Free money calculators

Federal take-home pay for 2026.

When you are weighing an offer or a raise and need the number that actually lands in your account, not the headline salary.

Convert a wage to a salary, either direction.

When comparing an hourly role against a salaried one, or working out what a rate is worth annually.

What a sale costs, and what you keep.

Before selling a stock, a rental or a second home. The one-year holding line changes the rate schedule entirely, so it is worth checking first.

What your 401(k) becomes, employer match included.

Before you set your contribution rate. The employer match is the highest guaranteed return available to most people, and it is easy to leave part of it unclaimed.

Compared on what you can actually spend.

When choosing where your retirement contributions go. Ending balances mislead, because a traditional balance is partly owed to the IRS.

Payment with PMI, tax and insurance included.

Once you have a price in mind. Most calculators show principal and interest only; this adds the escrow items that make up the real payment.

What regular contributions turn into.

To see what steady monthly investing becomes over decades, and how much of the final balance you never had to contribute.

Avalanche vs snowball, side by side.

When you have several debts and want to know which order to attack them in, and what each strategy costs in interest.

Where you rank among US families.

When you want a real benchmark rather than a vibe. Compares against the national distribution and against your own age group.