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Money calculators that show their work.
Mortgage, paycheck, loans, savings, sales tax and more — 19 calculators, 102 state-specific tools, and guides that compute their own numbers. Every result comes with the formula behind it, so you understand the number, not just see it.
- 19
- calculators
- 102
- state tools
- 2026
- tax data
Example · $400,000 home, 20% down, 6.5%, 30 yrs
Estimated monthly payment
$2,547.62
- Principal & interest
- $2,022.62
- Property tax
- $400.00
- Home insurance
- $125.00
- Total interest over 30 yrs
- $408,142
Most used
Home
Mortgage Calculator
Free mortgage calculator. See your full monthly payment including principal, interest, property tax, insurance and HOA, plus total interest over the life of the loan.
Income
Paycheck Calculator
Free 2026 paycheck calculator. Enter your salary, filing status and pay frequency to see your take-home pay after federal income tax, Social Security and Medicare.
Savings
Compound Interest Calculator
Free compound interest calculator with monthly contributions and a year-by-year table. See how your savings or investments grow over time at any rate and compounding frequency.
Loans
Debt Payoff Calculator
Free debt payoff calculator. Enter all your debts, choose snowball or avalanche, and see your debt-free date, total interest, and how much an extra payment saves.
Three numbers most people get wrong
Computed live from the same engines behind every tool on the site, with 2026 rates. Change any input on the linked calculator and watch the receipt update.
Paycheck
$75,000 salary, single, no state tax
$2,369 biweekly
- Federal income tax / yr
- −$7,670
- Social Security + Medicare
- −$5,738
- Take-home per year
- $61,593
Compound interest
$10,000 start + $500/mo at 7% for 20 years
$300,851
- You deposit
- $130,000
- Interest earned
- $170,851
- Growth multiple
- 2.31×
Extra payments
$300,000 mortgage at 6.5%, +$200/mo
$103,449 saved
- Scheduled payoff
- 30 years
- With extra payments
- 23 yrs 1 mo
- Years erased
- 6 yrs 11 mos
Take-home pay by state
Federal taxes are identical everywhere, so the entire gap between states comes from state and local income tax. On a $75,000 single-filer salary in 2026, the difference between the friendliest states and the steepest is about $5,989 a year — before local taxes in places like New York City, Philadelphia and most of Ohio push the bottom lower still.
The nine states with no wage tax tie at the top. The bottom is Oregon, Hawaii and a cluster of graduated-rate states that hit middle incomes early. Every state has its own calculator with exact 2026 brackets, and a side-by-side comparison tool prices out a move in one screen.
Highest take-home on $75K
| State | Take-home / yr |
|---|---|
| Alaska | $61,593 |
| Florida | $61,593 |
| Nevada | $61,593 |
| New Hampshire | $61,593 |
| South Dakota | $61,593 |
…and 4 more no-income-tax states at the same figure.
Highest combined sales tax
| State | Avg. combined |
|---|---|
| Louisiana | 10.13% |
| Tennessee | 9.61% |
| Washington | 9.57% |
| Arkansas | 9.48% |
| Alabama | 9.46% |
Lowest combined sales tax
| State | Avg. combined |
|---|---|
| Delaware | 0% |
| Montana | 0% |
| New Hampshire | 0% |
| Oregon | 0% |
| Alaska | 1.82% |
Sales tax at the register
Sales tax is the tax people track least and pay most often. It's a combination of a state rate and, in most states, county, city and district add-ons — which is why two addresses in the same metro can differ by a full percentage point. Louisiana's average combined rate of 10.13% is the nation's highest; Delaware, Montana, New Hampshire and Oregon charge nothing.
Every state has a calculator preloaded with its current rates — state-only, state plus average local, or your exact locality — that works forward from a price or backward from a receipt total. Online orders are taxed at your delivery address, so the same tool answers "what will this cart cost" for anything you ship home.
Hourly wage → yearly salary, at a glance
Full-time, year-round (40 hours × 52 weeks). After-tax figures are single-filer federal estimates before state tax. Tap a wage for the full breakdown, part-time schedules and overtime math.
