Free US Finance Lab & Money Tools
Accurate salary, tax, mortgage, and loan calculators for every US state — using current 2026 IRS rates and real state tax brackets.
24+
Free calculators
51
States + DC
2026
Tax year data
2020–26
Year comparison
Top Tools
Most Popular Calculators
Salary After Tax Calculator
Find out exactly how much of your annual salary you actually take home.
Paycheck Calculator
See your exact take-home pay after all federal and state deductions.
Mortgage Calculator
Calculate your monthly mortgage payment, total interest, and full amortization.
Tax Calculator
Estimate your federal and state income tax bill for 2026.
401k Calculator
Project your 401k balance at retirement with employer match and compound growth.
Inflation Calculator
See how inflation erodes purchasing power over time.
Student Loan Calculator
Calculate your monthly student loan payment and total interest cost.
Net Worth Calculator
Calculate your total net worth by adding up assets and subtracting liabilities.
Categories
Browse by Category
By State
State-Specific Tax Calculators
Tax rates vary significantly by state — use these for accurate local results.
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Financial Guides
How Tariffs Are Raising Your Cost of Living in 2026 — And What You Can Do
The 2026 tariff wave is costing the average American household $1,000–$1,500 per year in higher prices. This guide breaks down which categories are most affected, how to calculate your personal tariff tax, and actionable steps to protect your budget.
SAVE Plan Is Over: What Every Student Loan Borrower Must Do in 2026
The SAVE income-driven repayment plan is being shut down, wage garnishment restarted in January 2026, and new repayment plans take effect July 2026. This guide explains exactly what changed, what your options are, and the steps to take before your loans go into default.
Will Mortgage Rates Drop in 2026? What Homebuyers Need to Know
After peaking above 7% in 2023–2024, mortgage rates have settled near 6% in early 2026. This guide explains what is driving rates, what major forecasters predict, and how to make a smart buying decision regardless of where rates go.
Our Commitment
Accurate Calculations You Can Trust
2026 Federal Tax Brackets
IRS-accurate income tax brackets, $15,000 single / $30,000 married standard deduction.
Current FICA Rates
6.2% Social Security (up to $176,100 wage base) and 1.45% Medicare applied correctly.
All 50 States + DC
Every state calculator uses actual brackets, flat rates, or zero-tax rules for that state.
Historical Year Comparison
Select any year from 2020–2026 and compare results side-by-side to see how tax law changes affect you.
Estimates, Not Guarantees
All results are estimates based on standard assumptions. Tax situations vary. Use these tools for planning — consult a CPA or financial advisor for major decisions.
When are calculators updated?
We update all calculators at the start of each tax year to reflect new IRS brackets, standard deductions, FICA wage bases, and state tax changes. Current calculators use 2026 tax year figures with historical data back to 2020.