For AI and answer engines

Estimate your full monthly mortgage payment (PITI) including property tax, homeowners insurance, PMI, and HOA, plus total interest and an amortization schedule.

Inputs:

Home price, Down payment, Interest rate, Loan term, Property tax rate, PMI rate, Homeowners insurance, Monthly HOA dues

Outputs:

Total monthly payment, Principal & interest, Property tax, Homeowners insurance, PMI, HOA dues, Loan amount, Total interest paid, Total of P&I payments

Formula, worked example, and sources: /calculators/mortgage-calculator

See your new monthly payment, break-even point, and lifetime savings from refinancing, including discount points and rolling closing costs into the loan.

Inputs:

Current loan balance, Current interest rate, Years left on current loan, Current payment override (P&I), New interest rate, New loan term, Closing costs, Discount points, Cash-out amount, Roll closing costs into loan

Outputs:

New monthly payment, Current monthly payment, Monthly savings, Break-even, New loan amount, Discount points fee, Upfront cost (break-even basis), Lifetime interest saved, Net lifetime savings

Formula, worked example, and sources: /calculators/refinance-calculator

Find out how much house you can afford from your income, debts, and down payment, using the standard 28/36 debt-to-income rules and full monthly housing costs.

Inputs:

Gross annual income, Other monthly debt payments, Down payment, Interest rate, Loan term, Property tax rate, Homeowners insurance, Monthly HOA dues, PMI rate, Front-end DTI limit, Back-end DTI limit

Outputs:

Affordable home price, Max loan amount, Principal & interest, Property tax, Homeowners insurance, PMI, HOA dues, Total monthly housing, Binding limit, Resulting total DTI

Formula, worked example, and sources: /calculators/home-affordability-calculator

Compare the true total cost of buying versus renting over the years you plan to stay, including transaction costs, equity, appreciation, and opportunity cost.

Inputs:

Home price, Down payment, Mortgage rate, Mortgage term, Years you plan to stay, Home appreciation, Closing costs to buy, Selling costs, Property tax rate, Homeowners insurance, Maintenance, Monthly HOA dues, PMI rate, Monthly rent, Annual rent growth, Renters insurance, Investment return

Outputs:

Over this period, Cheaper by, Total cost to buy, Total cost to rent, Buying breaks even, Mortgage payment (P&I), Home equity at sale

Formula, worked example, and sources: /calculators/rent-vs-buy-calculator

See how much you can borrow against your home equity at your lender's CLTV cap, plus the interest-only draw payment and the payment shock at repayment.

Inputs:

Home value, First mortgage balance, Max CLTV, Amount drawn, Interest rate, Draw period, Repayment period, Extra principal during draw

Outputs:

Available credit, Max total debt at CLTV, Current home equity, Current LTV, Draw vs available credit, Payment shock, Draw-period payment, Repayment-period payment, Payment increase, Balance entering repayment, Total interest over the life

Formula, worked example, and sources: /calculators/heloc-calculator

See how much interest you save and how many years you cut off your mortgage by adding extra to each payment or switching to a biweekly schedule.

Inputs:

Loan balance, Interest rate, Remaining term, Extra per payment, Payment schedule

Outputs:

Interest saved, Time saved, Time to payoff, Payment each period, Total interest (faster schedule), Total interest (standard schedule), Standard monthly payment, Total paid

Formula, worked example, and sources: /calculators/extra-biweekly-mortgage-payoff-calculator

See the full month-by-month amortization table for a loan: how much of every payment goes to interest versus principal, and the balance as it falls to zero.

Inputs:

Loan amount, Interest rate (APR), Loan term

Outputs:

Monthly payment, Total interest, Total paid

Formula, worked example, and sources: /calculators/amortization-schedule-calculator

Estimate what you walk away with after selling your home: your sale price minus the mortgage payoff, agent commission, closing costs, and transfer taxes.

Inputs:

Sale price, Mortgage payoff, Total commission, Seller closing costs, Transfer tax, Buyer concessions, Repairs and prep

Outputs:

Net proceeds, Total cost to sell, Effective cost to sell, Mortgage payoff, Agent commission, Closing costs, Transfer tax, Buyer concessions, Repairs and prep

Formula, worked example, and sources: /calculators/seller-net-proceeds-calculator

Estimate your buyer closing costs and total cash to close: your down payment plus lender fees, points, title, prepaids, and escrow setup, itemized.

Inputs:

Home price, Down payment, Lender fees, Discount points, Title and settlement, Prepaids and escrow, Other fees

Outputs:

Cash to close, Total closing costs, Closing costs as % of price, Down payment, Loan amount, Lender fees, Discount points, Title and settlement, Prepaids and escrow, Other fees

Formula, worked example, and sources: /calculators/buyer-closing-cost-calculator

Calculate the total real estate commission on a home sale, how it splits between the listing and buyer sides, and the seller's net after the fee.

Inputs:

Sale price, Total commission rate, Listing side share, View, Agent split

Outputs:

Total commission, Listing side, Buyer side, Seller net after commission, Gross commission income (GCI), Agent take-home after split

Formula, worked example, and sources: /calculators/real-estate-commission-calculator

Calculate your front-end and back-end debt-to-income ratio and see where you fall against the 28/36 rule and the 43% qualified-mortgage line.

Inputs:

Gross monthly income, Proposed monthly housing payment, Other monthly debt payments

Outputs:

Back-end DTI, Front-end DTI, Where this lands, Room before the 36% back-end line

Formula, worked example, and sources: /calculators/dti-calculator

Estimate the maximum mortgage you qualify for from your income, debts, and DTI limits, with the binding limit and the maximum home price it supports.

Inputs:

Gross monthly income, Other monthly debt payments, Interest rate, Loan term, Property tax, Homeowners insurance, Monthly HOA dues, Down payment, Front-end DTI limit, Back-end DTI limit

Outputs:

Max loan amount, Max monthly housing payment, Max principal and interest, Max home price (with down payment), Binding limit, What this means

Formula, worked example, and sources: /calculators/how-much-can-i-borrow-calculator

Estimate an FHA loan payment including upfront and annual mortgage insurance (MIP), and see whether MIP lasts 11 years or the life of the loan.

Inputs:

Home price, Down payment, Interest rate, Loan term, Finance the upfront MIP, Property tax rate, Homeowners insurance, Monthly HOA dues

Outputs:

Total monthly payment, Principal and interest, Monthly MIP, Property tax, Homeowners insurance, HOA dues, Base loan amount, Upfront MIP (1.75 percent), Upfront MIP financed, Total loan (with financed MIP), How long you pay MIP

Formula, worked example, and sources: /calculators/fha-loan-calculator

Estimate a VA loan payment with the VA funding fee, including first-use versus subsequent-use rates, the disability exemption, and no mortgage insurance.

