United States
United States calculators
With the values in force in the United States, the source of each one and the date we checked it.
Official data, updated automatically
An automated process checks the official sources every day. Rule changes go live after we verify them.
- Last review of the rules
- Latest automatic figure
- Consumer Price Index (CPI-U),
- Official sources
- 20 official documents
Pay and work
- Take-home pay calculatorEnter your salary and how often you get paid to see what lands in your bank account after federal taxes.
- Minimum wage calculator by statePick your state to see its minimum wage, the federal minimum and the one your employer must pay.
- Overtime pay calculatorUnder the Fair Labor Standards Act, most hourly workers earn at least one and a half times their regular rate for hours over 40 hours in a workweek.
- Hourly to salary calculatorHow much is your salary per hour? What does an hourly offer come to per year? Enter an amount, pick the period and we show all the others.
- Pay raise calculatorYou have been offered a raise, or you are about to ask for one. Enter your pay and the raise, as a percentage or an amount, and see how much changes each month and year.
- Time card calculatorPick the start and end time for each day, your unpaid break and your hourly pay. We show total hours, overtime and your pay for the week.
Taxes
- Federal income tax calculatorEnter your filing status and your adjusted gross income to see your federal income tax for 2026, your top bracket and your effective rate.
- FICA tax calculatorFICA is the payroll tax that funds Social Security and Medicare. You pay half and your employer pays the other half.
- Self-employment tax calculatorIf you freelance, drive for an app or run a sole proprietorship, you pay both halves of Social Security and Medicare yourself. That is the self-employment tax.
- Employer payroll tax calculatorHiring someone costs more than the salary. As the employer you pay your own share of Social Security and Medicare, plus federal and state unemployment taxes.
- Sales tax calculatorThere is no national sales tax in the United States. Each state sets its own rate, and counties, cities and special districts can add more on top.
Money and indexes
Loans, savings and investing
- Loan calculatorBefore you sign for a loan, two numbers matter: what you pay each month and what the loan costs you in interest.
- APR to APY calculatorTwo offers with the same rate can cost different amounts. The difference is how often interest is charged or paid.
- Mortgage calculatorA mortgage is the biggest debt most households ever take on. It pays to see the full numbers before you talk to a lender.
- Rent vs buy calculatorComparing the mortgage payment with the rent is not enough. Buyers pay interest, upkeep and property tax, but they end up owning the home. Renters can keep the down payment invested.
- Compound interest calculatorWith compound interest, the interest is added to your balance and starts earning interest of its own. That is why savings grow faster and faster.
- Simple interest calculatorSimple interest is always worked out on the original principal: interest is not added to the balance during the term.
- Savings goal calculatorA trip, a car, a deposit on a home or a cushion for surprises. A goal with an amount and a date is much easier to hit.
- Retirement savings calculatorA state pension often is not enough to keep your standard of living. Savings of your own, even small ones, make a big difference if you start early.
- Credit card payoff calculatorA credit card is usually the most expensive debt you have. Paying only the minimum stretches it out for years and piles on interest.
- 50/30/20 budget calculatorThe 50/30/20 rule is a simple way to plan your month. Half goes to essentials, 30% to things you enjoy and 20% to savings.
- Emergency fund calculatorAn emergency fund is money set aside for what you can't plan for: losing your job, a health problem or an urgent home repair.
- Car cost calculatorMost people know what they spend on fuel. Few add up insurance, maintenance, parking and, above all, the value the car loses every year.
Business and self-employment
- ROI calculatorA 50% gain sounds great, but it is not the same over 2 years as over 10. To compare investments you need the return per year.
- Profit margin calculatorMargin and markup get mixed up all the time, and the difference can cost you money. Both measure the same profit, but against a different base.
- Break-even calculatorThe break-even point is the level of sales where a business neither makes nor loses money. Below it you lose, above it you start to profit.
- Freelance rate calculatorThe most common freelance mistake is taking the salary you would want as an employee and dividing it by 160 hours. That leaves out taxes, expenses, vacation and every hour you can't bill.
Other calculators
- Bonus tax calculatorBonuses feel taxed harder because employers usually withhold a flat 22% of federal income tax, plus Social Security and Medicare.
- No tax on overtime calculatorFrom 2025 through 2028 you can deduct the extra pay you earn for overtime, the half in time and a half, from your federal taxable income.
- No tax on tips calculatorServers, bartenders, hairstylists and other tipped workers can deduct their reported tips from federal taxable income, up to $25,000 a year.
- Capital gains tax calculatorWhen you sell an investment for more than you paid, the profit is a capital gain. How it's taxed depends on how long you held it and on the rest of your income.
- 401(k) contribution calculatorEnter your salary, the percentage you save and your employer's match to see what goes into your 401(k) this year.
- Roth IRA contribution calculatorThe Roth IRA limit shrinks as your income rises and disappears above a certain level. Enter your modified AGI and filing status to see your personal limit for 2026.
- HSA contribution calculatorA health savings account lets you set aside pre-tax money for medical costs if you have a high deductible health plan.
- Required minimum distribution (RMD) calculatorOnce you reach age 73 years, the IRS requires you to take a minimum amount out of traditional IRAs and workplace retirement plans every year.
- Child tax credit calculatorThe child tax credit lowers your federal income tax for each child under 17. If the credit is bigger than your tax, part of it can come back as a refund.
- Quarterly estimated tax calculatorIf you are self-employed or have income without withholding, the IRS expects you to pay tax during the year in four installments.
- Mileage reimbursement calculatorThe IRS sets standard mileage rates that employers use to reimburse driving and that self-employed people use to deduct it.
- Senior deduction calculatorPeople 65 or older can take an extra deduction of up to $6,000 each on their federal return for 2025 through 2028.
- Standard deduction calculatorThe standard deduction is the amount of income you don't pay federal income tax on if you don't itemize.