Free US tax & finance calculators

Free Tax & Finance Calculators

Calculate taxes, paychecks, mortgages, loans, and investments with clear step-by-step results — and the formula behind every figure.

Browse by category

Five categories, 69 calculators. Each one shows its working and cites the publication its figures come from.

9 calculators Taxes Estimate federal and state taxes Featured Federal Income Tax 26 calculators Paycheck & Work Understand salary and take-home pay Featured Hourly to Salary 11 calculators Home & Mortgage Plan your home financing Featured Mortgage 10 calculators Loans & Debt Compare payments and payoff plans Featured Loan 13 calculators Savings & Investing Project growth and returns Featured 401(k) 69 calculators All Calculators Browse the full catalogue in one list Includes Search and filters

Free to use Every calculator, every result. No paywall and no trial.
No sign-up No account, no email address, nothing to create.
Private in your browser Figures you type are never sent to a server or logged.
Official sources referenced IRS and SSA publications, with the review date on each page.

Featured calculators

Quickly find the calculator you need for taxes, income, housing, and investing.

Federal Income Tax Calculator Estimate your federal tax, effective and marginal rates, and whether you land on a refund or a balance due. Taxes · 2026 Take-Home Pay Calculator See what is left of a paycheck after federal tax, Social Security, Medicare, benefits, and retirement contributions. Taxes · 2026 State Income Tax Calculator Estimate 2026 state income tax and take-home pay for any published state, with the federal and payroll tax alongside it. Taxes · 2026 Payroll Tax Calculator Split FICA between the employee and the employer, and add FUTA to see the full cost of employing someone. Taxes · 2026 Self-Employment Tax Calculator Estimate Schedule SE tax on business profit, the deductible half, and what to set aside each quarter. Taxes · 2026 Hourly to Salary Calculator Turn an hourly wage into weekly, biweekly, monthly, and annual pay, with overtime and unpaid time off accounted for. Paycheck & Work Salary to Hourly Calculator Convert an annual salary to an hourly rate, and see the effective rate once paid holidays and vacation are counted. Paycheck & Work Biweekly Pay Calculator Work out gross and estimated net pay for a biweekly schedule, and which two months of the year carry a third paycheck. Paycheck & Work Overtime Pay Calculator Price overtime and double time for a pay period, including the regular-rate adjustment a nondiscretionary bonus forces. Paycheck & Work Bonus Tax Calculator Estimate what will be withheld from a bonus under either method the IRS allows, and what should land in your account. Paycheck & Work · 2026 Mortgage Calculator Estimate a full monthly payment including property tax, insurance, HOA dues, and mortgage insurance — not just principal and interest. Home & Mortgage Mortgage Affordability Calculator Estimate the home price your income supports under the 28/36 guideline — from income and debts to a budget, a loan, and a price. Home & Mortgage Amortization Calculator The complete payment-by-payment schedule for any fixed-rate loan: every payment split into interest and principal. Home & Mortgage Mortgage Extra Payment Calculator See how much sooner a mortgage clears and how much interest disappears when you pay extra towards the principal. Home & Mortgage Refinance Calculator Compare your current mortgage with a new one on payment, break-even month, and total cost over the years you expect to stay. Home & Mortgage Loan Calculator Find the payment on any fixed-rate loan, see the amortization schedule, and check what paying extra would save. Loans & Debt Auto Loan Calculator Estimate a car payment with sales tax, fees, a down payment, and a trade-in all accounted for. Loans & Debt Credit Card Payoff Calculator Find out how long a card balance takes to clear, what the interest totals, and what paying extra would save. Loans & Debt Debt-to-Income Ratio Calculator Your front-end and back-end DTI computed the way a lender computes it, against the 28%, 36%, and 43% guidelines. Loans & Debt Debt Snowball Calculator Clear the smallest balance first and roll each freed payment into the next, with the date you are debt free and what the order costs against the alternative. Loans & Debt 401(k) Calculator Project a 401(k) to retirement against the 2026 contribution limits, split between your money, the employer match, and growth. Savings & Investing · 2026 Retirement Calculator Project savings to retirement, the income they support, and whether the money lasts — with the withdrawal years modelled year by year. Savings & Investing Investment Calculator Project what regular investing could build, split between what you contribute and what growth adds. Savings & Investing Compound Interest Calculator See what a single deposit grows to over time, and how much compounding adds over simple interest. Savings & Investing Savings Calculator Project what regular deposits grow to at your APY, split between the money you put in and the interest it earned. Savings & Investing

View all 69 calculators

Why Calc365

Clear step-by-step results

Taxable income, tax by bracket, interest by year — the intermediate figures are on the page, with the formula that produced them.

Trusted data and sources

Tax figures are transcribed from IRS and SSA publications, with the year and review date on every page. Unconfirmed figures are left out, not guessed.

Private, browser-based calculations

Nothing you type is sent to a server or included in analytics. We never ask who you are, and we cannot see what you entered.

Common questions

Are Calc365 calculators free?

Yes. Every calculator is free to use, with no account, no sign-up, and no paywalled results. The site is supported by advertising.

Is anything I enter saved or sent anywhere?

No. Every calculation runs in your browser, and nothing you type is transmitted to a server, stored, or included in analytics. If you use a calculator's "copy link" button, your figures travel inside that link — so share it only with people you intend to see them.

Which tax year do the tax calculators use?

Tax year 2026. Rates, standard deductions, and thresholds come from IRS Rev. Proc. 2025-32 and the Social Security Administration wage base. Each calculator shows the tax year it applies and the date its figures were last reviewed.

Are the results tax or financial advice?

No. Every result is an estimate based on the figures you enter, for educational purposes. Real returns involve details no calculator captures. For advice about your own situation, speak to a qualified tax professional or financial adviser.

Where does the calculator data come from?

Primary government publications only — the IRS, the Social Security Administration, and state revenue departments. Where a figure could not be confirmed against one of those, it is excluded rather than estimated, and the calculator tells you when that affects your result. The sources page lists every figure used.

More detail on how figures are verified is on the methodology page, and every publication we use is listed under sources.