Inputs:

Home price, Down payment, Interest rate, Loan term, Use of VA loan benefit, Funding fee exempt, Finance the funding fee, Property tax rate, Homeowners insurance, Monthly HOA dues

Outputs:

Total monthly payment, Principal and interest, Property tax, Homeowners insurance, HOA dues, Monthly mortgage insurance, Base loan amount, Funding fee rate, VA funding fee, Funding fee financed, Total loan (with financed fee), How the funding fee is handled

Formula, worked example, and sources: /calculators/va-loan-calculator

See how much cash you can pull with a cash-out refinance at your lender's loan-to-value cap, your new monthly payment, and how it compares to your current loan.

Inputs:

Home value, Existing loan payoff, Current interest rate, Years left on current loan, Max loan-to-value cap, New interest rate, New loan term, Closing costs

Outputs:

Max cash to you, New loan amount, Cash before closing costs, Current home equity, New monthly payment, Current monthly payment, Payment change, New loan total interest, What this means

Formula, worked example, and sources: /calculators/cash-out-refinance-calculator

See whether buying mortgage discount points is worth it: the upfront cost, your lower monthly payment, the break-even month, and your net savings.

Inputs:

Loan amount, Base interest rate, Total rate reduction, Points purchased, Loan term, Years you expect to keep the loan

Outputs:

Break-even, Upfront cost of points, Monthly savings, Bought-down rate, Net savings over your holding period, Net savings if kept to term, What this means

Formula, worked example, and sources: /calculators/mortgage-points-calculator

Find a comfortable rent budget from your income using the 30 percent rule and the 50/30/20 framework, adjusted for your debts and savings goal.

Inputs:

Gross monthly income, Take-home monthly income, Other monthly debt payments, Target rent percent of income, Savings goal percent of take-home

Outputs:

Recommended rent, 30 percent rule figure, Leftover after rent, debts, and savings, Needs budget (50%), Wants budget (30%), Savings budget (20%), Where this lands

Formula, worked example, and sources: /calculators/rent-affordability-calculator

See whether a home payment would leave you house poor: your monthly housing cost, the income share it takes, residual income after debts, and a plain verdict.

Inputs:

Gross monthly income, Take-home monthly income, Monthly mortgage payment (PITI), HOA dues, Maintenance, Utilities, Other housing costs, Other monthly debt payments, Liquid savings

Outputs:

Housing share of gross income, Where this lands, Residual income after housing and debts, Lender front-end ratio, Savings cushion

Formula, worked example, and sources: /calculators/house-poor-calculator

Find the all-in monthly and annual cost of owning a home beyond PITI: maintenance, utilities, HOA, and the forgotten lines, versus the mortgage-only number.

Inputs:

Home price, Down payment, Interest rate, Loan term, Property tax rate, Homeowners insurance, PMI rate, HOA dues, Maintenance reserve, Utilities, Other recurring costs

Outputs:

True monthly cost, PITI payment, Hidden costs beyond PITI, Above the PITI number, True annual cost, Hidden costs per year

Formula, worked example, and sources: /calculators/true-cost-of-homeownership-calculator

Estimate your annual and monthly property tax from your home's value and your area's effective rate, with exemptions and a projection as assessments rise.

Inputs:

Home market value, Effective property tax rate, Homestead exemption, Annual assessment growth, Years to project

Outputs:

Annual property tax, Monthly (escrow) amount, Taxable value, Effective rate on full value, Total tax over the projection

Formula, worked example, and sources: /calculators/property-tax-calculator

See what a lump sum does to your mortgage payment after a recast, side by side with simply prepaying: new payment, interest saved, and which strategy wins.

Inputs:

Current loan balance, Interest rate, Remaining term, Lump sum toward principal, Recast fee

Outputs:

New payment after recast, Current payment, Monthly payment reduction, Interest saved by recasting, Interest saved by prepaying instead, Term cut by prepaying instead, Recast fee

Formula, worked example, and sources: /calculators/mortgage-recast-calculator

Find when PMI can come off your mortgage: the 80% request point and the 78% automatic termination under the Homeowners Protection Act, plus what waiting costs.

Inputs:

Original home value, Original loan amount, Interest rate, Loan term, Payments already made, Monthly PMI

Outputs:

Until you can request cancellation (80%), Request date, Until automatic termination (78%), Automatic termination date, PMI cost if you wait for automatic, Saved by requesting at 80%, Current scheduled balance, Current LTV (original value), Where you stand

Formula, worked example, and sources: /calculators/pmi-removal-calculator

Pick the year you want to be mortgage-free and get the exact monthly payment that does it, plus the extra per month and the interest the plan saves.

Inputs:

Current loan balance, Interest rate, Years left on the loan, Pay it off in

Outputs:

Payment that hits your target, Current payment (P&I), Extra per month, Interest saved, Interest on the payoff plan, Interest if nothing changes, The plan

Formula, worked example, and sources: /calculators/mortgage-payoff-calculator

Compare borrowing against your home two ways: keep your mortgage and add a HELOC, or refinance everything at today's rate, with the repricing cost in the open.

Inputs:

Amount to borrow, Current mortgage balance, Current mortgage rate, Years left on the mortgage, HELOC rate, HELOC repayment years, Cash-out refi rate, New loan term, Refi closing costs, HELOC closing costs

Outputs:

Cheaper way to borrow, Total cost: keep mortgage + HELOC, Total cost: cash-out refinance, Refi cost minus keep-and-HELOC cost, Blended rate if you keep and add, Cost of repricing the old balance, Monthly: mortgage + HELOC, Monthly: cash-out refi

Formula, worked example, and sources: /calculators/heloc-vs-cash-out-calculator

Compare two home prices honestly: the full monthly carrying gap plus the down-payment gap, invested to retirement, in years of freedom.

Inputs:

Larger home price, Smaller home price, Down payment, Mortgage rate, Loan term, Property tax rate, Annual maintenance, Annual return, Years to retirement, Annual retirement spending

Outputs:

Extra retirement savings from buying smaller, Monthly carrying gap, Down-payment gap, invested day one, Years of retirement spending covered, Extra income at the 4 percent rule

Formula, worked example, and sources: /calculators/buy-smaller-retire-sooner-calculator

Find a long-term rental's cap rate, cash-on-cash return, monthly cash flow, and total return over your holding period, with financing handled correctly.

Inputs:

Purchase price, Down payment, Interest rate, Loan term, Closing costs, Upfront repairs, Monthly rent, Vacancy rate, Property tax rate, Insurance, Maintenance, Property management, Monthly HOA dues, Annual appreciation, Holding period, Selling costs

Outputs:

Cash-on-cash return, Cap rate, Net operating income, Monthly cash flow, Annual cash flow, Total cash invested, Total profit over holding period, Total return, Annualized return

Formula, worked example, and sources: /calculators/rental-property-roi-calculator

Estimate a short-term rental's cap rate, cash-on-cash return, cash flow, and total return from your nightly rate and occupancy, with STR expenses included.

