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Every Calc365 calculator, grouped by what you are trying to work out. All 69 are free, run entirely in your browser, and show the steps behind the answer.

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69 calculators · Last reviewed

Taxes

9 Category overview

Estimate federal income tax, paycheck withholding, capital gains, self-employment tax, and more.

Income tax

Federal Income Tax Calculator Estimate your federal tax, effective and marginal rates, and whether you land on a refund or a balance due. Income tax · 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. Income tax · 2026

Paycheck and payroll

Take-Home Pay Calculator See what is left of a paycheck after federal tax, Social Security, Medicare, benefits, and retirement contributions. Paycheck and payroll · 2026 Payroll Tax Calculator Split FICA between the employee and the employer, and add FUTA to see the full cost of employing someone. Paycheck and payroll · 2026

Investment and capital gains

Capital Gains Tax Calculator Compare short-term and long-term treatment, apply losses, add the net investment income tax, and see after-tax proceeds. Investment and capital gains · 2026

Self-employment and business

Self-Employment Tax Calculator Estimate Schedule SE tax on business profit, the deductible half, and what to set aside each quarter. Self-employment and business · 2026

Sales tax

Sales Tax Calculator Add sales tax to a price, back it out of a tax-inclusive total, or work out the rate you were actually charged. Sales tax · 2026

Estate and gift

Estate Tax Calculator Estimate federal estate tax against the $15,000,000 exclusion, with deductions, lifetime gifts, and a deceased spouse's unused exclusion. Estate and gift · 2026 Gift Tax Calculator Work out how much you can give before anything is reportable, what comes off the lifetime exclusion, and whether a Form 709 is required. Estate and gift · 2026

Paycheck & Work

26 Category overview

Convert between hourly and salaried pay, price overtime and bonuses, and see what a job actually costs on either side of the offer.

Hourly and salary

Hourly to Salary Calculator Turn an hourly wage into weekly, biweekly, monthly, and annual pay, with overtime and unpaid time off accounted for. Hourly and salary Salary to Hourly Calculator Convert an annual salary to an hourly rate, and see the effective rate once paid holidays and vacation are counted. Hourly and salary 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. Hourly and salary

Overtime and bonuses

Overtime Pay Calculator Price overtime and double time for a pay period, including the regular-rate adjustment a nondiscretionary bonus forces. Overtime and bonuses Bonus Tax Calculator Estimate what will be withheld from a bonus under either method the IRS allows, and what should land in your account. Overtime and bonuses · 2026

Raises and pay planning

Pay Raise Calculator Turn a raise into what it means per paycheck, after tax, and after inflation — where a nominal increase can still be a real-terms cut. Raises and pay planning

Contracting and employer cost

1099 vs W-2 Calculator Compare a contract offer with an employed one once self-employment tax, benefits, and unbilled time are priced in. Contracting and employer cost · 2026 Employer Cost Calculator The full annual cost of employing someone: payroll taxes, insurance, retirement, overhead, and the cost per productive hour. Contracting and employer cost · 2026