$15/hr
$31,200/yr
≈ $27,249 after tax
$18/hr
$37,440/yr
≈ $32,263 after tax
$20/hr
$41,600/yr
≈ $35,606 after tax
$22/hr
$45,760/yr
≈ $38,948 after tax
$25/hr
$52,000/yr
≈ $43,962 after tax
$30/hr
$62,400/yr
≈ $52,318 after tax
$35/hr
$72,800/yr
≈ $60,045 after tax
$40/hr
$83,200/yr
≈ $67,361 after tax
$45/hr
$93,600/yr
≈ $74,678 after tax
$50/hr
$104,000/yr
≈ $81,994 after tax
Every wage from $12 to $60 has its own page — browse them all, or convert any rate with the hourly to salary calculator.
The 2026 federal numbers that drive every paycheck
Four figures explain most of the gap between salary and take-home. The standard deduction — $16,100 for single filers and $32,200 for married couples filing jointly — is income taxed at 0%. Above it, the brackets are marginal: only the dollars inside each bracket pay that bracket's rate, which is why a $75,000 earner sits "in the 22% bracket" but pays an effective federal rate near 10.2%.
Social Security takes 6.2% of wages up to $184,500, then stops for the year. Medicare takes 1.45% of everything, plus 0.9% above $200,000. Neither has a standard deduction — they apply from the first dollar, which makes FICA the larger fixed bite for most workers under six figures.
Marginal vs. effective rate, explained → · Pull this data from the free API →
2026 federal brackets · single filer
| Taxable income | Rate |
|---|---|
| Up to $12,400 | 10% |
| $12,401 – $50,400 | 12% |
| $50,401 – $105,700 | 22% |
| $105,701 – $201,775 | 24% |
| $201,776 – $256,225 | 32% |
| $256,226 – $640,600 | 35% |
| Over $640,600 | 37% |
Standard deduction $16,100 (single) · $32,200 (married) · Social Security wage base $184,500. Source: IRS.
Every calculator
Income
Also: paycheck calculators for all 50 states + D.C. · sales tax by state · hourly wage to salary · salary to hourly · compare two states
Four decisions, and the order to run the numbers
Buying a home
Start with the mortgage calculator — not for principal and interest alone, but for the full payment with property tax, insurance and HOA, because that's the number a lender uses to decide what you can afford and the number that actually leaves your account. Then open the amortization calculator on the same loan (the mortgage result links straight to it) and add an extra monthly payment: on a $300,000 loan at 6.5%, $200 a month erases nearly seven years and about $103,449 of interest. Finally, size the down payment with the savings goal calculator, which turns "we need $60,000" into a monthly deposit and a date.
Comparing job offers or a move
Offers are quoted in gross; life runs on net. Run each offer through the paycheck calculator with its real state, then use the compare tool to see the two side by side — moving the same $75,000 from New York to Florida keeps you about $3,450 a year before NYC's city tax widens it. If one offer is hourly and the other salaried, the hourly-to-salary calculator puts them on equal footing, and the hourly vs. salary guide walks through the overtime and paid-leave trade-offs that the raw rate hides.
Compare two states →Hourly to salary →Hourly vs. salary guide →
Getting out of debt
List every balance in the debt payoff calculator with its APR and minimum, add whatever extra you can commit each month, and toggle between avalanche (highest rate first, least interest) and snowball (smallest balance first, quickest wins). The chart shows both curves against paying minimums only — on the default example, $200 a month extra turns a ten-year slog into six years and eight months and saves about $10,254 in interest. Considering consolidation? Price the loan in the loan payment calculator first and compare total interest, not monthly payment.
Saving and investing
The compound interest calculator is the one that changes behavior: $500 a month at 7% for 20 years ends near $300,851 on $130,000 of deposits, and the chart makes the gap between the two lines impossible to unsee. Pair it with the 401(k) guide — a $6,000 contribution costs far less than $6,000 of take-home because it comes out before tax — and the savings goal calculator for the near-term targets (emergency fund, car, trip) that belong in a high-yield savings account rather than the market.
