary raises, and 2026 IRS contribution caps ($23,500 elective deferral).
Roth IRA Calculator 2026
Calculate tax-free compound growth in a Roth IRA. Model $7,000 annual contributions over 10 to 40 years vs an ordinary taxable brokerage account.
Traditional IRA Calculator 2026
Calculate immediate upfront tax savings and future retirement balance in a Traditional IRA. Model phase-out limits for active workplace retirement plan participants.
Backdoor Roth IRA Calculator
Model the 2-step Backdoor Roth IRA conversion for high-income earners. Calculate potential taxes triggered by the IRS Form 8606 pro-rata rule.
Mega Backdoor Roth Calculator
Calculate how much extra after-tax 401(k) money you can convert into a Roth IRA under the $70,000 Section 415(c) limit. Model 20-year tax-free wealth.
FIRE Calculator USA
Calculate your FIRE number (25x annual expenses) and determine the exact year you can achieve Financial Independence and Retire Early using the Trinity Study 4% rule.
Social Security Benefits Calculator 2026
Compare Social Security retirement benefits claiming at Age 62 (reduced 30%), Full Retirement Age (67), and Age 70 (+24% delayed credits).
HSA Triple-Tax Advantage Calculator
Model the Health Savings Account (HSA) triple-tax advantage: 100% tax-deductible contributions, tax-free investment growth, and tax-free medical withdrawals.
RMD Calculator 2026
Calculate mandatory IRS Required Minimum Distributions (RMDs) from Traditional 401(k)s and IRAs using the IRS Uniform Lifetime Table under SECURE 2.0 rules.
Pension vs Lump Sum Calculator
Evaluate whether to accept a lifetime monthly pension annuity or take a lump-sum distribution rolled over into an IRA based on discount rates and life expectancy.
Solo 401(k) Calculator 2026
Calculate maximum Solo 401(k) contributions for self-employed individuals and single-member LLCs: $23,500 employee deferral + 25% employer profit sharing.
SEP IRA Calculator 2026
Calculate Simplified Employee Pension (SEP) IRA contribution limits for small business owners and freelancers. Model up to 25% of compensation or $70,000 max.
Rule of 72 Calculator
Calculate how many years it will take to double your investment capital at various rates of return using the Rule of 72 compound interest formula.
Retirement Nest Egg Calculator
Determine the exact lump-sum retirement nest egg needed to support your target monthly lifestyle expenses using safe withdrawal rates and life expectancy.
Loans & Debt
Auto Loans, Credit Card Payoff, Student Debt & Consolidation
Auto Loan Calculator 2026
Calculate monthly car loan payments, sales tax, dealer fees, and total interest for new and used vehicles across 36, 48, 60, and 72-month terms.
Auto Lease vs Buy Calculator
Compare the financial math of leasing a vehicle vs purchasing with financing. Compute money factor, residual value, disposition fees, and long-term equity.
Credit Card Payoff Calculator
Calculate how long it takes to become credit card debt free. Compare minimum payments vs accelerated fixed payoff to eliminate 24%+ APR interest.
Debt Snowball vs Avalanche Calculator
Compare the psychological momentum of Dave Ramsey’s Debt Snowball method against the interest-minimizing Debt Avalanche method.
Student Loan Calculator USA 2026
Calculate monthly payments on federal Direct and private student loans. Compare standard 10-year amortization vs income-driven repayment plans.
Personal Loan Calculator
Calculate monthly payments and total borrowing costs for unsecured personal loans from banks and online lenders across 2 to 7-year terms.
Debt Consolidation Loan Calculator
Calculate interest savings by combining high-rate credit cards and loans into a single low-APR consolidation loan with one predictable monthly bill.
Debt-to-Income (DTI) Ratio Calculator
Calculate front-end and back-end Debt-to-Income (DTI) ratios to check your eligibility for conventional mortgages, auto loans, and refinances.
Student Loan SAVE Plan Calculator
Calculate monthly payments under the federal Saving on a Valuable Education (SAVE) plan: 5% cap on undergraduate loans and 225% poverty line protection.
Compound Interest & Wealth
S&P 500 DCA, 529 Plans, Inflation & Treasury Bills
Compound Interest Calculator USA
Calculate compound interest with regular monthly additions. Model daily, monthly, and annual compounding frequencies over 1 to 40-year investment horizons.
