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. How we calculate
What’s your 2026 paycheck?
Take-home pay every two weeks · Texas · single
$2,368.94
$61,593 a year after federal income tax, Social Security, Medicare and Texas taxes.
Estimate only — not tax advice. Assumes no 401(k) or benefit deductions.
See the full breakdown, with 401(k) and benefitsStart with the decision you’re making
Paychecks
For W-2 employees checking a job offer, a raise or a move to another state.
Income tax
For anyone estimating their 2026 tax bill, refund or quarterly payments.
Home buying
For renters weighing a first home and buyers setting a budget.
- Mortgage Affordability CalculatorThe home price your income supports, with PMI and taxes.Guide: How Much House Can I Afford? The 28/36 Rule With Real Numbers
- Rent vs Buy CalculatorThe year buying starts beating renting.Guide: Rent vs Buy: How Long You Need to Stay for Buying to Win
- Mortgage Payment CalculatorMonthly payment with PMI, taxes and insurance.
Student loans
For federal student loan borrowers choosing a repayment plan.
Retirement
For workers deciding how much to contribute and to which account.
Health insurance
For self-employed people, early retirees and families buying Marketplace coverage.
College savings
For parents and grandparents saving for a child’s education.
Take-home pay in all 50 states + DC
Each state page uses that state’s 2026 rates, its payroll programs where they apply, and worked examples. Prefer the full tax bill? See income tax by state.
Take-home pay calculators by state
No state income tax on wages (9)
Flat-rate states (14)
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.Updated · 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.Updated · 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.Updated · 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.Updated · 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.Updated · 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.Updated · 6 min read
More tools
Everyday math, health and hobby calculators.
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 or to analytics. Some calculators put your inputs 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.