Tools
46 calculators, built on figures we publish
Each tool reads the same sourced rates as the articles beside it, so a result and the guidance around it can never disagree. Nothing you type leaves your browser.
Taxes
All taxes- Bonus Tax Calculator What lands in your account after a bonus is withheld. All 50 states 5 sourced figures
- Car Sales Tax Calculator Sales tax on a vehicle, after the trade-in credit. All 50 states 3 sourced figures
- Sales Tax Calculator State plus average local sales tax on any purchase. All 50 states 3 sourced figures
- State Income Tax Calculator What you owe your state, on top of federal tax. All 50 states 4 sourced figures
Paycheck & Salary
All paycheck & salary- Hourly to Salary Calculator Convert an hourly rate to annual pay, and back again. All 50 states 1 sourced figures
- Job Offer Comparison Calculator Two offers compared on match, premiums and commute, not just salary.
- Overtime Pay Calculator Time-and-a-half, daily overtime and double-time by state. All 50 states 1 sourced figures
- Paycheck Calculator Your take-home pay after federal tax, FICA and state withholding. All 50 states 7 sourced figures
- Raise Calculator What a raise is worth after tax, and after inflation.
Small Business
All small businessMortgages & Home
All mortgages & home- Closing Cost Calculator Cash needed at closing, as a range rather than a false precision.
- Mortgage Affordability Calculator What price your income supports, at the 28% and 36% DTI limits. All 50 states 1 sourced figures
- Mortgage Payment Calculator Principal, interest, insurance and state property tax, per month. All 50 states 1 sourced figures
- Property Tax Calculator Annual property tax from your home value and state. All 50 states 1 sourced figures
- Refinance Break-Even Calculator How long before the closing costs are recovered, and what it costs overall.
- Rent vs Buy Calculator Total cost of renting against owning, over the years you will stay. 1 sourced figures
Loans & Debt
All loans & debt- Auto Loan Calculator Monthly payment with the trade-in, sales tax and total interest. 1 sourced figures
- Debt Payoff Calculator What an extra payment takes off the date and off the interest.
- Lease vs Buy Calculator Total paid either way, with the car you own at the end priced in.
- Student Loan Payoff Calculator Payoff date and interest, and what an extra payment changes.
- True Cost of Car Ownership Calculator Depreciation, fuel, insurance and upkeep, per year and per mile.
Banking & Savings
All banking & savingsCredit Cards & Credit
All credit cards & creditInvesting & Retirement
All investing & retirement- 401(k) Growth Calculator Project your balance at retirement, with the employer match. 3 sourced figures
- Compound Interest Calculator What you put in, what it grows to, and the split between them.
- FIRE Number Calculator The portfolio your spending needs, and how long to build it.
- Net Worth Calculator Assets less debts, with the liquid figure stated separately.
- Roth vs Traditional Calculator Which account wins, at the tax rates you expect now and later.
Insurance
All insurance- HDHP vs PPO Calculator Which plan costs less over a year, after the HSA tax break.
- Home Insurance Coverage Calculator Cover sized on the cost to rebuild, not on the market value. 1 sourced figures
- Insurance Deductible Calculator Whether a higher deductible pays, and how often a claim breaks even.
- Life Insurance Needs Calculator How much cover a household needs, by the DIME method.
Family & Legal Money
All family & legal moneyCost of Living
All cost of living- 50/30/20 Budget Calculator Your spending against the 50/30/20 shape, and the gap in each bucket.
- Commute Cost Calculator What the drive costs a year, in money and in hours.
- Cost of Living Calculator What your salary covers, after state income tax and sales tax. All 50 states 5 sourced figures
- Electricity Cost Calculator Your bill a month, a year, and over a decade of rising rates.
- Fuel Cost Calculator What fuel costs you a year, and what a thriftier car would save.
- Inflation Calculator What an amount buys later, and what you would need instead.
- Moving Cost Calculator The cash a move needs, including the parts nobody budgets for.
- Solar Payback Calculator Years to recover the net cost, and the 25-year position.
- Tip Calculator Tip, total and the split, on the bill or on the pre-tax subtotal.
- Utility Bill Calculator Every utility in one total, per month, per year and per person.
Where these numbers come from
Federal rates come from the IRS and the Social Security Administration. State rates come from the Tax Foundation and state revenue departments, and minimum wage from the US Department of Labor. Every figure carries its source and effective date on the page it appears.
How we source figures