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Federal income tax

• Federal income tax calculator 2025Full bracket breakdown for 2025.
• Federal income tax calculator 20262026 projected bracket withholding.
• Federal tax brackets2025 IRS brackets, all filing statuses.
• Marginal tax rate calculatorYour top federal bracket and per-slice breakdown.
• Effective tax rate calculatorAverage rate: total tax / gross income.
• Standard deduction checker2025 standard deduction including age/blind additions.
• W-4 withholding estimatorPer-period withholding from W-4 elections.
• Quarterly estimated taxSafe-harbor amounts and 2025 due dates.
• Child tax credit calculator2025 CTC and ACTC with phase-out.
• EITC calculatorEarned income credit 2025 by children and income.
• Capital gains tax calculatorShort and long-term federal rates.
• Tax refund estimatorRefund or balance due from W-2 and withholding.
• FICA tax calculatorSocial Security and Medicare payroll tax.
• IRS mileage rate historyBusiness and medical rates 2012-2025.
• AMT calculatorAlternative Minimum Tax: exemption, phase-out, tentative minimum tax.
• NIIT calculator3.8% net investment income tax on investment income above MAGI threshold.
• Social Security benefits tax calculatorHow much of your SS benefits are taxable per IRS Publication 915.
• Estate tax calculator2025 federal estate tax: $13,990,000 exemption and 40% rate.
• Gift tax calculator2025 annual exclusion $19,000 and lifetime exemption tracking.

State income tax

• State income tax comparison tableAll 50 states and DC in one view.
• AlabamaAL: 2%-5%.
• AlaskaAK: no income tax.
• ArizonaAZ: 2.5% flat.
• ArkansasAR: up to 3.9%.
• CaliforniaCA: up to 12.3%.
• ColoradoCO: 4.4% flat.
• ConnecticutCT: up to 6.99%.
• DelawareDE: up to 6.6%.
• District of ColumbiaDC: up to 10.75%.
• FloridaFL: no income tax.
• GeorgiaGA: 5.39% flat.
• HawaiiHI: up to 11%.
• IdahoID: 5.695% flat.
• IllinoisIL: 4.95% flat.
• IndianaIN: 3.05% flat.
• IowaIA: up to 5.7%.
• KansasKS: up to 5.7%.
• KentuckyKY: 4.0% flat.
• LouisianaLA: up to 3%.
• MaineME: up to 7.15%.
• MarylandMD: up to 5.75% plus local.
• MassachusettsMA: 5% flat.
• MichiganMI: 4.25% flat.
• MinnesotaMN: up to 9.85%.
• MississippiMS: 4.7% flat.
• MissouriMO: up to 4.8%.
• MontanaMT: up to 5.9%.
• NebraskaNE: up to 5.84%.
• NevadaNV: no income tax.
• New HampshireNH: no wage income tax.
• New JerseyNJ: up to 10.75%.
• New MexicoNM: up to 5.9%.
• New YorkNY: up to 10.9%.
• North CarolinaNC: 4.5% flat.
• North DakotaND: up to 2.5%.
• OhioOH: up to 3.5%.
• OklahomaOK: up to 4.75%.
• OregonOR: up to 9.9%.
• PennsylvaniaPA: 3.07% flat.
• Rhode IslandRI: up to 5.99%.
• South CarolinaSC: up to 6.2%.
• South DakotaSD: no income tax.
• TennesseeTN: no wage income tax.
• TexasTX: no income tax.
• UtahUT: 4.55% flat.
• VermontVT: up to 8.75%.
• VirginiaVA: up to 5.75%.
• WashingtonWA: no wage income tax.
• West VirginiaWV: up to 5.12%.
• WisconsinWI: up to 7.65%.
• WyomingWY: no income tax.

Payroll and salary

• Paycheck calculatorFederal withholding, FICA, and net pay.
• Salary paycheck calculatorAnnual salary to per-paycheck net.
• Take-home pay calculatorGross to net, all pay frequencies.
• Gross to net calculatorFederal deductions from gross pay.
• Self-employment tax calculatorSE tax, deductible half, quarterly estimates.
• Employer payroll tax calculatorTotal employer cost including FUTA.
• Hourly to salary converterAnnual and periodic equivalents from hourly rate.
• Salary to hourly converterHourly equivalent from annual salary.
• Overtime pay calculatorFLSA 1.5x overtime with pay breakdown.
• Bonus tax calculatorFlat 22% vs aggregate withholding method.
• Benefits value calculatorDollar value of your employer benefits.
• Salary negotiation calculatorCompare two offers by total compensation.
• 1099 vs W-2 calculatorContractor vs employee true take-home.
• State minimum wage 2025All 50 states and DC: current minimum wage rates from DOL.
• Gross-up calculatorRequired gross so employee nets a specific take-home.
• Nanny tax calculatorSchedule H: household employer FICA, FUTA, and SUI.
• California paycheck calculatorCA SDI, state withholding, FICA, and net pay for 2025.