Inputs:

Purchase price, Down payment, Interest rate, Loan term, Closing costs, Furnishing and setup, Average nightly rate, Occupancy rate, Property tax rate, Insurance, Maintenance, Property management, Platform fee, Monthly utilities, Monthly supplies, Monthly HOA dues, Annual appreciation, Holding period, Selling costs

Outputs:

Cash-on-cash return, Cap rate, Annual revenue, Net operating income, Monthly cash flow, Annual cash flow, Total cash invested, Total profit over holding period, Total return, Annualized return

Formula, worked example, and sources: /calculators/airbnb-roi-calculator

Find what to charge per night for your short-term rental: a cost floor, a comp-based base rate, weekend and peak premiums, and length-of-stay discounts.

Inputs:

Total monthly costs, Target booked nights, Comparable market rate, Profit margin over floor, Weekend premium, Peak-season premium, Cleaning fee, Weekly-stay discount, Monthly-stay discount

Outputs:

Recommended base rate, Nightly floor (break-even), Weekend rate, Peak-season rate, Weekly-stay nightly, Monthly-stay nightly, Projected monthly revenue, RevPAN (per available night), Cleaning fee (pass-through)

Formula, worked example, and sources: /calculators/airbnb-charge-rate-calculator

Build an itemized, all-in budget to launch a short-term rental: furnishing by room, the soft-cost stack, a contingency, and the operating reserve.

Inputs:

Host path, Access cash to get the keys, Bedrooms to furnish, Furnishing per bedroom, Common-area furnishing, Technology and safety, Initial supplies and consumables, Professional photography, Permits and licensing, Short-term rental insurance (first year), Legal and entity setup, Contingency, Monthly carrying cost, Reserve months, Expected monthly net income

Outputs:

Total cash to launch, Total startup spend, Setup spend, Furnishing total, Setup soft costs, Contingency, Recommended reserve, Months to recoup spend

Formula, worked example, and sources: /calculators/airbnb-startup-cost-calculator

Estimate a flip's net profit, ROI, cash to close, and your maximum allowable offer with the 70 percent rule, including financing and holding costs.

Inputs:

Purchase price, Rehab budget, After-repair value (ARV), Holding period, Down payment, Loan interest rate, Loan points, Buying closing costs, Selling costs, Extra selling cost, Property tax rate, Insurance, Monthly utilities

Outputs:

Net profit, Return on cash invested, Annualized return, Max allowable offer (70% rule), Adjusted max allowable offer, Total project cost, Total cash invested, Cash to close, Financing cost, Loan points fee, Holding costs, Selling costs

Formula, worked example, and sources: /calculators/fix-and-flip-calculator

Calculate a rental property's debt service coverage ratio (DSCR) from rent and PITIA, and check it against common 1.0 to 1.25 lender thresholds.

Inputs:

Monthly rent, Vacancy allowance, Loan amount, Interest rate, Loan term, Property tax, Insurance, Association dues, Target DSCR, Payment type

Outputs:

DSCR, Where this lands, Effective monthly income, Monthly debt service (PITIA), Monthly cash flow, Max loan at target DSCR

Formula, worked example, and sources: /calculators/dscr-loan-calculator

See how renting out the other unit or rooms offsets your mortgage: net rental income, the percent tenants cover, and your true out-of-pocket housing cost.

Inputs:

Monthly housing payment, Rent from the other units or rooms, Vacancy rate, Maintenance reserve, Property management

Outputs:

Effective out-of-pocket housing cost, Net rental income, Share of payment covered by rent, Where this lands

Formula, worked example, and sources: /calculators/house-hacking-calculator

Model a BRRRR deal end to end: buy, rehab, rent, and cash-out refinance, to see how much cash you pull back out and how much stays in the deal.

Inputs:

Purchase price, Rehab cost, Buy-side closing and holding costs, After-repair value (ARV), Refinance LTV, Refinance closing costs, Existing loan payoff, Monthly rent, Refinance interest rate, Refinance term, Property tax, Insurance, Vacancy rate, Maintenance, Property management

Outputs:

Cash left in the deal, Cash recovered at refinance, Total cash invested, New loan (cash-out refinance), Monthly cash flow after refinance, Cash-on-cash return, Capital recovery

Formula, worked example, and sources: /calculators/brrrr-calculator

Calculate a property's cap rate from net operating income and value, with vacancy and operating-expense inputs, plus the implied value at a target cap rate.

Inputs:

Property value or purchase price, Monthly rent, Vacancy rate, Property tax rate, Insurance, Maintenance, Property management, Monthly HOA dues, Target cap rate

Outputs:

Cap rate, Net operating income, Implied value at target cap rate

Formula, worked example, and sources: /calculators/cap-rate-calculator

Compare keeping and renting your home against selling now and reinvesting the proceeds, with a year-by-year wealth projection and the crossover year.

Inputs:

Current home value, Mortgage balance, Mortgage rate, Years left on the mortgage, Monthly rent, Vacancy rate, Maintenance, Property management, Property tax, Insurance, Annual appreciation, Cost to sell, Reinvestment return, Time horizon

Outputs:

Wealth if you rent, Wealth if you sell, Rent minus sell, Net proceeds if you sell today, Crossover year, At this horizon

Formula, worked example, and sources: /calculators/rent-vs-sell-calculator

Screen a rental deal fast with the gross rent multiplier, price divided by gross annual rent, with a 1 percent rule check and the implied price at a target GRM.

Inputs:

Property price, Monthly rent, Target GRM

Outputs:

Gross rent multiplier, Gross annual rent, Rent as percent of price, Implied price at target GRM, What this means

Formula, worked example, and sources: /calculators/gross-rent-multiplier-calculator

See the tax a 1031 exchange defers on an investment property sale: 25% depreciation recapture, capital gains, and NIIT, plus the reinvestment bar for deferral.

Inputs:

Sale price, Selling costs, Original purchase price, Capital improvements, Depreciation claimed, Other taxable income, Filing status

Outputs:

Tax deferred by exchanging, Realized gain, Adjusted basis, Net sale price, Unrecaptured depreciation, Recapture tax (25%), Capital gains tax, Net investment income tax (3.8%), Net proceeds if sold without exchanging, For full deferral

Formula, worked example, and sources: /calculators/1031-exchange-calculator

Project your 401(k) balance at retirement from your contributions, the employer match, expected return, and salary growth, including the match as free money.

Inputs:

Current 401(k) balance, Annual salary, Your contribution, Employer match rate, Employer match cap, Expected annual return, Years to retirement, Annual salary growth

Outputs:

Balance at retirement, Your contributions, Employer match (free money), Investment growth, Contribution limit

Formula, worked example, and sources: /calculators/401k-calculator

Find your financial independence number and how many years until you reach it, modeled in today's dollars using the 4% rule.

