Free US finance calculators
you can actually trust.
Paycheck, mortgage, retirement, and tax calculators built on IRS and state-published data, with every formula and source shown openly.
Mortgage Calculator
Estimate your full monthly payment with principal, interest, property tax, home insurance, PMI, and HOA, plus a full amortization schedule showing every year of the loan.
Avg US 30-yr rate
~6.85%
Median home price
$420K
Down payment
20% standard
PMI threshold
< 20% down
Popular calculators
Most-used tools on Calcora: all free, all accurate, all show their math.
Mortgage Calculator
Monthly payment with PITI + PMI + amortization
TaxFederal Income Tax
2026 IRS brackets and standard deduction
InvestingCompound Interest
Project investment growth with monthly contributions
TaxCalifornia Paycheck
Take-home pay after federal and CA state taxes
TaxTexas Paycheck
Take-home pay, no state income tax in TX
TaxCapital Gains Tax
Long-term vs short-term federal tax on gains
More free calculators
Everyday math tools that do not need any tax or financial data.
Browse by category
State paycheck calculators, 1099 self-employment tax, federal brackets, capital gains, salary ↔ hourly, and more.
Explore tools
Mortgage, auto loan, and payment calculators with transparent formulas.
Explore tools
401(k), compound interest, and retirement projections with clear assumptions.
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Paycheck calculator by state
Accurate take-home pay calculators for major US states.
California
Up to 12.3% state tax
Texas
No state income tax
Florida
No state income tax
New York
Up to 10.9% state tax
Washington
No state income tax
Nevada
No state income tax
Tennessee
No state income tax
Wyoming
No state income tax
South Dakota
No state income tax
Alaska
No state income tax
New Hampshire
No state income tax
North Carolina
Up to 4% state tax
Arizona
Up to 2.5% state tax
Illinois
Up to 5% state tax
Michigan
Up to 4.3% state tax
Indiana
Up to 2.9% state tax
Pennsylvania
Up to 3.1% state tax
Colorado
Up to 4.4% state tax
Virginia
Up to 5.8% state tax
Ohio
Up to 2.8% state tax
Massachusetts
Up to 9% state tax
Georgia
Up to 5% state tax
New Jersey
Up to 10.8% state tax
Maryland
Up to 6.5% state tax
Capital gains tax by state
How each state taxes your investment and property gains, on top of federal capital gains tax.
Salary to hourly: quick answers
Common US annual salaries and their hourly equivalent at 40 hrs/week, 52 weeks/year.
Why Calcora
Sourced from IRS
Every federal calculation cites the IRS Revenue Procedure it's based on. No black-box math.
State-specific
All 50 states with their actual tax brackets and standard deductions, not generic estimates.
Transparent formulas
We show the bracket math step by step so you can verify every number.