Free Calculators for Taxes, Retirement & Buying a Home
Type in a few numbers and get an answer right away: your take-home pay, your tax bill, whether your savings will last, what a house costs each month. The math uses 2026 IRS tax brackets, Social Security formulas, IRS withdrawal tables and state tax data.
Taxes & Paycheck
Income tax, paycheck, capital gains and property tax for every state
Retirement & 401(k)
Will your savings last, Social Security, RMDs and Roth IRAs
Mortgage & Housing
Monthly payment, how much house you can afford, rent vs. buy
Investing & Loans
Compound interest, asset mix, savings rates, CDs and debt payoff
Good Places to Start
FeaturedIncome Tax Calculator
Estimate your 2026 federal, FICA, state and local income tax, plus your marginal bracket and effective tax rate.
Paycheck Calculator
See your take-home pay per paycheck after federal and state tax, FICA, 401(k), HSA and health insurance, from weekly to monthly pay periods.
Retirement Calculator
See if your savings will last. Enter your age, savings, contributions and Social Security to project your nest egg and the monthly income it can support.
401(k) Calculator
Estimate your 401(k) balance at retirement from your contributions, employer match, raises and returns, using the 2026 IRS limits including catch-up.
Mortgage Calculator
Estimate your monthly payment with property tax, home insurance, PMI and HOA dues, then see the amortization schedule year by year.
Home Affordability
Find out how much house you can afford from your income, debts, down payment and state, using the 28/36 rule.
Tax Calculators
View All Taxes →Income Tax Calculator
Estimate your 2026 federal, FICA, state and local income tax, plus your marginal bracket and effective tax rate.
Paycheck Calculator
See your take-home pay per paycheck after federal and state tax, FICA, 401(k), HSA and health insurance, from weekly to monthly pay periods.
Capital Gains Tax
Estimate 2026 federal and state tax on gains from stocks, crypto or real estate, including the 3.8% NIIT and the $250k/$500k home sale exclusion.
Property Tax Calculator
Estimate your yearly and monthly property tax from your home value, homestead exemption and state rate, and compare it with the national average.
Retirement Tax Calculator
Estimate your 2026 federal and state tax on Social Security, 401(k)/IRA withdrawals and pensions, and see how much of your benefit is taxable.
Sales Tax Calculator
Add sales tax to a price or back it out of a receipt, using each state rate plus the average local rate, in all 50 states and D.C.
Estate Tax Calculator
Estimate whether an estate owes federal estate tax above the $15M exemption ($30M for married couples) and what is left for heirs.
Retirement Calculators
View All Retirement →Retirement Calculator
See if your savings will last. Enter your age, savings, contributions and Social Security to project your nest egg and the monthly income it can support.
401(k) Calculator
Estimate your 401(k) balance at retirement from your contributions, employer match, raises and returns, using the 2026 IRS limits including catch-up.
Social Security Calculator
A rough estimate of your monthly Social Security benefit if you claim at 62, 67 or 70. Your statement at ssa.gov has your real number.
RMD Calculator
Find your 2026 required minimum distribution (RMD) from the IRS Uniform Lifetime Table, plus the next 15 years for your IRA or 401(k).
Roth IRA Calculator
Compare a Roth IRA with a Traditional IRA using your tax rate today and in retirement, and see which leaves you with more after taxes.
Annuity Calculator
See how much monthly income a lump sum can pay over a set number of years at the rate you choose, plus the total paid and interest earned.
Advisor Value Calculator
Estimate what a financial advisor fee might cost or add to your portfolio over time. You set the extra return and the fee.
Mortgage & Home Buying Calculators
View All Mortgage →Mortgage Calculator
Estimate your monthly payment with property tax, home insurance, PMI and HOA dues, then see the amortization schedule year by year.
Home Affordability
Find out how much house you can afford from your income, debts, down payment and state, using the 28/36 rule.
Refinance Calculator
Compare your current mortgage with a refinance to see your monthly savings, how many months until closing costs pay off, and the net interest saved.
Rent vs. Buy Calculator
Compare the net cost of buying a home with renting and investing the difference, and see the year buying starts to come out ahead.
Down Payment Calculator
Compare 3.5%, 5%, 10% and 20% down payments side by side: cash needed, monthly payment, PMI, and how many months it takes to save.
Closing Costs Calculator
Estimate your closing costs and total cash to close: lender fees, appraisal, title insurance, state transfer tax and prepaid items.
