Finance & Tax Calculators

Enter your gross salary or hourly rate in the Paycheck Calculator. Select your filing status, pay frequency, and state. The calculator applies 2026 federal brackets, Social Security (6.2% up to $184,500), Medicare (1.45%), and state income tax to show exact net pay per paycheck.

The seven 2026 federal brackets: 10% (up to $11,925 single), 12% ($11,926–$48,475), 22% ($48,476–$103,350), 24% ($103,351–$197,300), 32% ($197,301–$250,525), 35% ($250,526–$626,350), 37% (above $626,350). These are marginal rates. Use the Tax Bracket Calculator to find your effective rate.

The standard guideline: housing costs should not exceed 28% of gross monthly income and total debt should not exceed 36%. On $80,000/year, your maximum housing payment is about $1,867/month. Use the Mortgage Affordability Calculator for a precise figure based on your debts, down payment, and current rates.

Fidelity benchmarks: 1x salary by 30, 3x by 40, 6x by 50, 8x by 60, 10x by 67. Your actual target depends on desired lifestyle, Social Security benefits, and retirement age. Use the Retirement Calculator to model your scenario with different savings rates and return assumptions.

Self-employment tax for 2026 is 15.3% on net SE income up to $184,500 (12.4% Social Security + 2.9% Medicare), plus 0.9% Medicare surtax above $200,000 (single). You can deduct half of SE tax from gross income. Use the Self-Employment Tax Calculator for your exact bill.

Formula: M = P[r(1+r)^n] / [(1+r)^n - 1], where P = loan amount, r = monthly rate (annual rate / 12), n = total payments. Example: $400,000 at 6.5% for 30 years = $2,528/month. Use the Mortgage Calculator to include property tax, insurance, and PMI.

With $5,000 at 24% APR paying $150/month it takes over 4 years and costs $2,200+ in interest. Paying $250/month cuts that to under 2 years and saves $1,500. Use the Credit Card Payoff Calculator to see avalanche vs snowball strategies.

For 2026: $15,000 for single filers, $30,000 for married filing jointly, $22,500 for head of household. Add $1,600 (single) or $1,300 per spouse (MFJ) if age 65 or older. If your itemized deductions exceed the standard deduction, itemizing saves more.

$10,000 at 7% annually: 10 years = $19,672 | 20 years = $38,697 | 30 years = $76,123. Earlier dollars compound far longer. Starting at 25 vs 35 can mean $200,000+ in retirement savings. Use the Compound Interest Calculator to model your scenario.

California: highest rate at 13.3% + SDI 1.1%. Texas and Florida: no state income tax. New York: up to 10.9% state + NYC local up to 3.876%. Our Paycheck Calculator covers all 50 states. State-specific pages with local tax details are coming soon for California, Texas, New York, Florida and more.