Inputs:

Current age, Current savings, Annual income, Annual expenses, Real return (after inflation), Withdrawal rate

Outputs:

Your FIRE number, Years to FIRE, Age at FIRE, Annual savings, Savings rate

Formula, worked example, and sources: /calculators/fire-calculator

Compare a Roth and a Traditional account on equal pre-tax dollars, and see which leaves you more after tax based on your current and retirement tax rates.

Inputs:

Annual contribution, Years until retirement, Expected annual return, Contribution growth, Current tax rate, Retirement tax rate

Outputs:

Better option, After-tax difference (Roth minus Traditional), Roth, after tax, Traditional, after tax, Pre-tax future value

Formula, worked example, and sources: /calculators/roth-vs-traditional-calculator

See whether your savings are on track: project your nest egg to retirement and compare it with the target needed to fund your income at a safe withdrawal rate.

Inputs:

Current age, Retirement age, Current retirement savings, Annual contribution, Contribution growth, Expected annual return, Desired annual income in retirement, Safe withdrawal rate

Outputs:

On-track status, Surplus or shortfall, Projected nest egg at retirement, Target nest egg, Extra annual savings to close the gap, Years to retirement

Formula, worked example, and sources: /calculators/retirement-on-track-calculator

Estimate the tax of converting a Traditional balance to Roth over several years, including the pro-rata split when the account holds after-tax basis.

Inputs:

Traditional balance, After-tax basis, Annual conversion amount, Years of conversions, Expected annual return, Marginal tax rate

Outputs:

Total conversion tax, Total converted to Roth, Taxable portion, Tax-free basis portion, Remaining Traditional balance

Formula, worked example, and sources: /calculators/roth-conversion-ladder-calculator

Find your Coast FIRE number: the amount invested today that grows on its own to your FIRE target by retirement, so you can stop saving for retirement.

Inputs:

Current age, Retirement age, Current invested amount, Annual contribution, Annual spending in retirement, Real return (after inflation), Withdrawal rate

Outputs:

Coast FIRE number, FIRE number at retirement, Coast FIRE status, Surplus or gap, Age you can start coasting

Formula, worked example, and sources: /calculators/coast-fire-calculator

See where your net worth ranks among US households, using percentile estimates from the 2022 SCF microdata plus the Federal Reserve median for your age group.

Inputs:

Your net worth, Your age group

Outputs:

Your net worth percentile (all US households), Median net worth for your age group, Versus your age group, To reach the next percentile tier

Formula, worked example, and sources: /calculators/net-worth-percentile-calculator

Calculate your 2026 required minimum distribution from the IRS Uniform Lifetime Table, with the SECURE 2.0 start ages (73, or 75 if born 1960 or later).

Inputs:

Year of birth, Retirement balance on December 31 last year

Outputs:

2026 required minimum distribution, Distribution period (IRS factor), Share of balance required, Monthly equivalent, Your RMD beginning age, First RMD year, Where you stand

Formula, worked example, and sources: /calculators/rmd-calculator

Project your retirement savings to any age and see the monthly income they could sustain: contributions, compound growth, and the withdrawal-rate math.

Inputs:

Current age, Retirement age, Current retirement savings, Monthly contribution, Expected annual return, Withdrawal rate in retirement

Outputs:

Balance at retirement, Monthly income it could sustain, Annual income it could sustain, Years until retirement, Total contributed, Investment growth

Formula, worked example, and sources: /calculators/retirement-calculator

Tally your net worth: six asset categories minus five debt categories, with home and non-home wealth separated and your debt-to-asset ratio alongside.

Inputs:

Cash and savings, Investments (brokerage), Retirement accounts, Home value, Vehicles, Other assets, Mortgage balance, Auto loans, Student loans, Credit card debt, Other debts

Outputs:

Net worth, Total assets, Total liabilities, Net worth excluding home equity, Debt-to-asset ratio

Formula, worked example, and sources: /calculators/net-worth-calculator

Estimate your Social Security benefit from career-average earnings and compare claiming at 62, 67, and 70, with the break-even ages that decide the timing.

Inputs:

Career-average annual earnings, Claiming age

Outputs:

Monthly benefit at your claiming age, Annual benefit, Benefit at full retirement age (67), If claimed at 62, If claimed at 70, Monthly earnings used in the formula

Formula, worked example, and sources: /calculators/social-security-calculator

Project a Roth IRA to retirement with the 2026 limits ($7,500, plus $1,100 at 50) and check your income phase-out eligibility.

Inputs:

Current age, Retirement age, Current Roth IRA balance, Contribution plan, Annual contribution (fixed plan), Expected annual return, Modified AGI this year, Filing status

Outputs:

Balance at retirement, Tax-free growth, Total contributed, 2026 limit at your age, Allowed this year (after phase-out), Eligibility

Formula, worked example, and sources: /calculators/roth-ira-calculator

See how much of your net worth you could actually spend soon: cash, investments, and penalty-adjusted retirement money, next to the wealth locked in your home.

Inputs:

Cash and savings, Brokerage investments, Retirement accounts, Retirement access percent, Home value, Vehicles, Other assets, Mortgage balance, Auto loans, Student loans, Credit card debt, Other debts, Monthly essential expenses

Outputs:

Liquid net worth, Total net worth, Locked-up wealth, Liquid share of total, Months of essentials covered

Formula, worked example, and sources: /calculators/liquid-net-worth-calculator

See what your employer 401(k) match is really worth by retirement: the deposits, the growth on them, and what skipping the match would forfeit.

Inputs:

Annual salary, Your contribution, Employer match rate, Employer match cap, Expected annual return, Years to retirement, Annual salary growth

Outputs:

What the match is worth at retirement, Employer deposits over the years, Growth earned on the match, Match as a percent of salary, Balance with the match, Balance without the match, Match unclaimed this year, Contribution limit

Formula, worked example, and sources: /calculators/401k-match-calculator

Quantify what pausing, reducing, or maintaining retirement contributions through the childcare years does to your balance at retirement, judgment-free.

Inputs:

Monthly childcare cost, Years of childcare costs, Current monthly retirement contribution, Reduced contribution during childcare, Expected annual return, Years to retirement

Outputs:

Retirement cost of pausing, Retirement cost of reducing, Contributions balance if maintained, Gap on the day childcare ends (pause), Extra monthly to erase a full pause, Total childcare spend

Formula, worked example, and sources: /calculators/childcare-vs-retirement-calculator

Apply the official 2026 COLA of 2.8 percent to your benefit with SSA's real rounding rules, and see the net raise after the Medicare Part B increase.