Sales tax

• US sales tax calculatorAll 50 states, official base rates.

Mortgage and housing

• Mortgage calculatorMonthly payment and total interest.
• Amortization calculatorFull month-by-month payment schedule.
• Mortgage affordabilityMaximum mortgage from income and DTI.
• Home affordability calculatorPurchase price range from budget.
• FHA loan calculatorPayment with FHA MIP per HUD 2023-05.
• PMI calculatorMonthly PMI and cancellation month.
• 15 vs 30 year mortgageSide-by-side interest and payment comparison.
• Biweekly mortgage calculatorInterest saved with biweekly payments.
• Refinance calculatorBreak-even months and lifetime savings.
• Home equity calculatorEquity, LTV, and available borrowing power.
• Down payment calculatorSavings plan to reach your goal.
• Closing cost calculatorEstimated buyer closing costs.
• Rent vs buy calculatorTrue 5 and 10-year cost comparison.
• Property tax calculatorAnnual tax from assessed value and mill rate.
• State property tax rankingAll 50 states ranked by effective rate.
• HELOC calculatorHome equity line of credit: available equity, draw payment, repayment cost.
• Real estate transfer tax calculatorTransfer tax for all 50 states and DC.
• Mortgage points calculatorBreak-even months and net savings from buying discount points.
• ARM calculatorAdjustable rate mortgage: best, expected, and worst-case scenarios.

Loans and debt

• Auto loan calculatorMonthly payment and total interest.
• Personal loan calculatorInstallment payments for personal loans.
• Loan payment calculatorGeneric loan payment and payoff schedule.
• APR calculatorTrue cost including fees.
• Compound interest calculatorLump sum or recurring investment growth.
• Credit card payoff calculatorMonths to payoff and total interest.
• Debt payoff calculatorAvalanche and snowball methods for multiple debts.
• Debt consolidation calculatorAvalanche vs consolidation loan comparison.
• Student loan calculatorFederal loan payment and repayment timeline.
• Student loan payoff plannerExtra payment savings and months saved.
• Balance transfer calculatorNet savings from 0% intro APR balance transfer.
• Debt snowball vs avalanche calculatorMonth-by-month simulation of both payoff strategies.
• Loan comparison calculatorSide-by-side comparison of two loan offers.

Retirement and savings

• 401k calculatorGrowth with match, limits, and returns.
• IRA contribution calculatorTraditional and Roth limits and growth.
• Roth vs Traditional IRAAfter-tax value comparison.
• HSA calculator2025 limits and triple tax benefit.
• 529 college savings calculatorBalance vs projected cost with break-even.
• CD calculatorMaturity value with APY and tax.
• FIRE calculatorFinancial independence number and years to FIRE.
• 4% rule withdrawal calculatorYear-by-year portfolio simulation.
• RMD calculatorIRS Uniform Lifetime Table required minimum distribution.
• Retirement savings calculatorProjected balance at retirement.
• Pension vs lump sumNPV comparison of annuity vs lump sum.
• Social Security calculatorEstimated benefit from earnings history.
• Early withdrawal penalty10% penalty and tax on early withdrawals.
• Roth IRA calculator2025 limits, eligibility, and tax-free growth projection.
• Traditional IRA calculator2025 deductibility phase-out and pre-tax growth projection.
• Roth conversion calculatorTax cost and long-term benefit of converting to Roth.
• Required minimum distribution calculatorIRS Uniform Lifetime Table RMD with 5-year projection.
• Social Security claiming age calculatorBenefit by claiming age 62-70 and break-even analysis.
• Retirement income calculatorSustainable monthly withdrawal from portfolio plus SS and pension.
• Medicare cost estimator2025 Part A, B, and D premiums with IRMAA surcharges.
• Social Security spousal benefit calculatorUp to 50% of worker PIA at FRA; early claiming reduction; divorced-spouse rules.

Savings and investments

• Savings goal calculatorMonthly savings needed to reach a goal by target date.
• Investment return calculatorNominal and inflation-adjusted future value.
• Dollar-cost averaging calculatorDCA vs lump sum comparison.
• Inflation calculatorBLS CPI-U 1980-2024: adjust any dollar amount for inflation.
• Real return calculatorFisher equation: nominal return adjusted for inflation.
• Emergency fund calculatorTarget size (3-6 months expenses) and timeline to reach it.
• Net worth calculatorTotal and liquid net worth from assets and liabilities.

