US Salary, Tax & Mortgage Calculators 2026
Free salary, tax, mortgage, and retirement calculators for all 50 US states. Perfect for job offers, tax planning, home buying, and retirement savings.
48+ free calculators—take-home pay, federal and state income tax, mortgage PITI, property tax, 401(k), IRA, Social Security, and FIRE planning. Browse by goal below or jump to the US taxes hub for deeper tax-only tools.
Which Calculator Do You Need?
- Job offer evaluation? → US Salary Calculator
- Filing taxes? → Income Tax Calculator
- Buying a home? → Mortgage Calculator
- Planning retirement? → 401(k) Calculator
2026 US Tax Highlights
- Standard deduction: $15,000 single, $30,000 married filing jointly (verify current IRS amounts for your filing status)
- FICA (employee): 6.2% Social Security (up to the wage base) + 1.45% Medicare
- Top ordinary rate: 37% on taxable income over $625,050 for single filers—see the full bracket table below for all statuses
2026 US Tax Brackets (Quick Reference)
| Filing Status | 10% | 12% | 22% | 24% | 32% | 35% | 37% |
|---|---|---|---|---|---|---|---|
| Single | $0-$11,925 | $11,926-$48,475 | $48,476-$103,350 | $103,351-$197,050 | $197,051-$250,050 | $250,051-$625,050 | $625,050+ |
| Married Filing Jointly | $0-$23,850 | $23,851-$96,950 | $96,951-$206,700 | $206,701-$394,100 | $394,101-$500,100 | $500,101-$750,100 | $750,100+ |
| Married Filing Separately | $0-$11,925 | $11,926-$48,475 | $48,476-$103,350 | $103,351-$197,050 | $197,051-$250,050 | $250,051-$375,050 | $375,050+ |
| Head of Household | $0-$17,050 | $17,051-$65,100 | $65,101-$103,350 | $103,351-$197,050 | $197,051-$250,050 | $250,051-$625,050 | $625,050+ |
💰 US Salary Hub
US Salary Calculator 2026 - Free Take Home Pay Calculator After Taxes
Free US salary calculator 2026. See take-home pay after federal/state/FICA taxes for all 50 states. Perfect for job offers & budgeting.
Salary Calculator
Convert between hourly, daily, weekly, monthly, and annual salary. Calculate take-home pay after taxes, overtime, bonuses, and deductions. Perfect for salary negotiation and job comparisons.
RSU Tax Calculator 2026 (ISO, NSO, AMT) - Free Tool for Tech Employees
Free RSU tax calculator 2026. Calculate ISO AMT, NSO taxes, California state tax, capital gains for tech employees. Instant results, all 50 states.
Car Loan Calculator
Calculate car loan monthly payments, total interest, and loan term. Compare auto loan rates, include trade-in value, and estimate total vehicle financing costs with taxes and fees.
RV Loan Calculator & Motorhome Payment Estimator
RV loan calculator with EMI, true monthly cost (insurance + registration), gap insurance, trade-in, and amortization. Compare lender types (credit union, bank, online, dealer, RV-specialist), see state-by-state and India regional insights, and plan Class A/B/C motorhomes, travel trailers, and fifth wheels with updated 2025 rates.
Personal Loan Calculator
Calculate personal loan EMI, total interest payable, and repayment schedule. Compare unsecured loan offers, see monthly installments, and plan your debt repayment effectively.
🏠 US Mortgage Hub
Mortgage Calculator: Estimate Monthly Payments & Amortization
Free mortgage calculator 2026. PITI, amortization, PMI. Supports conventional, FHA, VA loans. Perfect for homebuyers.
Mortgage Payoff Calculator with Extra Payments - Save Thousands 2026
Free mortgage payoff calculator 2026. Extra payments, biweekly, lump sums. See interest savings & early payoff date.
Solar ROI Calculator 2026: See Your Exact Break-Even Year (Free PDF)
Free solar ROI calculator 2026. Payback for all 50 US states. 30% ITC, NEM 3.0. Perfect for homeowners.
House Affordability Calculator
Calculate how much house you can afford based on income, debts, down payment, and mortgage rates. Determine maximum home price and monthly payment within your budget.
Rent vs Buy Calculator
Compare renting vs buying a home with total costs, equity buildup, tax benefits, and long-term financial impact. Make informed housing decisions with detailed rent-buy analysis.
Property Tax Calculator
Estimate annual property tax by home value, tax rate, and exemptions. Compare typical rates by state or city, see assessment breakdown, and plan housing costs with current benchmark data.
🧾 US Tax Hub
Income Tax Calculator 2026 | Free Federal & State Tax Calculator
Free income tax calculator 2026. Federal & state rates for all 50 states. Effective vs marginal rate, FICA. Perfect for tax planning.