Compound interest →Savings goal →What a 401(k) really costs →
Nine rules of thumb, with the math behind each
Shortcuts are useful when you know where they come from — and where they break. Each rule below is worked with real 2026 figures and linked to the calculator that does it exactly.
The Rule of 72
Divide 72 by an annual return to estimate how many years money takes to double. At 7%, about 10.3 years; at 4%, 18; at 10%, 7.2. It's accurate within a few months for rates between 4% and 12% and a quick sanity check on any growth projection. Where it breaks: it ignores contributions — most real portfolios double faster because you keep adding.
Compound interest calculator →The 28/36 rule
Housing under 28% of gross income, all debt payments under 36%. On $80,000 that's $1,867 a month for the full housing payment and $2,400 for housing plus every other debt. Lenders may approve well past these lines — the rule marks comfort, not eligibility. Where it breaks: high-cost metros, where 28% buys very little and the honest answer is a longer commute or a roommate.
Mortgage calculator →The 40× rent screen
Landlords typically require annual income of 40 times the monthly rent — the 30% rule rearranged. $2,000 rent screens at $80,000; $2,500 at $100,000. For your own budget, apply 30–35% to take-home instead: on a $60,000 salary that's about $1,260 a month, not the $1,500 the gross version suggests.
Rent affordability guide →50/30/20
Half of take-home to needs, 30% to wants, 20% to savings and extra debt payments — applied to net pay, not salary. On $75,000 with no state tax that's $2,566 / $1,540 / $1,027 a month. The rule's real job is diagnosis: if needs run 60%, the fix comes from wants, not from savings.
50/30/20 on a real paycheck →Take-home ≈ 79–85% of gross
For single filers between $50,000 and $100,000 with no state tax, federal income tax plus FICA removes roughly 15–21% of gross — at $75,000 exactly 82.1%. Subtract your state's rate from there. Where it breaks: pre-tax 401(k) and health premiums lower the taxable base, and married-joint filers keep more; the calculator does the full stack.
Paycheck calculator →Marginal ≠ effective
Being "in the 22% bracket" means your top dollars are taxed at 22%, not all of them. A $75,000 single filer's effective federal income tax rate is about 10.2%. Use marginal for decisions (what a 401(k) dollar saves you) and effective for budgeting (what share of income goes to tax). A raise cannot lower your take-home; only benefit cliffs can.
Marginal vs. effective, explained →Hourly × 2,080
Multiply an hourly wage by 2,080 (40 hours × 52 weeks) for the full-time annual figure: $25 is $52,000, $35 is $72,800. Divide a salary by 2,080 to go the other way. Where it breaks: unpaid time off (two weeks unpaid turns $25/hour into $50,000) and overtime, which pays 1.5× and can push real earnings well above the straight-time conversion.
Hourly to salary calculator →Emergency fund = 3–6 months of essentials
Multiply essential monthly expenses — not total spending — by three (dual-income, stable field) to six (single income, freelance, kids, older house). If you could survive a job loss on $3,400 a month, the target is $10,200 to $20,400, kept in a high-yield savings account at a separate bank. A $15,000 fund at 4% APY earns about $600 a year just for existing.
Sizing your emergency fund →Extra principal beats extra everything
Any amount paid above a loan's scheduled payment goes to principal, and every future payment then carries less interest — the savings compound. $200 a month on a $300,000 mortgage at 6.5% removes 83 payments and $103,449 of interest. The same logic makes the avalanche method mathematically optimal for debt: highest rate first, always.
Amortization with extra payments →Guides that compute their own numbers
All articles →Every figure in every article is generated by the same tax engines as the calculators — when the data updates each January, the articles update with it.
How to Convert Hourly Pay to Salary (and Salary to Hourly)
How much a year is your hourly wage? The 2,080-hour formula, a chart from $15 to $60 an hour with monthly, biweekly and after-tax pay, part-time and overtime examples, and how to convert a salary back to an hourly rate.
