Updated for Tax Year 2026

Finance & Tax Calculators

40+ free US financial calculators updated with official 2026 IRS data. Paycheck, mortgage, tax, retirement, investing and more.

40+
Calculators
2026
IRS Data
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Why Use Our Finance Calculators

Every financial calculator on this page uses the latest official data. Tax bracket calculators reflect current IRS rates. The paycheck calculator covers all 50 US states, including state income tax, Social Security, and Medicare deductions. The mortgage calculator produces a full amortization schedule, not just a monthly payment estimate.

Finance calculators work best when you use them together. Start with the paycheck calculator to find your real take-home pay, then use the budget calculator to allocate it, and the mortgage calculator to see how much house you can actually afford on that income.

All calculations run in your browser. No data is sent to our servers. Your salary, tax, and investment figures are never stored or shared.

Finance & Tax Questions
Common questions about US taxes, paycheck calculations, mortgages and retirement in 2026.
How do I calculate my take-home pay after taxes in 2026?
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.
What are the federal income tax brackets for 2026?
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.
How much house can I afford on my salary?
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.
How much should I have saved for retirement by age?
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.
What is the self-employment tax rate for 2026?
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.
How do I calculate monthly mortgage payments?
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.
How long will it take to pay off my credit card debt?
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.
What is the standard deduction for 2026?
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.
How does compound interest work and why does it matter?
$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.
Paycheck calculator for California, Texas, New York and Florida — what are the differences?
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.