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Tax, mortgages, loans, saving, and debt — worked out step by step, with every intermediate figure on the page instead of one number you have to take on trust. Free, no account, and nothing you type leaves your browser.

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Federal Income Tax Your full return: taxable income, tax by bracket, credits, and your refund or balance due. Individual taxes · 2026 Take-Home Pay What actually reaches your account after tax, FICA, benefits, and retirement contributions. Paycheck and payroll · 2026 Self-Employment Tax Schedule SE tax on business profit, the deductible half, and quarterly payments. Business and self-employment · 2026 Capital Gains Tax Short-term versus long-term treatment, capital losses, NIIT, and after-tax proceeds. Investment taxes · 2026 Payroll Tax How FICA splits between employee and employer, and the real cost of a hire. Paycheck and payroll · 2026 Mortgage The full monthly payment including property tax, insurance, and PMI — not just principal and interest. Home and property Loan Payment and amortization for any fixed-rate loan, plus what paying extra would save. Loans and borrowing Investment Project regular investing over time, split between what you add and what growth adds. Saving and investing Credit Card Payoff How long a balance takes to clear, what the interest costs, and what paying extra changes. Debt payoff Sales Tax Add tax to a price, back it out of a total, or find the rate you were charged. Sales and local taxes

Browse by category

Individual taxes

Federal returns, refunds, and deductions for individuals and families.

Paycheck and payroll

What lands in your account, and what an employer actually pays.

Investment taxes

Capital gains, dividends, and the tax on net investment income.

Business and self-employment

Schedule C profit, self-employment tax, and quarterly payments.

Sales and local taxes

Sales tax at the register, and state and local income tax.

Home and property

What a mortgage actually costs each month, and over its life.

Loans and borrowing

Payments, total interest, and amortization on money you borrow.

Saving and investing

How money grows over time, with and without regular contributions.

Debt payoff

How long a balance takes to clear, and what the interest costs.

Estate and retirement

Longer-horizon planning tools.

Where the numbers come from

Tax year 2026 Official IRS figures Last reviewed:

The 2026 rate schedules, standard deductions, and capital gains thresholds used across this site are transcribed from IRS Rev. Proc. 2025-32 as published in Internal Revenue Bulletin 2025-45. The Social Security wage base comes from the Social Security Administration.

Where a figure could not be confirmed against a primary government source, it is left out rather than estimated, and the calculator tells you when that has affected your result. Our methodology page explains how each figure is checked, and sources lists them in full.

For educational and estimation purposes only. Nothing here is tax advice.

Your figures stay on your device

Every calculation runs in your browser. Nothing you type is sent to a server, written to a database, or included in analytics. We never ask for your name, address, Social Security number, or account details, and we have no way to see what you entered.

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