Money math, without the sign-up form
Straightforward calculators for take-home pay, loan payoff, savings growth and overtime. Everything runs in your browser — your numbers never leave your device and nothing is stored.
Calculate your take-home pay
Paycheck & Taxes
- Paycheck Calculator See your exact take-home pay after federal tax, FICA and state withholding.
- Self-Employment Tax Calculator See your Social Security and Medicare tax on freelance or business income, including the deduction most people miss.
- Sales Tax Calculator Add sales tax to a price, or work backwards from a tax-included total to find the price before tax.
- Bonus Tax Calculator See what a bonus is taxed under the flat 22% method versus what you likely actually owe.
Loans & Debt
- Loan Payoff Calculator Find out how much interest an extra monthly payment saves, and how many years it cuts.
- Credit Card Payoff Calculator See how long minimum payments really take, and what paying more does to that.
- Mortgage Calculator Full PITI payment — principal, interest, taxes, insurance and PMI — including when PMI drops off.
Saving & Investing
- Compound Interest Calculator Project your savings over time with monthly contributions and any compounding schedule.
- Savings Goal Calculator Work out the monthly deposit needed to hit a target by a given date.
- 401(k) Contribution Calculator Project your 401(k) balance at retirement, including employer match and the IRS contribution limit.
- Roth vs Traditional 401(k) Calculator See which account type leaves you more spendable money at retirement, at your own tax assumptions.
Hours & Wages
- Overtime Pay Calculator Calculate time-and-a-half and double-time pay, including bonuses folded into the FLSA regular rate.
- Hourly to Salary Calculator Convert an hourly wage to annual salary, and back, accounting for unpaid time off.
- Time Card Calculator Add up a weekly timesheet with breaks and get total hours plus gross pay.
- Salary to Hourly Calculator Turn an annual salary into a true hourly rate based on hours actually worked.
Paycheck calculators by state
State withholding is the difference between two people on identical salaries taking home thousands of dollars apart. Pick your state for figures that include it.
- Alaska
- Florida
- Nevada
- South Dakota
- Tennessee
- Texas
- Washington
- Wyoming
- New Hampshire
- Pennsylvania
- Colorado
- Illinois
- Indiana
- Michigan
- Arizona
- North Carolina
- Ohio
- Minnesota
- Iowa
- Maryland
- Virginia
- West Virginia
- Delaware
- District of Columbia
- Massachusetts
- Rhode Island
- Maine
- Georgia
- South Carolina
- Mississippi
- Louisiana
- Kentucky
- Arkansas
- Kansas
- North Dakota
- Oklahoma
- Oregon
- Montana
- New Mexico
- Hawaii
Nothing is uploaded
Every calculation happens in your browser. No account, no cookies storing your salary, no data sent to a server.
Sources are cited
Each calculator links to the IRS or state revenue page its figures come from, so you can check the numbers yourself.
Assumptions are shown
We list what each tool does and does not account for. An estimate you cannot audit is worth very little.