Free US money calculators

Work out your take-home pay, federal income tax, sales tax, mortgage payment, car loan, Roth IRA and retirement savings in seconds. Figures follow the official rules for the 2026 tax year, with links to sources such as the IRS.

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Taxes & Paychecks

PaycheckTake-home pay after federal tax, Social Security and Medicare Federal Income TaxYour federal tax with brackets, standard deduction and credits Salary to HourlyConvert annual, monthly, weekly and hourly pay Overtime PayTime-and-a-half and double time pay for your week Sales TaxState and local sales tax, added or backed out Self-Employment TaxSocial Security and Medicare tax on 1099 income Capital Gains TaxFederal tax on stock, crypto and property gains HSA Contribution2026 HSA limits, prorating and tax savings

Home & Mortgage

MortgageMonthly payment with taxes, insurance and PMI Home AffordabilityHow much house your income and debts support Mortgage RefinanceMonthly savings and the break-even point on closing costs Rent vs BuyCompare renting and buying over the years you plan to stay Rent AffordabilityHow much rent fits your income, with your debts included

Savings & Investing

Compound InterestSavings growth with monthly deposits 401(k) ContributionContribution limits, employer match and growth CD InterestInterest a CD earns by maturity, plus penalty and tax InflationWhat a dollar from any year is worth today (BLS CPI) Roth IRA2026 limit, income phase-out and growth Retirement SavingsSavings at retirement and income it could pay

Loans & Credit

Auto LoanMonthly car payment with sales tax and trade-in Credit Card PayoffHow long to pay off a balance, and the interest Student LoanMonthly payment and how extra payments speed up payoff Debt-to-Income RatioFront-end and back-end DTI against lender limits

Car & Gas

Gas CostTrip cost from miles, MPG and gas price Car LeaseMonthly lease payment with money factor and tax

Everyday Money

Tip & Bill SplitWork out the tip and split the bill per person 50/30/20 BudgetSplit take-home pay into needs, wants and savings

How we check the numbers

  • Official sources, clearly dated: tax rates, thresholds and limits are checked against government and regulator publications, and every page shows the date its figures were last checked.
  • Tested before publishing: the Everyday Money Calc team checks each calculator against a separate test sheet with at least three worked examples before it goes live.
  • Updated when the rules change: when a budget or a rate changes, we update the numbers and the date, and we review every calculator at least once a year.
  • Ads never change the results: if we show ads, they are kept separate from calculator results, and we don’t take payment to recommend loans, credit cards or insurance.
  • Found a number that looks wrong, or need a calculator we don’t have yet? Let us know.

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