What does your salary really pay?
Ten free 2026 calculators for the money questions that actually come up: what your salary really pays after taxes, the fastest way out of debt, what that house or car really costs, and how your savings grow. Every calculation happens in your browser — nothing you type is sent anywhere.
Take-Home Pay Calculator →
Enter a salary and see your net pay, or enter the monthly take-home you want and get the gross salary to quote. Filing status, state taxes, 401(k), HSA, and health premiums included.
Mortgage Calculator →
Monthly payment, total interest, and a year-by-year payoff schedule — including what extra principal payments save you.
Credit Card Payoff Calculator →
How long until the balance is gone, what it costs in interest — or the monthly payment needed to hit the debt-free date you want.
Compound Interest Calculator →
Watch savings grow with monthly contributions — ending balance, interest earned, and a year-by-year table.
Buy Now, Pay Later Calculator →
Pay-in-4 schedules with late-fee scenarios, and financed plans compared against a credit card.
Parenting Money →
College savings projections and the back-to-work math: second income vs childcare and work costs.
Auto →
How much car you can afford under standard rules, and lease vs buy compared over your ownership horizon.
Real Estate Investing →
Rental property analyzer (cash flow, cap rate, cash-on-cash, 1% rule) and a BRRRR calculator.
Workplace Benefits →
HSA vs FSA tax savings and forfeiture risk, and Roth vs Traditional 401(k) with a breakeven retirement tax rate.
Equity Compensation →
RSU vest taxes (and the withholding gap) and ISO vs NSO after-tax proceeds across exercise strategies.
How the numbers work
- Federal tax uses the official 2026 brackets and standard deduction — every bracket is applied separately, so only income inside a bracket is taxed at that rate.
- FICA is split out properly: Social Security stops at the wage base, Medicare doesn't, and the 0.9% additional Medicare tax kicks in above $200k.
- State pages cover each supported state's income tax plus the payroll items people miss — like Washington's WA Cares and Paid Family & Medical Leave.
Common questions
What is take-home pay?
Take-home pay (net pay) is what lands in your bank account after federal income tax, Social Security, Medicare, state taxes, and any pre-tax deductions like 401(k) contributions or health insurance premiums are withheld from your gross salary.
How accurate are these calculators?
They use verified 2026 federal tax brackets, the standard deduction, and FICA figures from IRS and Social Security Administration publications. They assume the standard deduction and no tax credits, so treat results as planning estimates, not a tax return.
Do you store or send my salary information anywhere?
No. Every calculation happens entirely in your browser. Nothing you type is sent to a server, stored, or tracked.