Money Calculators

8 tools for what you earn and what you owe — from the number on your payslip to the last payment on your debt.

The most useful thing to know before opening any of these: your tax bracket is not your tax rate. A single filer earning $100,000 reaches the 22% bracket, but pays $13,170 in federal income tax — an effective rate of 13.2%, because the $16,100 standard deduction comes off first and every dollar below the top bracket is taxed at a lower rate.

That figure is federal income tax only for tax year 2026 — it excludes Social Security, Medicare and state tax, which is exactly why the paycheck calculator and the income tax calculator are separate tools rather than one.

Start here

Most people arrive wanting one of five things. In rough order of how often they are asked:

“What will actually hit my bank account?” — work out your take-home pay per paycheck, with your state, filing status and 401(k) contribution applied.
“What do I owe for the year?” — see your federal bill bracket by bracket, or look up the 2026 brackets directly.
“Is this job offer actually better?” — convert a salary to an hourly rate (or back), which is the only honest way to compare offers with different hours.
“Why was my bonus taxed so heavily?” — see what withholding took versus what you actually owe. The 22% flat rate is withholding, not your tax bill, and the difference comes back.
“When am I out of debt?” — compare snowball against avalanche and see the payoff date and interest saved side by side.

Self-employed? The self-employment tax calculator handles the 15.3% that catches people out in their first year of freelancing — an employer was previously paying half of it for you.

Your bracket is not your rate

Every tool here shares one idea, and it is worth seeing in a table. The marginal column is the bracket people quote; the effective column is what they actually pay. Single filer, 2026 federal income tax, standard deduction, no other income:

Salary	Federal income tax	Top bracket	Effective rate
$50,000	$3,820	12%	7.6%
$75,000	$7,670	22%	10.2%
$100,000	$13,170	22%	13.2%
$150,000	$24,734	24%	16.5%
$250,000	$51,304	32%	20.5%

The two columns never meet, and the gap is widest for middle incomes. This is also why a raise cannot leave you worse off: only the dollars above the threshold are taxed at the higher rate. Add Social Security, Medicare and state tax and the real picture changes again — which is what the paycheck calculator is for.

Every money calculator

Paycheck CalculatorTake-home pay after federal, FICA, and state tax — with pre-tax deductions.
Salary to Hourly CalculatorConvert annual pay to a true hourly rate and back — with overtime and real weeks worked.
Self-Employment Tax CalculatorSchedule SE on your net profit, what a day job does to it, and what to set aside each quarter.
Bonus Tax CalculatorWhat a bonus actually pays after the flat 22% withholding — and why that is not your real tax.
Lottery Tax CalculatorWhat a jackpot actually pays — lump sum vs. annuity, federal brackets, and your state.
Income Tax CalculatorFederal brackets by filing status → tax owed, effective and marginal rates.
Loan & Auto CalculatorAmortize any loan; auto mode adds sales tax, fees, and trade-in rollover.
Debt Payoff CalculatorSnowball vs. avalanche, side by side — payoff date and total interest saved.

Going deeper

Take-home pay varies enormously by state on identical salary — the take-home pay study ranks all 50, and the lottery jackpot study does the same for a $1 billion prize. Every calculator here documents its formula, assumptions and sources on a methodology page, and corrections go through a published process.

Common questions

Which calculator should I use for my paycheck?

Use the paycheck calculator if you want what actually lands in your account — it applies federal tax, Social Security, Medicare and your state's income tax to a specific pay frequency. Use the income tax calculator instead if you want the annual federal picture and a bracket-by-bracket breakdown. They answer different questions from the same underlying data.

Why is my tax bill lower than my tax bracket suggests?

Because a bracket is a rate on your LAST dollar, not on all of them. On $100,000 as a single filer, the top bracket reached is 22% — but after the $16,100 standard deduction and the lower brackets underneath, the federal bill is $13,170, an effective rate of 13.2%. The gap between those two numbers is the single most common misunderstanding in personal tax.

Do these include state taxes?

The paycheck, income tax and crypto tax calculators do, for all 50 states, each on its own page with that state's brackets and rules. The bonus, self-employment and lottery calculators handle the federal side; where a state materially changes the answer, the page says so rather than quietly giving you a federal-only figure.

Which tax year do these use?

Federal rules are 2026, verified 2026-07-22. State tables update on their own schedule as each state publishes, and every state page shows its own as-of date rather than implying they all moved at once.

Are these free?

Yes — free, no signup, no paywall, and nothing you type is uploaded. The calculations run in your browser and your figures stay on your device.

Federal rules for tax year 2026, verified 2026-07-22; state tables carry their own as-of dates. Estimates for general information only — not financial, tax, or investment advice.