Free Financial Calculators for Americans — 2026 Tax & Salary Tools
Calculate your take-home pay, federal and state taxes, mortgage payments, retirement savings, and more — using current 2026 IRS rates and real state tax brackets. Free, no signup required.
Most Popular
Top Free Tax & Salary Calculators (2026)
Instant, accurate results — no login required.
Salary After Tax Calculator
Find out exactly how much of your annual salary you actually take home.
Paycheck Calculator
See your exact take-home pay after all federal and state deductions.
Tax Calculator
Estimate your federal and state income tax bill for 2026.
Crypto Tax Calculator
Calculate Bitcoin, Ethereum, and crypto capital gains tax for 2026.
Mortgage Calculator
Calculate your monthly mortgage payment, total interest, and full amortization.
401k Calculator
Project your 401k balance at retirement with employer match and compound growth.
Lottery Tax Calculator
See exactly how much you keep from a Powerball or Mega Millions jackpot after federal and state taxes.
Bonus Tax Calculator
Calculate how much of your bonus you'll actually take home after the 22% flat federal withholding and state taxes.
Crypto Tax • Lottery Tax • Bonus Tax • Biweekly Pay
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Free Financial Calculator Categories
2026 Tax Resources
2026 Federal Tax Rates & Information
Quick reference guides for this year's IRS numbers — no calculator needed.
2026 Federal Tax Brackets
Complete table of all 7 federal tax brackets for single, married, and head of household filers.
2026 Standard Deduction
$15,000 single · $30,000 married · $22,500 HOH — full breakdown plus additional 65+/blind deductions.
Minimum Wage by State 2026
All 50 states + DC — which states pay above the $7.25 federal minimum and by how much.
2026 Tax Law Changes
What's new: updated FICA wage base, 401(k) limits, TCJA expiration risk, and more.
Lottery Tax Calculator
Powerball or Mega Millions? See exactly how much you keep after federal and state taxes.
Bonus Tax Calculator
How much of your bonus do you actually keep? Calculate the 22% flat withholding vs aggregate method.
By State
State Income Tax Calculators — All 50 States + DC
Tax rates vary widely by state — see your actual take-home pay with your state's exact rates.
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Free Personal Finance Guides & Articles
Plain-English guides explaining the numbers behind your money.
2026 Tax Changes: What's New for Your Taxes This Year
Key tax changes for 2026: updated federal tax brackets, higher standard deductions, new Social Security wage base, IRA and 401(k) contribution limits, and potential TCJA impact. Updated for the 2026 tax year.
How Tariffs Are Raising Your Cost of Living in 2026 — And What You Can Do
The 2026 tariff wave is costing the average American household $1,000–$1,500 per year in higher prices. This guide breaks down which categories are most affected, how to calculate your personal tariff tax, and actionable steps to protect your budget.
SAVE Plan Is Over: What Every Student Loan Borrower Must Do in 2026
The SAVE income-driven repayment plan is being shut down, involuntary collections are restarting in 2026, and new repayment plans take effect July 2026. This guide explains exactly what changed, what your options are, and the steps to take before your loans go into default.
Why Trust Us
Accurate Financial Calculations You Can Rely On
US Finance Lab is built by finance professionals using official IRS publications and state tax authority data.
2026 IRS Tax Brackets
Federal brackets, standard deductions, AMT thresholds, and FICA rates sourced from official IRS publications.
All 50 States + DC
Every state calculator uses that state's actual tax brackets, flat rate, or zero-tax rules — not estimates.
Built by Finance Professionals
Formulas reviewed by CPAs and tax professionals. Methodology is publicly documented and transparent.
2020–2026 Year Comparison
Compare any two tax years side by side to see how bracket changes, inflation, and new laws affect your results.
Estimates, Not Financial Advice
All results are estimates based on standard assumptions and published tax rates. Tax situations vary. Use these tools for planning — consult a CPA or financial advisor for major decisions.
When are calculators updated?
We update all calculators at the start of each tax year to reflect new IRS brackets, standard deductions, FICA wage bases, 401(k) limits, and state tax law changes. Current data is 2026 tax year with historical comparison data back to 2020.