State paycheck calculators

State Paycheck Calculators Every state paycheck calculator on the site in one place: which states are published, which levy no income tax, and which carry local taxes. State paycheck calculators · 2026 California Paycheck Calculator Estimate California take-home pay using the state's own 2026 withholding formula, with SDI, federal tax, and FICA alongside it. State paycheck calculators · 2026 Texas Paycheck Calculator Estimate Texas take-home pay for 2026 — no state income tax, so the arithmetic is federal tax, Social Security, and Medicare. State paycheck calculators · 2026 Florida Paycheck Calculator Estimate Florida take-home pay for 2026 — no state income tax and no local wage taxes, only the federal side of the ledger. State paycheck calculators · 2026 New York Paycheck Calculator Estimate New York take-home pay for 2026, including New York City resident tax and the Yonkers surcharge where they apply. State paycheck calculators · 2026 Illinois Paycheck Calculator Estimate Illinois take-home pay for 2026 under the 4.95% flat rate and the per-person exemption allowance. State paycheck calculators · 2026 Pennsylvania Paycheck Calculator Estimate Pennsylvania take-home pay for 2026: the 3.07% flat rate, your local earned income tax, and the 401(k) rule that surprises people. State paycheck calculators · 2026 New Jersey Paycheck Calculator Estimate New Jersey take-home pay for 2026 under the graduated schedules, with the exemptions and the 401(k)-but-not-125 rule applied. State paycheck calculators · 2026 Massachusetts Paycheck Calculator Estimate Massachusetts take-home pay for 2026 at the 5% rate, with the per-status exemptions and the 4% surtax where it applies. State paycheck calculators · 2026 North Carolina Paycheck Calculator Estimate North Carolina take-home pay for 2026 at the new 3.99% flat rate — down from 4.25% — with the standard deduction applied. State paycheck calculators · 2026 Georgia Paycheck Calculator Estimate Georgia take-home pay for 2026 at the 4.99% flat rate, with the raised standard deduction and $5,000 dependent deduction. State paycheck calculators · 2026 Washington Paycheck Calculator Estimate Washington take-home pay for 2026 — no income tax on wages, but PFML and WA Cares premiums do come out, and both are itemized. State paycheck calculators · 2026 Nevada Paycheck Calculator Estimate Nevada take-home pay for 2026 — the state constitution bans a tax on wages, so every withheld dollar is federal. State paycheck calculators · 2026 Tennessee Paycheck Calculator Estimate Tennessee take-home pay for 2026 — wages are constitutionally untaxed and the Hall tax is gone, so the paycheck side is all federal. State paycheck calculators · 2026 New Hampshire Paycheck Calculator Estimate New Hampshire take-home pay for 2026 — no tax on wages, and since 2025 no tax on interest and dividends either. State paycheck calculators · 2026 South Dakota Paycheck Calculator Estimate South Dakota take-home pay for 2026 — no state income tax and no local wage taxes, only the federal lines. State paycheck calculators · 2026 Wyoming Paycheck Calculator Estimate Wyoming take-home pay for 2026 — no state income tax, funded by minerals instead, so withholding is entirely federal. State paycheck calculators · 2026 Alaska Paycheck Calculator Estimate Alaska take-home pay for 2026 — no state income tax, with the one state line that does exist: employee-paid unemployment insurance. State paycheck calculators · 2026

Home & Mortgage

11 Category overview

Work out the real monthly cost of a house, the price your income supports, and how a mortgage balance falls.

Mortgage payments

Mortgage Calculator Estimate a full monthly payment including property tax, insurance, HOA dues, and mortgage insurance — not just principal and interest. Mortgage payments ARM Mortgage Calculator Model an adjustable-rate mortgage under your own rate scenario, with every cap applied and the worst case the contract allows. Mortgage payments

Affordability

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. Affordability Rent vs Buy Calculator Compare the full cost of renting and buying over the years you plan to stay, including equity, selling costs, and what invested cash would have earned. Affordability

Amortization

Amortization Calculator The complete payment-by-payment schedule for any fixed-rate loan: every payment split into interest and principal. Amortization Mortgage Extra Payment Calculator See how much sooner a mortgage clears and how much interest disappears when you pay extra towards the principal. Amortization

Refinancing and points

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. Refinancing and points Mortgage Points Calculator Whether buying down the rate pays for itself: cost, monthly saving, break-even month, and the net benefit over the years you stay. Refinancing and points

Property costs

Closing Costs Calculator Total the cash you need at closing, grouped the way a Loan Estimate groups it so the two can be compared line by line. Property costs PMI Calculator What private mortgage insurance costs each month, what it costs in total, and the two dates on which it can come off. Property costs

Home equity

Home Equity Calculator How much of the house is actually yours, your combined loan-to-value, and how much a lender might still lend against it. Home equity

Loans & Debt

10 Category overview

Find payments and total interest on money you borrow, and see how long a balance takes to clear.

