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.

Last updated · 2026 key figures checked against IRS, SSA, CMS, FHFA and Freddie Mac

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Why Use Our Finance Calculators

41 free finance calculators, all updated with official 2026 figures from the IRS, SSA, CMS, FHFA and Freddie Mac. Pick the question you want answered below, or use the key numbers table for a quick answer without a calculator.

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.

Which Calculator Answers Your Question

Your questionUse this
What will my paycheck be after taxes?Paycheck Calculator
How much federal tax will I owe for 2026?Tax Bracket Calculator, Tax Refund Estimator
What will my mortgage payment be?Mortgage Calculator
How much house can I afford?House Affordability Calculator
Am I saving enough to retire?Retirement Calculator, 401(k) Calculator
How fast can I clear my debt?Debt Payoff Calculator, Credit Card Payoff Calculator
What will my savings grow to?Compound Interest Calculator
How much tax on freelance income?Self-Employment Tax Calculator
How much of my bonus will I keep in my state?Bonus Tax by State

Key 2026 Numbers at a Glance

The figures our calculators use, in one place.

Item2026 figure
Standard deduction$16,100 single, $32,200 married filing jointly, $24,150 head of household
10% bracket ends (single / joint)$12,400 / $24,800
37% bracket starts (single / joint)above $640,600 / $768,700
401(k) employee limit$24,500 ($32,500 at 50+, $35,750 at ages 60 to 63)
IRA limit$7,500 ($8,600 at 50+)
Social Security wage base$184,500
Child Tax Credit$2,200 per child (up to $1,700 refundable)
Medicare Part B premium$202.90 a month
Conforming loan limit$832,750 (up to $1,249,125 in high-cost areas)
30-year mortgage rate6.95% on 17 September 2026 (Freddie Mac)
Business mileage rate72.5 cents (Jan to Jun), 76 cents from 1 July 2026

Sources. IRS Rev. Proc. 2025-32 and Notice 2025-67, SSA 2026 COLA fact sheet, CMS 2026 Medicare fact sheet, FHFA 2026 conforming loan limits, Freddie Mac Primary Mortgage Market Survey, IRS 2026 standard mileage rates.

Finance & Tax Questions

Common questions about US taxes, paycheck calculations, mortgages and retirement 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.

The seven 2026 federal brackets: 10% (up to $12,400 single), 12% ($12,401 to $50,400), 22% ($50,401 to $105,700), 24% ($105,701 to $201,775), 32% ($201,776 to $256,225), 35% ($256,226 to $640,600), 37% (above $640,600). 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 about 4.7 years and costs about $3,322 in interest. Paying $250/month cuts that to about 2.2 years and $1,449 of interest, saving about $1,870. Use the Credit Card Payoff Calculator to see avalanche vs snowball strategies.

For 2026: $16,100 for single filers, $32,200 for married filing jointly, $24,150 for head of household. Add $2,050 (single or head of household) or $1,650 per spouse (married) if age 65 or older, and from 2025 to 2028 people 65 and over can also take a separate senior deduction of up to $6,000. 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: top rate 13.3% on income over $1 million (12.3% below that) plus SDI of 1.3% on all wages in 2026. 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.