Calc365

All calculators

Every Calc365 calculator, grouped by what you are trying to work out. All 20 are free, run entirely in your browser, and show the steps behind the answer.

20 calculators · Last reviewed

Taxes

8 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

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

Home & Mortgage

3 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

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

Amortization

Amortization Calculator The complete payment-by-payment schedule for any fixed-rate loan: every payment split into interest and principal. Amortization

Loans & Debt

4 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

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

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

5 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

Goals

Savings Goal Calculator Work backwards from a target amount and a deadline to the deposit each period that actually gets you there. Goals

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.

  • State Income Tax Calculator Awaiting confirmation of 2026 rate schedules from each state revenue department.
  • 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.
  • 401(k) Calculator Requires confirmed 2026 contribution limits.
  • Roth vs. Traditional IRA Calculator Requires confirmed 2026 contribution and phaseout limits.

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.