Sales Tax Calculator
Calculate sales tax amount and total price after tax. Add or remove sales tax for any US state, county, or city with current 2025 tax rates and purchase calculations.
FICO Score Calculator USA | Free Credit Score Estimator & Loan Checker
Free FICO score calculator to estimate your credit score (300-850) and check loan approval odds. Calculate based on 5 FICO factors: payment history, amounts owed, credit history length, credit mix, and new credit. Get instant APR estimates, loan eligibility assessment, and personalized credit improvement strategies. Perfect for mortgage, auto loan, and personal loan planning.
Net Worth Calculator | Calculate & Track Your Personal Net Worth
Free net worth calculator to calculate your personal net worth instantly. Track assets and liabilities, compare to age benchmarks, and plan your financial future. See breakdowns by category, age comparisons, and get personalized insights.
Student Loan Calculator 2025
Free student loan calculator with income-driven repayment (IDR) plans, PSLF forgiveness estimator, and federal vs private loan comparison. Calculate monthly payments, total costs, and compare SAVE, IBR, PAYE, and ICR plans. Updated with 2025 rates and poverty guidelines.
APR Calculator
Calculate Annual Percentage Rate (APR) for loans, credit cards, and mortgages. Compare APR vs interest rate, include fees, and determine true cost of borrowing.
💳 Retirement Hub
401k Calculator
Free 401k calculator 2026. Employer match, contribution limits, catch-up. See retirement readiness & 4% rule income.
Retirement Calculator
Plan retirement savings and estimate income needs. Calculate 401k, pension, Social Security, and investment growth to determine if you can retire comfortably at your target age.
Social Security Calculator
Estimate Social Security benefits with FRA auto-calculation, claim age comparison (62, 67, 70), spousal boost, and lifetime payout projections. See monthly and annual benefits and get guidance on breakeven ages.
Roth vs Traditional IRA Calculator
Compare Roth IRA vs Traditional IRA using current and retirement tax brackets, contribution limits, and growth assumptions. See after-tax value, breakeven ages, and which IRA wins for your situation.
IRA Contribution Calculator 2025 – Limits, Catch-up & Eligibility
2025 IRA contribution calculator: Check limits by age, income, and filing status. See Roth vs Traditional eligibility, catch-up rules at 50+, phase-out ranges, and backdoor Roth options with instant results.
FIRE Calculator 2025 - Financial Independence Retire Early Calculator
Free FIRE calculator with multi-currency support (USD/INR). Calculate your FIRE number, years to financial independence, and retirement age using the 4% rule. Choose from Lean, Regular, Fat, Barista, or Coast FIRE variants. See real-time projections with inflation adjustment, investment returns, and monthly savings tracking. Compare all FIRE variants side-by-side to find your perfect early retirement strategy. Includes detailed breakdown of annual expenses, safe withdrawal rates, and timeline to reach financial freedom. Perfect for USA and India markets with region-specific defaults and inflation rates. Plan your path to retire in your 30s, 40s, or whenever you want true financial independence. Calculate exactly how much you need to save, what your retirement income will be, and how soon you can quit your 9-5. No registration required, instant results, completely free.
More US Calculators
Multi-Type Insurance Premium Calculator
Free insurance premium calculator India & USA. Term life, health (India), auto (USA) — age-based quotes, NCB discounts, plan comparison.
Interest Calculator - Simple & Compound Interest Calculator 2025
Simple + compound interest calculator 2026. INR/USD/EUR — FD, RD, savings, loan interest with daily/monthly/annual compounding.
Compound Interest Calculator
Calculate compound interest on investments with daily, monthly, quarterly, or annual compounding. See how your savings grow over time with interest-on-interest calculations and detailed charts.
Investment Calculator
Calculate investment returns, growth, and future value with compound interest. Analyze lump sum investments, SIP, or recurring deposits with inflation adjustment and tax implications.
Stock Calculator
Calculate stock profit, loss, return percentage, and capital gains. Analyze buy/sell prices, quantity, brokerage fees, and taxes for accurate stock trading calculations.
Cryptocurrency Calculator
Calculate crypto investment returns, conversions, and profit/loss. Track Bitcoin, Ethereum, and altcoin portfolio value with real-time price data and trading fee calculations.
Retirement Income Calculator
Project sustainable retirement income using the 4% rule, Monte Carlo style success odds, inflation adjustments, Social Security bridge, and expense coverage. Quickly test withdrawal rates and gaps.
Markup Calculator
Calculate markup percentage, selling price, and profit from cost. Determine retail pricing strategy with gross profit calculations for business and ecommerce.
Margin Calculator
Calculate profit margin, gross margin, and net margin percentages. Analyze business profitability with revenue, cost, and markup calculations for pricing decisions.