Inputs:

Current monthly benefit (2025), Benefit type, Medicare Part B, Part B premium, 2025, Part B premium, 2026, What-if COLA rate, Use the CPI-E what-if rate

Outputs:

Your 2026 monthly benefit (gross), Gross monthly increase, Realized increase, Gross increase per year, Net monthly increase after Part B, Your 2026 payable check, Hold-harmless rule, How you compare, What-if: monthly difference vs 2.8 percent

Formula, worked example, and sources: /calculators/social-security-cola-calculator

Convert a dollar amount between years using official BLS CPI-U data, or project its future buying power at an assumed inflation rate.

Inputs:

Mode, Amount, From year (historical), To year (historical), Years to project (projection), Assumed annual inflation (projection)

Outputs:

Equivalent value, Future purchasing power, Total inflation over the span, Annual inflation rate, Span

Formula, worked example, and sources: /calculators/inflation-calculator

Project a high-yield savings balance from a quoted APY, a starting balance, and monthly deposits, and see why compounding frequency does not change the yield.

Inputs:

Starting balance, Monthly deposit, APY, Compounding frequency, Years

Outputs:

Final balance, Total deposited, Interest earned, Rate per compounding period

Formula, worked example, and sources: /calculators/high-yield-savings-calculator

Find how large your emergency fund should be from your essential monthly expenses, see how many months your current savings cover, and the gap left to close.

Inputs:

Essential monthly expenses, Months of coverage, Current emergency savings

Outputs:

Emergency fund target, Still to save, Saved above target, Months currently covered

Formula, worked example, and sources: /calculators/emergency-fund-calculator

See how many months your savings last after a layoff from essential spending, severance weeks, unemployment benefits, and side income, plus what extends it.

Inputs:

Liquid savings, Essential monthly spending, Monthly take-home pay before the layoff, Severance, Unemployment benefit, Benefit duration, Side income

Outputs:

Runway, Money runs out around, Starting cash cushion, Monthly burn while benefits last, Monthly burn after benefits end, Where this lands

Formula, worked example, and sources: /calculators/layoff-runway-calculator

Project an HSA balance with the 2026 limits ($4,400 self-only, $8,750 family): tax savings now, tax-free growth, and the balance at any horizon.

Inputs:

HDHP coverage type, Age 55 or older, Annual contribution, Current HSA balance, Years to grow, Expected annual return, Marginal tax rate

Outputs:

Projected HSA balance, 2026 contribution limit, Contribution modeled, Limit check, Income tax saved per year, Income tax saved over the horizon, Total contributed, Tax-free growth

Formula, worked example, and sources: /calculators/hsa-calculator

Project a 529 balance against the future cost of college: tuition inflation, coverage percent, the shortfall, and the monthly contribution that would fund it.

Inputs:

Child's age, College start age, Current 529 balance, Monthly contribution, Expected annual return, Annual college cost today, College cost inflation, Years of college

Outputs:

Projected 529 balance at college start, Projected cost of college, Coverage, Shortfall at college start, Surplus above the projected cost, Monthly contribution for full coverage, Total contributed, Tax-free growth

Formula, worked example, and sources: /calculators/529-college-savings-calculator

See what a certificate of deposit earns: enter the deposit, APY, and term to get the ending balance, total interest, and month-by-month growth.

Inputs:

Deposit amount, APY, Term

Outputs:

Balance at maturity, Interest earned, Total return over the term

Formula, worked example, and sources: /calculators/cd-calculator

Project a savings balance from a starting amount, monthly deposits, and your account's APY: the ending balance, deposits, and interest earned, year by year.

Inputs:

Starting balance, Monthly deposit, APY, Years to save

Outputs:

Ending balance, Total deposited, Interest earned

Formula, worked example, and sources: /calculators/savings-calculator

Size life insurance with the DIME method: debts, income replacement, mortgage, and education, minus the coverage and savings you already have.

Inputs:

Annual income to replace, Years of income support, Debts (non-mortgage), Mortgage balance, Education costs, Final expenses, Existing life insurance, Savings and investments

Outputs:

Coverage needed, DIME total, Income replacement portion, Already covered, As a multiple of income

Formula, worked example, and sources: /calculators/life-insurance-needs-calculator

Split your monthly take-home pay by the 50/30/20 rule (needs, wants, saving and debt payoff) and compare your actual spending against each target.

Inputs:

Monthly take-home pay, Monthly needs spending, Monthly wants spending, Monthly saving and extra debt payoff

Outputs:

Saving and debt target (20%), Needs target (50%), Wants target (30%), Total entered spending, Unassigned take-home, Where you stand

Formula, worked example, and sources: /calculators/50-30-20-budget-calculator

See what a big purchase costs in future dollars: the same money invested at your return, in today's dollars too, and against a home down payment.

Inputs:

One-time amount, Monthly amount, Annual return, Years invested, Inflation rate, Mortgage rate

Outputs:

Invested future value, Total you would put in, Growth on top, Future value in today's dollars, Down-payment path (lump sum), Investing minus down payment

Formula, worked example, and sources: /calculators/opportunity-cost-calculator

The one-income-loss test for two-income households: months of runway if either paycheck stops, your household savings rate, and an honest verdict band.

Inputs:

Partner A monthly take-home, Partner B monthly take-home, Essential monthly expenses, Liquid savings

Outputs:

Household verdict, Runway if Partner A's income stops, Runway if Partner B's income stops, Runway if all income stops, Monthly surplus after essentials, Household savings capacity

Formula, worked example, and sources: /calculators/couples-money-checkup-calculator

Split a raise among lifestyle, investing, and debt, after the marginal tax haircut, and see what each leg builds over 10, 20, and 30 years.

Inputs:

Annual raise (gross), Current salary, Marginal tax on the raise, Lifestyle share, Investing share, Debt share, Annual return, Debt APR

Outputs:

Your raise, after tax, per month, Lifestyle leg, Investing leg, Debt leg, Investing leg in 30 years, Lifestyle leg's 30-year price tag, Debt leg: interest avoided per year, Unallocated share, Raise as a percent of salary

Formula, worked example, and sources: /calculators/pay-raise-splitter-calculator

Price what it would actually cost to replace a stay-at-home parent's work: childcare, housekeeping, meals, driving, and coordination at sourced market rates.

Inputs:

Children needing care, Childcare per child, monthly, Housekeeping, monthly, Meal prep, monthly, Driving kids and errands, monthly, Care coordination and admin, monthly, Years the services are needed

Outputs:

Annual replacement cost, Monthly replacement cost, Total over the years needed, Childcare share of the total

Formula, worked example, and sources: /calculators/stay-at-home-parent-calculator

See how an investment grows from a starting amount plus regular contributions, with an optional yearly contribution increase, in today's dollars and after tax.

