Calculate your take-home pay, federal and state taxes, mortgage payments, and retirement savings instantly, with no sign-up required.
Whether you're evaluating a job offer, planning for tax season, buying a home, or tuning retirement savings, these calculators help you estimate key US numbers quickly.
All tools run in your browser—your inputs stay on your device. Free to use; optional ads may appear elsewhere on the site.
Free US salary calculator 2026. See take-home pay after federal/state/FICA taxes for all 50 states. Perfect for job offers & budgeting.
Free income tax calculator 2026. Federal & state rates for all 50 states. Effective vs marginal rate, FICA. Perfect for tax planning.
Free 401k calculator 2026. Employer match, contribution limits, catch-up. See retirement readiness & 4% rule income.
No standalone SE tax tool yet. The income tax calculator helps you work through federal rates; use IRS rules for the full 15.3% self-employment tax on net earnings.
Open income tax calculator →Free mortgage calculator 2026. PITI, amortization, PMI. Supports conventional, FHA, VA loans. Perfect for homebuyers.
Free mortgage payoff calculator 2026. Extra payments, biweekly, lump sums. See interest savings & early payoff date.
Calculate how much house you can afford based on income, debts, down payment, and mortgage rates. Determine maximum home price and monthly payment within your budget.
Calculate compound interest on investments with daily, monthly, quarterly, or annual compounding. See how your savings grow over time with interest-on-interest calculations and detailed charts.
Calculate investment returns, growth, and future value with compound interest. Analyze lump sum investments, SIP, or recurring deposits with inflation adjustment and tax implications.
The US federal income tax has seven brackets in 2026 ranging from 10% to 37%, depending on your taxable income and filing status. Most middle-income earners have an effective rate well below their marginal bracket.
Your take-home pay is your gross salary minus federal income tax, state income tax, Social Security (6.2%), and Medicare (1.45%) taxes. Use our US Salary Calculator for an exact breakdown for all 50 states.
Your marginal tax rate is the rate applied to your last dollar of income (your bracket). Your effective tax rate is the average rate across all your income — always lower than your marginal rate because the US uses a progressive tax system.
FICA taxes total 7.65% of your gross wages: 6.2% for Social Security (on wages up to $176,100) and 1.45% for Medicare (on all wages). Self-employed individuals pay 15.3% as they cover both the employee and employer share.
The 2026 standard deduction is $15,000 for single filers, $30,000 for married filing jointly, and $22,500 for head of household.
A common rule is to keep your monthly housing costs below 28% of your gross monthly income. Use our Home Affordability Calculator to get a precise answer based on your income, debts, down payment, and current mortgage rates.
Most financial advisors recommend contributing at least enough to get your full employer match (typically 3–6% of salary), then increasing to 15% of gross income including the match over time. The 2026 contribution limit is $23,500.
If you earn $400 or more in net self-employment income in a year, you owe self-employment tax (15.3% on net earnings). You can deduct half of SE tax from your gross income when calculating your federal income tax.