Cost of Living Calculator
Compare housing, groceries, transportation, utilities, healthcare and income tax in two U.S. cities to estimate the salary you would need after a move.
Investing Calculators
View All Investing →Investment Calculator
Estimate what your investments could be worth after fund fees and inflation, from your starting balance, contributions, expected return and years.
Compound Interest
See how daily, monthly, quarterly or annual compounding grows your savings, and how much of the balance is deposits versus interest.
Inflation Calculator
Enter an amount, the years and a yearly inflation rate to see how much buying power cash loses and what things could cost later.
Asset Allocation
Find a sample mix of U.S. stocks, international stocks, bonds and cash for your risk tolerance, and see a range of possible outcomes.
Banking & Savings Calculators
View All Banking →Savings Calculator
See how fast your emergency fund or other cash savings could grow in a high-yield savings account, compared with the national average rate.
CD Calculator
Estimate the interest and maturity value of a certificate of deposit for terms from 3 months to 5 years, and what an early withdrawal could cost.
Loans, Credit & Insurance Calculators
View All Loans & Insurance →Student Loan Calculator
Calculate your monthly student loan payment and total interest, and see how many months and dollars an extra monthly payment saves.
Personal Loan Calculator
Estimate the monthly payment, total interest, cash you receive after fees and true APR on a personal or auto loan with an origination fee.
DTI Ratio Calculator
Work out your front-end and back-end debt-to-income ratio and see how it compares with conventional (28/36), FHA (31/43) and Qualified Mortgage limits.
Credit Card Payoff
See how many months it takes to pay off your card at a given payment and APR, and how much interest it costs. Raise the payment to compare.
Life Insurance Calculator
Estimate how much life insurance you need with the DIME method: debts, income replacement, mortgage and education, minus savings and existing coverage.
50/30/20 Budget Calculator
Enter your monthly take-home pay and see how the 50/30/20 rule splits it into needs, wants and savings or debt payoff.
Paycheck Calculator by State
50 States + D.C.Pick a state to see its 2026 tax rules and results for common salaries or home values.
- Alabama Progressive
- Alaska No Income Tax
- Arizona 2.50% Flat
- Arkansas Progressive
- California Progressive
- Colorado 4.40% Flat
- Connecticut Progressive
- Delaware Progressive
- District of Columbia Progressive
- Florida No Income Tax
- Georgia 4.99% Flat
- Hawaii Progressive
- Idaho 5.30% Flat
- Illinois 4.95% Flat
- Indiana 2.95% Flat
- Iowa 3.80% Flat
- Kansas Progressive
- Kentucky 3.50% Flat
- Louisiana 3.00% Flat
- Maine Progressive
- Maryland Progressive
- Massachusetts Progressive
- Michigan 4.25% Flat
- Minnesota Progressive
- Mississippi 4.00% Flat
- Missouri Progressive
- Montana Progressive
- Nebraska Progressive
- Nevada No Income Tax
- New Hampshire No Income Tax
- New Jersey Progressive
- New Mexico Progressive
- New York Progressive
- North Carolina 3.99% Flat
- North Dakota Progressive
- Ohio 2.75% Flat
- Oklahoma Progressive
- Oregon Progressive
- Pennsylvania 3.07% Flat
- Rhode Island Progressive
- South Carolina Progressive
- South Dakota No Income Tax
- Tennessee No Income Tax
- Texas No Income Tax
- Utah 4.50% Flat
- Vermont Progressive
- Virginia Progressive
- Washington No Income Tax
- West Virginia Progressive
- Wisconsin Progressive
- Wyoming No Income Tax
About These Calculators
These are 32 free calculators for the money questions that come up most: what you take home, what you owe in tax, whether you can retire, and what a house really costs. There are also 153 state-specific tax tools for paychecks, income tax and property tax. They use the 2026 federal rules and each state's own tax tables, and they give estimates, not tax advice.
Taxes and Take-Home Pay
Check your withholding with the Paycheck Calculator, or compare a job offer in another city with the Cost of Living Calculator. The tax math covers progressive federal brackets, the $184,500 Social Security wage cap, the 0.9% Additional Medicare tax, the 3.8% net investment income tax (NIIT) and the rules of all 50 states and Washington, D.C.
Retirement and Withdrawals
Rules of thumb only go so far. The Retirement Calculator, Social Security Calculator and RMD Calculator take your own 401(k) and IRA balances, Roth savings, employer match and inflation, then follow your withdrawals to the age you plan for.