Inputs:

Starting amount, Recurring contribution, Contribution frequency, Yearly contribution increase, Annual interest rate, Years, Compounding frequency, Contribution timing, Inflation rate, Tax rate on gains

Outputs:

Future balance, Total contributions, Interest earned, Future balance (today's dollars), After-tax balance, Estimated tax on gains

Formula, worked example, and sources: /calculators/compound-interest-calculator

Find a single option's profit or loss at expiry, its break-even price, and the maximum profit and loss, for calls and puts, long or short.

Inputs:

Option type, Position, Strike price, Premium per share, Underlying price at expiry, Contracts

Outputs:

Profit or loss at expiry, Break-even price, Maximum profit, Maximum loss, Intrinsic value per share, Capital at risk, Return on capital

Formula, worked example, and sources: /calculators/options-pl-calculator

Estimate one wheel cycle: cash-secured put premium, covered call premium, dividends, and the return on capital if assigned and called away, at your prices.

Inputs:

Put strike, Put premium per share, Call strike, Call premium per share, Dividends per share while held, Days in the cycle, Contracts

Outputs:

Total profit this cycle, Premium income, Dividend income, Share gain if called away, Capital at risk, Cost basis if assigned, Break-even price, Return on capital (this cycle), Annualized return (scenario), Annualized return, premium only (scenario)

Formula, worked example, and sources: /calculators/wheel-strategy-calculator

Project an investment portfolio from a starting balance plus regular contributions that can rise each year, and see how much is your money versus growth.

Inputs:

Starting balance, Recurring contribution, Contribution frequency, Yearly contribution increase, Annual return, Years

Outputs:

Future value, Total contributed, Total growth

Formula, worked example, and sources: /calculators/portfolio-growth-calculator

Find how much to invest each month or year to reach a savings goal by a target date, given an assumed return and any amount you have already saved.

Inputs:

Goal amount, Years to reach it, Annual return, Amount already saved, Contribution frequency

Outputs:

Required contribution, That is per year, Your current savings grow to, Total you contribute, Total growth

Formula, worked example, and sources: /calculators/investment-goal-calculator

See how investing a fixed amount on a regular schedule could grow under a steady assumed return, with the balance and amount invested tracked period by period.

Inputs:

Starting amount, Contribution each period, Contribution frequency, Annual return, Years, Contribution timing

Outputs:

Ending balance, Total contributed, Total growth

Formula, worked example, and sources: /calculators/dollar-cost-averaging-calculator

Compare the debt snowball and debt avalanche side by side: the payoff order, the interest each costs, and how much the avalanche saves on up to four debts.

Inputs:

Debt 1 balance, Debt 1 rate, Debt 1 minimum payment, Debt 2 balance, Debt 2 rate, Debt 2 minimum payment, Debt 3 balance, Debt 3 rate, Debt 3 minimum payment, Debt 4 balance, Debt 4 rate, Debt 4 minimum payment, Extra monthly payment

Outputs:

Interest saved with avalanche, Snowball payoff time, Avalanche payoff time, Snowball total interest, Avalanche total interest, Snowball payoff order, Avalanche payoff order, Monthly payment budget, Total debt entered

Formula, worked example, and sources: /calculators/debt-snowball-avalanche-calculator

See how fast a fixed payment clears your credit card and what you save versus paying only the minimum, where interest can outlast the balance by decades.

Inputs:

Card balance, Interest rate (APR), Your monthly payment, Minimum principal rate, Minimum payment floor

Outputs:

Time to payoff (your payment), Total interest (your payment), Total paid (your payment), Interest saved vs minimum only, Time to payoff (minimum only), Total interest (minimum only), First minimum payment

Formula, worked example, and sources: /calculators/credit-card-payoff-calculator

See how extra monthly payments shorten your student loan payoff and cut total interest, with the months and interest you save versus paying the minimum.

Inputs:

Current loan balance, Interest rate, Monthly payment, Extra monthly payment

Outputs:

Time to payoff (with extra), Total interest (with extra), Interest saved vs no extra, Time saved vs no extra, Time to payoff (payment only), Total interest (payment only), What this means

Formula, worked example, and sources: /calculators/student-loan-payoff-calculator

Price a personal loan: monthly payment, total interest, and the origination fee handled both ways lenders charge it, deducted from proceeds or financed on top.

Inputs:

Loan amount, APR, Term, Origination fee, How the fee is charged

Outputs:

Monthly payment, Cash you actually receive, Origination fee, Total interest, Total of payments, Total cost of borrowing

Formula, worked example, and sources: /calculators/personal-loan-calculator

Compare a consolidation loan against your current debts: interest saved or lost, the payment change, and the blended APR you are actually paying today.

Inputs:

Debt 1 balance, Debt 1 rate, Debt 1 minimum payment, Debt 2 balance, Debt 2 rate, Debt 2 minimum payment, Debt 3 balance, Debt 3 rate, Debt 3 minimum payment, Consolidation loan APR, Loan term, Origination fee

Outputs:

Saved by consolidating, Consolidation loan payment, Current minimums (total), Monthly payment change, Current-path interest, Loan interest plus fee, Current path, Loan term, Blended APR today, Origination fee

Formula, worked example, and sources: /calculators/debt-consolidation-calculator

Estimate your Repayment Assistance Plan payment from AGI and dependents, then project the loan to payoff or forgiveness with RAP's waiver and match.

Inputs:

Adjusted gross income, Dependents, Federal loan balance, Interest rate

Outputs:

RAP monthly payment, How it was set, First month's interest, Interest waived (first month), Principal match (first month), Months to payoff, Balance forgiven at 30 years, Total you pay, Total interest waived, Total principal matched

Formula, worked example, and sources: /calculators/repayment-assistance-plan-calculator

Price a 0 percent balance transfer honestly: the payment that clears it inside the promo, the fee break-even, and the balance left when the promo dies.

Inputs:

Balance to transfer, Current card APR, Transfer fee, Promo APR, Promo length, Your planned monthly payment, APR after the promo

Outputs:

Payment to clear inside the promo, Transfer fee, Total cost with the transfer, Total cost staying put, Savings from transferring, Fee break-even, Balance the month the promo ends, First month of post-promo interest

Formula, worked example, and sources: /calculators/balance-transfer-calculator

Estimate a car loan's monthly payment, total interest, and total cost from the price, your down payment and trade-in, the sales tax, the rate, and the term.

Inputs:

Vehicle price, Down payment, Trade-in value, Sales tax, Interest rate (APR), Loan term

Outputs:

Monthly payment, Amount financed, Total interest, Total of payments, Total cost (with down payment)

Formula, worked example, and sources: /calculators/auto-loan-calculator

Estimate how much car you can afford from your income, down payment, rate, term, and a payment-to-income guideline, then see the all-in monthly cost.