S&P 500 Investment Calculator
Calculate wealth accumulation using historical S&P 500 index fund returns (~10.2% CAGR with dividends reinvested). Model dollar-cost averaging (DCA).
529 College Savings Plan Calculator
Calculate college tuition growth in a state-sponsored 529 plan. Compute tax-exempt compounding and the new $35,000 Roth IRA rollover rule under SECURE 2.0.
US Inflation Calculator (CPI)
Calculate how US Consumer Price Index (CPI) inflation erodes the purchasing power of cash reserves over 10, 20, and 30-year horizons.
High-Yield Savings Account (HYSA) Calculator
Calculate monthly interest earned in a High-Yield Savings Account (4.5%–5.0% APY) vs traditional brick-and-mortar bank accounts paying 0.01%.
CD Calculator
Calculate guaranteed maturity payouts on bank Certificates of Deposit (CDs). Model early withdrawal penalties and compare CD ladders vs HYSAs.
Treasury Bill Calculator
Calculate discount purchase price and annualized investment yield on 4-week, 8-week, 13-week, 26-week, and 52-week US Treasury Bills. 100% state tax exempt.
Dividend Reinvestment (DRIP) Calculator
Model the dividend snowball effect. Calculate how reinvesting quarterly corporate dividends accelerates share count accumulation and future passive dividend income.
Series I Savings Bonds Calculator
Calculate interest growth on US Treasury Series I Savings Bonds. Compute semiannual composite interest rates and the 3-month early redemption interest penalty.
Emergency Fund Calculator
Calculate your exact emergency fund target based on monthly housing, food, utilities, and healthcare. Determine 3-month vs 6-month safety reserves.
Net Worth Calculator
Calculate personal net worth by tallying financial assets, real estate equity, and retirement accounts against mortgages, student loans, and credit card debts.
Cost of Living Comparison Calculator
Compare purchasing power and salary parity between high-cost metros (NYC, SF, Seattle) and affordable hubs (Austin, Tampa, Dallas, Charlotte).
Term Life Insurance Calculator
Calculate term life insurance coverage using the DIME method (Debt, Income, Mortgage, Education). Protect family finances with level term policies.
Heat Pump & HVAC Efficiency Calculator 2026
Calculate energy savings upgrading from SEER 10 to SEER2 18+ heat pumps. Compute the $2,000 federal Energy Efficient Home Improvement Credit (Section 25C).
Real Estate & Business
Rental Cash Flow, Section 179, BRRRR & Startup Runway
Rental Property Calculator
Calculate rental property cash flow, Net Operating Income (NOI), Capitalization Rate (Cap Rate), and Cash-on-Cash Return for residential real estate investments.
Section 179 Deduction Calculator 2026
Calculate IRS Section 179 business tax deductions and bonus depreciation for qualifying business equipment, technology, and 6,000+ lb commercial vehicles.
Startup Runway & Burn Rate Calculator
Calculate startup burn rate, net cash drain, and months of runway remaining. Model when to begin your next venture capital financing round.
1031 Exchange Tax Deferral Calculator
Calculate deferred capital gains, depreciation recapture taxes, and net equity reinvestment requirements under Section 1031 like-kind exchanges.
BRRRR Method Calculator
Model the complete real estate BRRRR strategy: Buy distressed, Rehab, Rent, Cash-out Refinance at 75% ARV, and Repeat with infinite return on equity.
LLC Tax Calculator 2026
Compare taxes for single-member LLCs: Default Disregarded Entity (15.3% SECA) vs S-Corporation election (Reasonable Salary + Dividend Distributions).
Cap Rate Calculator
Calculate property Capitalization Rate (Cap Rate) and Net Operating Income (NOI). Evaluate unlevered yield on residential and commercial real estate.
Cash-on-Cash Return Calculator
Calculate Cash-on-Cash (CoC) return on residential rental property. Measure pre-tax cash flow relative to total cash invested (down payment + closing + rehab).
Real Estate Depreciation Calculator
Calculate annual MACRS straight-line depreciation deductions (27.5 years for residential, 39 years for commercial). Shelter rental cash flow from income taxes.
Commercial Real Estate Loan Calculator
Model commercial property mortgages: 20–25 year amortization with 5, 7, or 10-year balloon maturities. Compute Debt Service Coverage Ratio (DSCR 1.25x).
SBA Loan Calculator
Calculate monthly payments for Small Business Administration (SBA) 7(a) and 504 loans up to $5 million. Model Prime rate spreads and SBA guarantee fees.