VAT Calculator
Calculate Value Added Tax (VAT) for goods and services. Add or remove VAT at standard, reduced, or zero rates for UK, EU, and international VAT calculations.
Bitcoin Calculator
Calculate Bitcoin investment value, profit/loss, and conversions to USD, EUR, INR. Track BTC holdings, mining profitability, and satoshi conversions with live prices.
Loan Payoff Calculator
Calculate when you will pay off your loan with extra payments. Estimate interest savings, payoff date, and accelerated payment schedule to become debt-free faster.
Debt Payoff Calculator
Create debt payoff plan using snowball or avalanche method. Calculate how long to pay off multiple debts, total interest saved, and optimal payment strategy for debt freedom.
Credit Card Payoff Calculator 2025 | Debt Freedom Date Calculator
Credit card debt payoff calculator 2026. Payoff date, total interest, snowball vs avalanche, balance transfer comparison.
क्रेडिट कार्ड पेऑफ़ कैलकुलेटर इंडिया | Credit Card Payoff Calculator India
भारत में क्रेडिट कार्ड ऋण का भुगतान कितने समय में होगा, यह जानें। Calculate payoff timeline in INR. ब्याज की गणना करें और तेज़ी से भुगतान करने की रणनीतियाँ देखें।
Pension Calculator - Multi-Currency Retirement Income Planner 2025
Retirement pension income projection 2026. 4% rule, sustainable monthly withdrawal — INR, USD, EUR. India + global.
Gold Price Calculator
Calculate gold value by weight and purity (24K, 22K, 18K). Convert grams, ounces, and tolas to current market price in USD, INR, or other currencies for jewelry and investment.
Commission Calculator
Calculate sales commission, earnings, and percentage rates. Compute tiered commissions, referral fees, and affiliate payouts for sales professionals and businesses.
Stocks ROI Calculator
Calculate return on investment (ROI) for stocks with dividends, capital gains, and holding period. Analyze stock performance, annualized returns, and total investment profit.
IVF Cost Calculator
Calculate IVF treatment costs including medications, procedures, and facility fees. See insurance coverage options and financing help. Compare costs by state. Estimate your out-of-pocket expenses for IVF treatment with detailed breakdown.
GPA Calculator
Free GPA calculator for college and high school. Calculate semester GPA, cumulative GPA on 4.0, 5.0, or 10-point scale. Weighted GPA for honors/AP courses. Convert CGPA to GPA.
BRRRR Calculator
Free BRRRR calculator online with DSCR analysis. Analyze buy-rehab-rent-refinance-repeat deals: cash-on-cash return, cash left in deal, 5-year projections.
Down Payment Calculator
Calculate down payment needed for home purchase at 3%, 5%, 10%, or 20%. Determine PMI costs, loan amount, and closing costs for different down payment scenarios.
Concrete Calculator
Calculate concrete needed for slabs, footings, columns, and driveways. Estimate cubic yards, bags, and cost for construction projects with concrete volume calculations.
Amortization Calculator
Calculate loan amortization schedule with principal and interest breakdown by month. View payment schedule, remaining balance, and total interest paid over loan term.
Painting Calculator
Calculate paint needed for walls, ceilings, and rooms. Estimate gallons of paint, primer, and total coverage area for interior and exterior painting projects.
Roofing Cost Calculator
Roofing cost calculator for US and India with pitch multipliers, per-square pricing, material vs labor breakdown, removal, and permits.
US salary, tax & mortgage FAQs
What is the 2026 US federal tax bracket for single filers?
2026 federal tax brackets for single filers: 10% ($0–$11,925), 12% ($11,926–$48,475), 22% ($48,476–$103,350), 24% ($103,351–$197,050), 32% ($197,051–$250,050), 35% ($250,051–$625,050), 37% (over $625,050). Use our Income Tax Calculator for exact estimates.
How much FICA is deducted from salary?
Most employees pay 6.2% Social Security tax on wages up to the annual wage base and 1.45% Medicare tax on all covered wages. Earners above Medicare thresholds may owe an additional 0.9% Medicare surtax. Self-employed individuals pay both portions via SECA (with a deduction for the employer-equivalent share).
What is the 2026 standard deduction by filing status?
For 2026, many filers use the standard deduction: about $15,000 for single, $30,000 for married filing jointly, with different amounts for head of household and married filing separately. If itemized deductions exceed your standard amount, itemizing may reduce taxable income further. Confirm amounts with IRS guidance for your tax year.
How much take-home pay from $100K salary in California?
Use our US salary calculator—averages ~$72K after federal, state, and FICA taxes for single filers. California state tax adds ~$5K. Results vary by filing status, deductions, and 401k contributions.
Best mortgage calculator for FHA loans?
Our mortgage calculator supports conventional, FHA, VA, and USDA loans. Enter loan type, down payment, and rate to get PITI, amortization schedule, and total interest.