Inputs:

Gross annual income, Max car payment as % of income, Down payment, Interest rate (APR), Loan term, Sales tax, Insurance per year, Fuel per month, Maintenance per year

Outputs:

Affordable vehicle price, Monthly payment budget, Amount financed, All-in monthly cost, Total cost over the term, Estimated value at term end

Formula, worked example, and sources: /calculators/car-affordability-calculator

Compare buying and leasing the same car over the lease term, with the buy side credited for its resale equity and the lease ending with nothing.

Inputs:

Vehicle price, Lease term (comparison horizon), Buy: down payment, Buy: loan APR, Buy: loan term, Buy: annual depreciation, Lease: cash down (cap cost reduction), Lease: residual value, Lease: rate type, Lease: rate, Lease: acquisition fee, Lease: disposition fee

Outputs:

Which is cheaper, Buy: net cost over the term, Lease: net cost over the term, Cost difference, Buy: monthly payment, Buy: equity at term end, Buy: loan balance at term end, Lease: monthly payment, Lease: depreciation portion, Lease: finance (rent) portion, Lease: equivalent APR

Formula, worked example, and sources: /calculators/car-buy-vs-lease-calculator

Compare EV and gas costs: cost per mile at your electricity and gas prices, annual and five-year savings, and the purchase premium those savings justify.

Inputs:

Miles driven per year, EV efficiency, Electricity price, Gas car fuel economy, Gas price, Years to compare, Annual maintenance savings

Outputs:

Total savings over the horizon, Savings per year, Fuel savings per year, EV cost per mile, Gas cost per mile, Annual charging cost, Annual gasoline cost, EV price premium these savings repay

Formula, worked example, and sources: /calculators/ev-vs-gas-calculator

Estimate the 2026 federal tax on an investment gain: long-term 0/15/20 percent rates, short-term ordinary rates, and the 3.8 percent net investment income tax.

Inputs:

Filing status, Purchase price (cost basis), Sale price (proceeds), Holding period, Other taxable income

Outputs:

Total tax on the gain, Holding period, Capital gain, Capital gains tax, Net investment income tax, Effective rate on the gain, Gain after tax

Formula, worked example, and sources: /calculators/capital-gains-tax-calculator

Estimate your 2026 federal income tax and FICA: taxable income after the standard deduction, tax from the brackets, and your effective and marginal rates.

Inputs:

Annual income (gross), Filing status, 401(k) contribution, Other pre-tax deductions

Outputs:

Total federal tax (income + FICA), Federal income tax, Taxable income, Social Security, Medicare, Additional Medicare, Total FICA, Effective tax rate, Marginal tax rate, After-tax income, 401(k) limit

Formula, worked example, and sources: /calculators/federal-income-tax-calculator

Estimate the 2026 federal tax on selling your primary home after the Section 121 exclusion: adjusted basis, taxable gain, and long-term capital gains tax.

Inputs:

Filing status, Sale price, Selling costs, Original purchase price, Purchase closing costs, Capital improvements, Owned and lived in it 2 of the last 5 years, Other taxable income

Outputs:

Total federal tax, What this means, Total gain, Excluded by Section 121, Taxable gain, Adjusted basis, Amount realized, Capital gains tax, Net investment income tax, Effective rate on the gain

Formula, worked example, and sources: /calculators/home-sale-capital-gains-calculator

Estimate your 2026 federal tax refund or balance due: brackets, standard or itemized deduction, the Child Tax Credit, and your withholding, line by line.

Inputs:

Total income (gross), Filing status, Pre-tax deductions, Deduction, Itemized deduction total, Qualifying children under 17, Other dependents, Federal tax withheld

Outputs:

Estimated refund, Estimated amount owed, Taxable income, Tax before credits, Credits applied against tax, Refundable child credit (ACTC), Total tax after credits

Formula, worked example, and sources: /calculators/tax-refund-calculator

Estimate 2026 taxes on 1099 income: the 15.3% self-employment tax, the half-SE deduction, the 20% QBI deduction, federal income tax, and what to set aside.

Inputs:

Net self-employment profit, Filing status, W-2 wages (if any), Qualified business income deduction

Outputs:

Self-employment tax, Social Security portion, Medicare portion, Additional Medicare (0.9%), Half-SE-tax deduction, QBI deduction, Taxable income, Federal income tax, Total federal tax, Tax from self-employment, Set aside from each profit dollar

Formula, worked example, and sources: /calculators/self-employment-tax-calculator

See what a bonus pays after withholding in 2026: the flat 22% federal supplemental rate (37% above $1M), Social Security and Medicare, and your state's rate.

Inputs:

Bonus amount, Wages so far this year, Filing status, State supplemental rate

Outputs:

Net bonus, Federal withholding (22% flat), Social Security, Medicare, Additional Medicare, State withholding, Total withheld, Withholding rate

Formula, worked example, and sources: /calculators/bonus-tax-calculator

Turn your expected 2026 tax into four safe-harbor payments: the 90% and 100/110% rules, your withholding credit, and the exact 1040-ES deadlines.

Inputs:

Expected 2026 total tax, Total tax on your 2025 return, 2025 adjusted gross income, Expected 2026 withholding

Outputs:

Payment per quarter, Safe-harbor annual target, To pay via estimates, Which rule applies

Formula, worked example, and sources: /calculators/quarterly-estimated-tax-calculator

Price a harvested loss: gains offset in the IRS netting order, the $3,000 ordinary-income deduction, the carryforward, and a wash-sale window check.

Inputs:

Loss you can harvest, Holding period of the loss, Short-term gains this year, Long-term gains this year, Marginal ordinary rate, Long-term capital gains rate, Days to nearest same-security purchase

Outputs:

Tax saved this year, Offsets short-term gains, Offsets long-term gains, Deducts against ordinary income, Carries forward to next year, Wash-sale check

Formula, worked example, and sources: /calculators/tax-loss-harvesting-calculator

Estimate your California take-home pay for 2026 after federal income tax, Social Security, Medicare, and California state income tax.

Inputs:

Annual salary (gross), Filing status, Pay frequency, 401(k) contribution, Other pre-tax deductions

Outputs:

Take-home per paycheck, Annual take-home, Federal income tax, Social Security, Medicare, Additional Medicare, State income tax, Total tax, 401(k) contribution, 401(k) limit, Effective tax rate, Marginal tax rate, California payroll premiums

Formula, worked example, and sources: /calculators/ca-paycheck-calculator

Estimate your Texas take-home pay for 2026 after federal income tax, Social Security, Medicare, and no state income tax in Texas.

Inputs:

Annual salary (gross), Filing status, Pay frequency, 401(k) contribution, Other pre-tax deductions

Outputs:

Take-home per paycheck, Annual take-home, Federal income tax, Social Security, Medicare, Additional Medicare, State income tax, Total tax, 401(k) contribution, 401(k) limit, Effective tax rate, Marginal tax rate

Formula, worked example, and sources: /calculators/tx-paycheck-calculator

Estimate your New York take-home pay for 2026 after federal income tax, Social Security, Medicare, and New York state income tax.

