PAY, TAX, DEBT, AND HOUSEHOLD PLANNING

Paychecks, Taxes, Debt & Budgeting Calculators

Plan paycheck, tax, repayment, budget, savings, and cost-of-living scenarios with transparent inputs and source-aware limits.

Choose a calculator

Open a tool and adjust its assumptions for your situation.

49 tools

Pay & tax planning

Salary conversions, paycheck scenarios, federal tax planning, and sales tax.

Salary to Hourly CalculatorConvert annual pay to an hourly rate.Hourly to Salary CalculatorConvert an hourly rate to annual gross pay.Federal Income Tax EstimateEstimate 2026 U.S. federal income tax after the standard deduction.Paycheck CalculatorEstimate 2026 gross pay, withholding, and take-home pay.Hourly Paycheck CalculatorEstimate gross pay and a simplified take-home amount from hourly work.Sales Tax CalculatorAdd or remove a U.S. sales-tax rate.

Savings & retirement

Savings targets, compound growth, and long-term retirement balance scenarios.

Compound Interest CalculatorProject savings growth with monthly contributions.Savings Goal CalculatorEstimate the monthly saving needed for a target.Retirement Savings CalculatorProject a retirement balance from monthly savings.

Debt & daily spending

Credit-card payoff, discounts, tips, and shared bills.

Credit Card Payoff CalculatorEstimate payoff time and interest from a fixed payment.Discount CalculatorFind sale price and savings from a discount.Tip CalculatorCalculate tip, total bill, and amount per person.

Debt, tax, savings, and budgeting

Payoff, tax-payment, HSA, credit-use, emergency-savings, household budget, and cost-of-living scenarios.

Debt Snowball Payoff PlannerEstimate payoff time, interest, and a payment scenario.Debt Avalanche Payoff PlannerEstimate payoff time, interest, and a payment scenario.Minimum Payment Payoff CalculatorEstimate payoff time, interest, and a payment scenario.Balance Transfer Payoff CalculatorEstimate payoff time, interest, and a payment scenario.Debt Payoff Date PlannerEstimate payoff time, interest, and a payment scenario.Debt Consolidation CalculatorModel a fixed-payment scenario with your assumptions.Personal Loan Payment CalculatorModel a fixed-payment scenario with your assumptions.Emergency Fund CalculatorModel a future balance using contributions and an assumed return.Net Worth CalculatorSubtract liabilities from the assets you enter.Reverse Sales Tax CalculatorSeparate a tax-included total using your entered rate.Credit Utilization CalculatorCompare one amount against another as a percentage.Estimated Tax Balance CalculatorCompare a tax estimate with payments made or expected.Quarterly Estimated Tax Payment CalculatorDivide an annual tax estimate into four planning payments.Self-Employment Tax CalculatorModel a Schedule SE-style tax scenario from your own inputs.HSA Contribution per Paycheck CalculatorPlan a per-paycheck HSA contribution amount.50/30/20 Budget CalculatorTurn take-home pay into a simple three-part budget starting point.Monthly Budget Balance CalculatorSee the unassigned or over-budget amount in one monthly view.Cost of Living Comparison CalculatorCompare housing and other monthly costs for two locations.Savings Rate CalculatorCompare one amount against another as a percentage.

State paycheck scenarios

Enter rates and deductions from your own payroll information; no state withholding is inferred.

Texas Paycheck Scenario CalculatorModel a per-paycheck estimate from values on your pay information.California Paycheck Scenario CalculatorModel a per-paycheck estimate from values on your pay information.Florida Paycheck Scenario CalculatorModel a per-paycheck estimate from values on your pay information.Illinois Paycheck Scenario CalculatorModel a per-paycheck estimate from values on your pay information.Washington Paycheck Scenario CalculatorModel a per-paycheck estimate from values on your pay information.New York Paycheck Scenario CalculatorModel a per-paycheck estimate from values on your pay information.Ohio Paycheck Scenario CalculatorModel a per-paycheck estimate from values on your pay information.Pennsylvania Paycheck Scenario CalculatorModel a per-paycheck estimate from values on your pay information.New Jersey Paycheck Scenario CalculatorModel a per-paycheck estimate from values on your pay information.Michigan Paycheck Scenario CalculatorModel a per-paycheck estimate from values on your pay information.

State sales-tax scenarios

Enter a current combined location rate; address lookup and exemptions are not inferred.

Texas Sales Tax Scenario CalculatorUse a current combined rate for a location-specific estimate.California Sales Tax Scenario CalculatorUse a current combined rate for a location-specific estimate.Florida Sales Tax Scenario CalculatorUse a current combined rate for a location-specific estimate.Illinois Sales Tax Scenario CalculatorUse a current combined rate for a location-specific estimate.New York Sales Tax Scenario CalculatorUse a current combined rate for a location-specific estimate.Ohio Sales Tax Scenario CalculatorUse a current combined rate for a location-specific estimate.New Jersey Sales Tax Scenario CalculatorUse a current combined rate for a location-specific estimate.Washington Sales Tax Scenario CalculatorUse a current combined rate for a location-specific estimate.

Before you use these estimates

Tax and payroll figures are sensitive to jurisdiction, period, benefits, and personal status. Budget frameworks also need real household costs. Use official records and current sources before filing, choosing a loan, moving, or changing withholding.