Business and self-employment

• Self-employment deductionsAbove-the-line and Schedule C deductions for self-employed.
• Home office deduction calculatorSimplified vs actual expense method comparison.
• QBI deduction calculatorSection 199A deduction with W-2 wage limitation.
• C-Corp vs S-Corp tax calculatorTotal tax burden: 21% corporate rate vs pass-through.
• Depreciation calculatorSection 179, bonus depreciation, and MACRS schedule.
• S-Corp salary calculatorFICA savings from salary vs distribution split.
• Startup cost deduction calculatorIRC 195: $5,000 immediate deduction and 180-month amortization.
• Business mileage calculator2025 $0.70/mile: standard vs actual expense.

Federal/advanced tax

• SE health insurance deduction100% deduction limited to net SE profit per IRC 162(l).
• Backdoor Roth IRA calculatorPro-rata rule and conversion tax for high earners.
• Tax-loss harvesting calculatorIRS netting rules, $3,000 ordinary income deduction, carryforward.
• Kiddie tax calculatorIRC 1(g): unearned income taxed at parent rate above $2,700.
• AMT credit calculator (Form 8801)Minimum tax credit carryforward and current-year use.
• Student loan interest deductionUp to $2,500 above-the-line; MAGI phase-out $75k-$90k single (2025).
• Educator expense deduction$300/$600 above-the-line for eligible K-12 educators.
• Home sale exclusion calculatorIRC 121: $250k/$500k exclusion, ownership and use tests.
• Rental income tax calculatorSchedule E: depreciation, $25k passive loss exception.
• RSU tax calculatorOrdinary income at vesting, FICA, supplemental withholding.
• ISO stock option calculatorIRC 422: AMT preference item, qualifying vs disqualifying disposition.
• Foreign tax credit calculatorForm 1116: limitation, creditable amount, and excess carryforward.
• 1031 like-kind exchange calculatorBoot, realised vs recognised gain, and new basis.
• Depreciation recapture calculatorSection 1245 ordinary income; Section 1250 unrecaptured gain at 25%.

Savings and banking

• High-yield savings calculatorAPY vs APR, FDIC coverage, rate comparison.
• Money market vs HYSA vs CDSide-by-side balance and liquidity over your horizon.
• Treasury bond calculatorYTM, current yield, after-tax return on T-Notes/Bonds.
• I Bond calculatorComposite rate, semiannual compounding, early penalty.

Health and benefits

• FSA calculator2025 limits: $3,300 healthcare, $5,000 dependent care.
• HSA vs FSA comparisonFeature table and tax savings for both accounts.

Retirement: small-business plans

• Catch-up contribution calculator2025: 401k $31,000, IRA $8,000, HSA $5,300 (age 55+).
• Solo 401(k) calculatorEmployee deferral + 25% employer = $70,000 max.
• SEP-IRA calculator25% of net SE income capped at $70,000 (2025).
• SIMPLE IRA calculator$16,500 employee + 3% match or 2% non-elective (2025).
• Annuity calculatorFixed annuity accumulation FV and payout PMT.
• Inherited IRA calculatorSECURE Act 10-year rule, annual RMDs, depletion projection.
• 72(t) SEPP calculatorThree IRS methods for penalty-free early IRA access.

Mortgage: advanced

• Mortgage recast calculatorNew payment after lump-sum paydown, break-even on fee.
• Extra payment calculatorInterest saved and years cut from extra payments.
• Jumbo loan calculator2025 FHFA limit $806,500; rate premium and extra cost.
• Home improvement ROIProject ROI and net gain with user-editable estimates.
• HECM reverse mortgage calculatorPrincipal limit, costs, monthly tenure payment (age 62+).

State reference

• State sales tax rates 2025All 50 states + DC: base rates table with quick calculator.

Universal tools

Health

• BMI calculatorCDC formula, metric/imperial, WHO weight-status categories.

Maths and percentages

• Percentage calculatorX% of Y, X as % of Y, % change, X +/- Y%.

Date and time

• Age calculatorExact age in years, months, days; next birthday countdown.
• Date difference calculatorDays, weeks, months, years between two dates.
• Working days calculatorBusiness days Mon-Fri with custom holiday exclusions.

Everyday

• Tip calculatorTip, total, and per-person split at any tip rate.

Unit converters

• Temperature converterCelsius, Fahrenheit, Kelvin. NIST definitions.
• Length convertermm, cm, m, km, in, ft, yd, mi, nmi.
• Weight and mass converterkg, g, mg, lb, oz, stone, tonne, US and imperial ton.
• Area converterm², km², ft², in², yd², acres, hectares, mi².