Inputs:

Annual salary (gross), Filing status, Pay frequency, 401(k) contribution, Other pre-tax deductions

Outputs:

Take-home per paycheck, Annual take-home, Federal income tax, Social Security, Medicare, Additional Medicare, State income tax, Total tax, 401(k) contribution, 401(k) limit, Effective tax rate, Marginal tax rate, New York payroll premiums

Formula, worked example, and sources: /calculators/ny-paycheck-calculator

Estimate your Florida take-home pay for 2026 after federal income tax, Social Security, Medicare, and no state income tax in Florida.

Inputs:

Annual salary (gross), Filing status, Pay frequency, 401(k) contribution, Other pre-tax deductions

Outputs:

Take-home per paycheck, Annual take-home, Federal income tax, Social Security, Medicare, Additional Medicare, State income tax, Total tax, 401(k) contribution, 401(k) limit, Effective tax rate, Marginal tax rate

Formula, worked example, and sources: /calculators/fl-paycheck-calculator

Estimate your Illinois take-home pay for 2026 after federal income tax, Social Security, Medicare, and Illinois state income tax.

Inputs:

Annual salary (gross), Filing status, Pay frequency, 401(k) contribution, Other pre-tax deductions

Outputs:

Take-home per paycheck, Annual take-home, Federal income tax, Social Security, Medicare, Additional Medicare, State income tax, Total tax, 401(k) contribution, 401(k) limit, Effective tax rate, Marginal tax rate

Formula, worked example, and sources: /calculators/il-paycheck-calculator

Estimate your Pennsylvania take-home pay for 2026 after federal income tax, Social Security, Medicare, and Pennsylvania state income tax.

Inputs:

Annual salary (gross), Filing status, Pay frequency, 401(k) contribution, Other pre-tax deductions

Outputs:

Take-home per paycheck, Annual take-home, Federal income tax, Social Security, Medicare, Additional Medicare, State income tax, Total tax, 401(k) contribution, 401(k) limit, Effective tax rate, Marginal tax rate, Pennsylvania payroll premiums

Formula, worked example, and sources: /calculators/pa-paycheck-calculator

Estimate your Ohio take-home pay for 2026 after federal income tax, Social Security, Medicare, and Ohio state income tax.

Inputs:

Annual salary (gross), Filing status, Pay frequency, 401(k) contribution, Other pre-tax deductions

Outputs:

Take-home per paycheck, Annual take-home, Federal income tax, Social Security, Medicare, Additional Medicare, State income tax, Total tax, 401(k) contribution, 401(k) limit, Effective tax rate, Marginal tax rate

Formula, worked example, and sources: /calculators/oh-paycheck-calculator

Estimate your Georgia take-home pay for 2026 after federal income tax, Social Security, Medicare, and Georgia state income tax.

Inputs:

Annual salary (gross), Filing status, Pay frequency, 401(k) contribution, Other pre-tax deductions

Outputs:

Take-home per paycheck, Annual take-home, Federal income tax, Social Security, Medicare, Additional Medicare, State income tax, Total tax, 401(k) contribution, 401(k) limit, Effective tax rate, Marginal tax rate

Formula, worked example, and sources: /calculators/ga-paycheck-calculator

Estimate your North Carolina take-home pay for 2026 after federal income tax, Social Security, Medicare, and North Carolina state income tax.

Inputs:

Annual salary (gross), Filing status, Pay frequency, 401(k) contribution, Other pre-tax deductions

Outputs:

Take-home per paycheck, Annual take-home, Federal income tax, Social Security, Medicare, Additional Medicare, State income tax, Total tax, 401(k) contribution, 401(k) limit, Effective tax rate, Marginal tax rate

Formula, worked example, and sources: /calculators/nc-paycheck-calculator

Estimate your Washington take-home pay for 2026 after federal income tax, Social Security, Medicare, and no state income tax in Washington.

Inputs:

Annual salary (gross), Filing status, Pay frequency, 401(k) contribution, Other pre-tax deductions

Outputs:

Take-home per paycheck, Annual take-home, Federal income tax, Social Security, Medicare, Additional Medicare, State income tax, Total tax, 401(k) contribution, 401(k) limit, Effective tax rate, Marginal tax rate, Washington payroll premiums

Formula, worked example, and sources: /calculators/wa-paycheck-calculator

Convert an annual salary to take-home pay for 2026: federal income tax, Social Security and Medicare, a flat state rate, and net pay per paycheck and month.

Inputs:

Annual salary (gross), Filing status, Pay frequency, State income tax rate, 401(k) contribution, Other pre-tax deductions

Outputs:

Take-home per paycheck, Monthly take-home, Annual take-home, Federal income tax, Social Security, Medicare, Additional Medicare, State income tax, Total tax, 401(k) contribution, 401(k) limit, Effective tax rate, Marginal tax rate

Formula, worked example, and sources: /calculators/salary-calculator

Convert an hourly wage to annual salary and 2026 take-home pay: gross per week, month, and year, taxes withheld, and what each worked hour really pays.

Inputs:

Hourly wage, Hours per week, Weeks worked per year, Filing status, Pay frequency, State income tax rate

Outputs:

Take-home per paycheck, Annual salary equivalent, Gross per week, Gross per month, Annual take-home, Monthly take-home, Take-home per hour worked, Federal income tax, Social Security, Medicare, State income tax, Total tax, Effective tax rate

Formula, worked example, and sources: /calculators/hourly-paycheck-calculator

Compute time-and-a-half earnings and the no-tax-on-overtime deduction: the FLSA premium, the $12,500/$25,000 cap, the income phase-out, and your tax savings.

Inputs:

Regular hourly wage, Overtime hours per week, Weeks with overtime per year, Overtime multiplier, Filing status, Modified adjusted gross income, Marginal tax rate

Outputs:

Annual overtime earnings, Overtime rate, Overtime pay per week, Half-time premium (deductible base), No-tax-on-overtime deduction, Estimated tax savings, Deduction status

Formula, worked example, and sources: /calculators/overtime-pay-calculator

Estimate a severance package and what survives withholding: weeks per year of service, the 22% supplemental rate, FICA, and the net amount to plan around.

Inputs:

Annual salary, Years of service, Weeks per year of service, Base weeks (if any), Wages so far this year, Filing status, State supplemental rate

Outputs:

Gross severance, Severance weeks, Weekly pay, Federal withholding (22% flat), Social Security, Medicare, Additional Medicare, State withholding, Total withheld, Net severance

Formula, worked example, and sources: /calculators/severance-pay-calculator