Loans

Loan Calculator Find the payment on any fixed-rate loan, see the amortization schedule, and check what paying extra would save. Loans Auto Loan Calculator Estimate a car payment with sales tax, fees, a down payment, and a trade-in all accounted for. Loans APR Calculator Find the true annual percentage rate on a loan once origination fees and prepaid charges are counted, solved from the real cash flows. Loans Loan Comparison Calculator Put up to three loan offers side by side on payment, fees, total cost, APR, and payoff time — with a winner named for each measure. Loans

Credit cards and payoff

Credit Card Payoff Calculator Find out how long a card balance takes to clear, what the interest totals, and what paying extra would save. Credit cards and payoff Credit Card Minimum Payment Calculator See how long a balance takes to clear on minimum payments alone under your card's own formula, and what a fixed extra payment changes. Credit cards and payoff

Payoff strategies

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. Payoff strategies Debt Avalanche Calculator Attack the highest rate first — the mathematically cheapest order — and see exactly what it saves against paying the smallest balance first. Payoff strategies Debt Consolidation Calculator Compare several debts against one consolidation loan on both the monthly payment and the total cost — the two often disagree. Payoff strategies

Debt ratios

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. Debt ratios

Savings & Investing

13 Category overview

See what deposits and contributions grow to over time, and what a savings goal actually requires.

Savings and deposits

Savings Calculator Project what regular deposits grow to at your APY, split between the money you put in and the interest it earned. Savings and deposits CD Calculator Work out what a certificate of deposit is worth at maturity, and the APY that lets you compare offers fairly. Savings and deposits

Compounding and growth

Investment Calculator Project what regular investing could build, split between what you contribute and what growth adds. Compounding and growth Compound Interest Calculator See what a single deposit grows to over time, and how much compounding adds over simple interest. Compounding and growth Inflation Calculator Compare the value of money between any two years using published CPI-U data, or project what today's money will buy at a rate you choose. Compounding and growth

Goals

Savings Goal Calculator Work backwards from a target amount and a deadline to the deposit each period that actually gets you there. Goals FIRE Calculator Work out the portfolio your spending requires, how long current saving takes to build it, and where Coast and Barista FIRE fall along the way. Goals Savings Rate Calculator Measure what share of your income you actually save, on gross and on net, with and without employer contributions and debt principal. Goals

Retirement accounts

401(k) Calculator Project a 401(k) to retirement against the 2026 contribution limits, split between your money, the employer match, and growth. Retirement accounts · 2026 401(k) Employer Match Calculator Work out what your employer will match, what it takes to capture all of it, and what leaving some on the table costs by retirement. Retirement accounts · 2026 Retirement Calculator Project savings to retirement, the income they support, and whether the money lasts — with the withdrawal years modelled year by year. Retirement accounts Roth vs Traditional 401(k) Calculator Compare pre-tax and Roth contributions two ways — same dollars in, and same cost out of pocket — and find the tax rate where they are level. Retirement accounts Traditional vs Roth IRA Calculator Work out what you may contribute for 2026, how much of a traditional contribution is deductible at your income, and which account comes out ahead. Retirement accounts · 2026

Coming soon

These are not published yet, so they are listed here rather than mixed in above. Each is waiting on figures we can trace to an official IRS, SSA, or state revenue department publication — see our methodology. We do not publish a calculator, or announce a date for one, before its figures can be verified.

  • Tax Refund Calculator A refund-focused view of the federal return, in development.
  • Standard vs. Itemized Deduction Calculator Blocked on confirmation of the 2026 SALT deduction cap.
  • Quarterly Estimated Tax Calculator Form 1040-ES payment sizing, in development.
  • Property Tax Calculator Requires county-level millage rates, which are not yet sourced.
  • State Unemployment Tax Calculator Blocked on per-state 2026 SUTA rate schedules and taxable wage bases; the employer cost calculator asks for your assigned rate instead.

Every result on this site is an estimate based on the figures you enter. Tax calculators use official IRS and Social Security Administration data for the year shown; nothing here is tax, legal, or financial advice.