Free US financial calculators, updated for 2026
Taxes, paychecks, retirement, student loans, home buying and health insurance — built on this year’s IRS brackets and federal rules, with the math shown. No signup.
Rates and limits from the IRS, Social Security Administration, HHS, the Department of Education and state revenue departments. Last checked October 2026.
What’s your 2026 paycheck?
Take-home every two weeks (single filer)
$2,368.94
$61,593 a year after federal, Social Security, Medicare and state taxes.
Add 401(k) and benefitsStart with the decision you’re making
Income tax
Federal brackets, state tax and the new 2026 deductions.
Paychecks
What actually lands in your account each payday.
Retirement
401(k) match, IRAs and the Roth-or-not question.
Student loans
RAP, Tiered Standard and PSLF after July 2026.
Home buying
What you can afford and whether to buy at all.
Health insurance
Marketplace subsidies under the 2026 rules.
College savings
529 targets based on real College Board costs.
Guides for 2026
All money guides- How Much Tax Comes Out of Your Paycheck in 2026?Federal tax, 7.65% FICA and your state — what actually comes out of each paycheck, with real 2026 examples.7 min read
- 2026 Federal Tax Brackets and Standard Deduction, ExplainedAll seven 2026 brackets, the $16,100 standard deduction, and why your top bracket isn’t your tax rate.6 min read
- States With No Income Tax in 2026 (and What You Really Save)Nine states don’t tax wages. Here’s how much more a $75,000 earner keeps — and the catch.6 min read
- Roth vs Traditional IRA in 2026: How to ChooseOne question decides it: will your tax rate be higher or lower in retirement? Here’s how to answer it.8 min read
- How Much House Can I Afford? The 28/36 Rule With Real NumbersLenders cap housing at 28% of gross income and all debt at 36%. Here’s what that buys at your income.7 min read
- 401(k) Employer Match Explained: Are You Leaving Money on the Table?“50% of 6%” means contribute 6% or lose free money. How to read your match formula in one minute.6 min read
3D printing calculators
All 3D printing toolsPrint cost, filament and resin, multi-color waste, and pricing for selling your prints.
- Filament Cost per Print CalculatorWhat the plastic in one print costs, from grams and spool price.
- 3D Print Cost CalculatorTrue cost per print: filament, power, wear, labor and failures.
- Multi-Color Purge Waste CalculatorFilament lost to AMS / MMU color changes and prime towers.
- Resin Print Cost CalculatorCost per resin print from ml used, bottle price and consumables.
- Etsy Profit Calculator for 3D PrintsEtsy fees, profit and the price you need for your target margin.
- Print Farm Quote CalculatorQuote a multi-part order with machine time, labor and margin.
- Filament Remaining CalculatorWeigh the spool: grams and meters left, and whether your print will finish.
Everyday calculators
Loans & savings
Frequently asked questions
What is CalciTools?
CalciTools is a free set of US financial calculators — income tax, take-home pay, 401(k), Roth vs Traditional IRA, student loans, mortgage affordability, rent vs buy, ACA subsidies and 529 college savings — plus everyday math, health and date tools. Everything runs in your browser with no signup.
Are the calculators updated for 2026?
Yes. Tax calculators use the 2026 IRS brackets and standard deductions from Rev. Proc. 2025-32 and 2026 rates for all 50 states and DC. Retirement limits, ACA subsidy rules, student loan plans (including RAP) and college costs reflect the latest federal guidance. Each page lists its sources.
Do you store the numbers I enter?
No. Calculations happen on your device and nothing you type is sent to our servers. Your inputs only appear in the page address so you can bookmark or share a result.
Is this financial or tax advice?
No. The calculators give planning estimates based on published rules and the assumptions shown on each page. For filing or major decisions, check with the IRS, your state, or a qualified professional.
Is CalciTools free?
Yes. Every calculator is free with no account. We are building optional premium features, such as detailed PDF reports and saved scenarios, which you can join the waitlist for on any calculator.