How to Calculate Tax Percentage (With Examples)
How to calculate tax as a percentage: your effective tax rate, the percent of your paycheck that goes to taxes, sales tax percentage from a receipt, and the difference between marginal and effective rates, with 2026 examples.
2026 Federal Income Tax Brackets: Rates, Tables and Examples
The 2026 federal income tax brackets for single, married filing jointly and head of household filers, the standard deduction, how brackets work with a worked example, and how 2026 compares with 2025.
FICA Tax in 2026: Rates, the Wage Base and How Much You'll Pay
FICA tax for 2026 explained: the 7.65% employee rate, the $184,500 Social Security wage base, the 0.9% Additional Medicare tax, self-employment tax, refunds of excess withholding and who is exempt, with tables.
Pre-Tax vs. After-Tax Deductions: What's the Difference?
Which paycheck deductions are pre-tax and which are after-tax, which ones skip Social Security and Medicare, 2026 contribution limits, and how much each one really costs your take-home pay.
How to Calculate Your Paycheck in 2026: Step by Step
How to calculate take-home pay from gross pay: pre-tax deductions, federal withholding, Social Security, Medicare and state tax, with worked 2026 examples for hourly and salaried workers and a 10-state table.
How we keep the numbers right
One set of engines powers everything: the calculators, the 102 state pages, the 28 articles, the embeddable widgets and the public API. Federal parameters come from the IRS's annual revenue procedure. State income tax brackets and deductions come from state statutes as of January 1, cross-checked against the Tax Foundation's compilation. Sales tax rates are population-weighted state and local figures as of July 1. Loan math is the standard amortization formula every lender uses.
Because articles compute their figures instead of quoting them, a calculator and an article can never disagree — and when a data file is updated in January, every page that depends on it updates on the next build. Errors reported by readers are fixed within days; the contact page is the fastest way to reach a person.
Built by
Mo Basha
Runs payroll, sales-tax compliance and e-commerce operations for small businesses in New York — the same calculations these tools perform. Built DollarCalcs because every calculator site buried a simple tool under pop-ups and sign-up walls.
Frequently asked questions
+Are the calculators really free?
Yes — every tool, every state page, and every article is free with no account, no paywall, and no limits. The site is supported by advertising that stays outside the calculators themselves.
+Is my data stored?
No. Every calculator runs entirely in your browser. Nothing you type is sent to a server, saved, or shared. Close the tab and it's gone.
+How current are the tax rates?
Federal figures come from the IRS's 2026 revenue procedure; state income tax rates are as of January 1, 2026; sales tax rates as of July 1, 2026. Everything is reviewed and updated each January and July.
+Why do my results differ from my actual paycheck?
The paycheck calculators assume the standard deduction, single-filer state parameters, and no dependents, credits, or local taxes. Employer withholding also follows your W-4, which can over- or under-withhold relative to your final tax bill. Use the results for planning and comparison; use your pay stub for reconciliation.
+Can I use these calculators on my own website?
Yes. Every calculator can be embedded with one snippet from the widgets page, free of charge, as long as the attribution link stays visible. Developers can also pull the underlying tax data from the free JSON API.
+Are the results financial advice?
No. The calculators produce estimates based on the figures you enter and simplified assumptions. They're built to help you understand your options, not to replace a tax professional, lender, or financial adviser for major decisions.
+Who builds and checks the calculators?
DollarCalcs is built by Mo Basha, who handles payroll, sales-tax compliance, and e-commerce reporting for small businesses. Every formula is standard lender or IRS math, every article's figures are computed rather than typed, and reported errors are fixed within days.
+Which calculator should I start with?
Most people start with their state's paycheck calculator to see real take-home pay, then the mortgage or rent tools to size housing, then the compound interest calculator to see what saving the difference does over time. The all-calculators page has a guide by life situation.
DollarCalcs provides estimates and general information, not financial, tax or legal advice. Confirm important decisions with a qualified professional.