Know what you actually
keep.
Free calculators that cut through the noise — taxes, compounding, mortgages, and more. Pick a tool and see your real numbers.
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US Salary Calculator
Take-home pay after federal and state income tax, Social Security, and Medicare. All 50 states and DC, 2025 and 2026. Single and married filing jointly.
1099 vs W-2 Calculator
Compare contractor vs employee take-home pay for any US state. Includes break-even rate, SE tax deduction, and 2025/2026 tax brackets.
W-2 to 1099 Rate Converter
Know your W-2 salary? Find the 1099 hourly rate that leaves you with the same take-home after SE tax, benefits, and state taxes.
Germany Salary Calculator
Brutto-Netto 2025 & 2026. Take-home after income tax, solidarity surcharge, pension, health, unemployment and long-term care insurance.
Netherlands Salary Calculator
Bruto-Netto 2025 & 2026. Take-home after Box 1 income tax, algemene heffingskorting and arbeidskorting.
UK Salary Calculator
Take-home pay after income tax, NI, pension (RAS/net pay/sacrifice), taxable benefits, and student loan. England, Wales, NI and Scotland. 2025/26 and 2026/27.
UK Self-Employed Tax Calculator
Take-home profit after income tax, Class 2 and Class 4 NI. Includes payments on account schedule. England, Wales, NI and Scotland. 2025/26 and 2026/27.
UK Capital Gains Tax Calculator
Tax on gains from shares, property, and business assets. Annual exempt amount, basic/higher rate split, BADR, and loss relief. 2025/26 and 2026/27.
UK Inflation Calculator
What is £X from 1987 worth today? Adjust any pound amount for inflation using ONS CPI and RPI annual averages, 1987–2024.
Inflation Calculator
What is $X from 1920 worth today? Adjust any amount for inflation from 1913 to 2024 using official BLS CPI-U data.
Compound Interest Calculator
See how your savings grow over time. Set your starting balance, monthly contributions, return rate, and time horizon — updated in real time.
ROI Calculator
Calculate total return, annualized rate (CAGR), and net gain. Compare your result against the S&P 500, HYSA, and inflation.
Mortgage Calculator
Estimate your monthly payment, total interest, and full amortization schedule. Includes PMI warning and down payment presets.
Mortgage Repayment Calculator
See how extra monthly payments or a lump sum cut years off your mortgage and save thousands in interest. Side-by-side standard vs. accelerated comparison.
Down Payment Calculator
See how long to save for a down payment. Track your progress toward 3.5%, 5%, 10%, and 20% milestones — and find the monthly savings needed to hit your goal.
Rent vs Buy Calculator
Is it cheaper to rent or buy? Compare true 5, 10, 20, and 30-year costs including mortgage interest, property tax, maintenance, appreciation, and investment returns.
Salary to Hourly Calculator
Convert annual salary to hourly rate or hourly wage to annual. See daily, weekly, bi-weekly, and monthly equivalents for any hours-per-week.
Raise Calculator
Got a raise? See how much extra you actually keep after federal tax and FICA. Shows before vs after take-home and your marginal rate on the raise.
Bonus Tax Calculator
See how much of your bonus you keep after the 22% federal supplemental rate, state withholding, Social Security, and Medicare. All 50 states.
Quarterly Estimated Tax Calculator
Freelancer or self-employed? Calculate your quarterly IRS payments — SE tax, federal income tax, and state tax. Includes 2025 due dates and safe-harbor rules.
FIRE Calculator
How much do you need to retire early? Find your FIRE number, years to financial independence, and the monthly savings required to get there.
US Capital Gains Tax Calculator
Short vs long-term rates (0%, 15%, 20%), NIIT (3.8%), all filing statuses. See your exact 2025 CGT bill and effective rate.
401(k) / IRA Calculator
Am I on track for retirement? Project your balance at retirement, find your gap to the 4% rule target, and see how much extra to save each month.
Debt Payoff Calculator
Snowball vs avalanche — enter all your debts, set your extra monthly payment, and see which strategy clears your debt fastest and cheapest.
Credit Card Payoff Calculator
How long to pay off your credit card? Enter your balance, APR, and monthly payment — or set a target date and see the required payment.
EU Salary Calculators
Take-home pay by country across Germany, France, Spain, and more.
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Tax data sourced from the IRS and Tax Foundation, updated for 2025 and 2026. No guesswork.
All calculations run in your browser. Nothing you enter is sent to a server or stored.