Loading…
Loading…
The most accurate tools to calculate mortgage payoff, salary after tax, compound interest, dividend tax, and more. Make better financial decisions.
Describe what you want to calculate — AI will suggest the right tools.
The tools most used by thousands of users worldwide
Calculate how extra payments reduce your mortgage term and total interest paid. Supports annuity and differentiated payment schedules.
Open calculatorProject your retirement savings with compound interest, employer matching, and inflation adjustment. Based on the 4% withdrawal rule.
Open calculatorCalculate net dividends after tax across 8 countries. Includes withholding rates, surcharges, and tax-free allowances.
Open calculatorFree salary after tax calculator. Find take-home pay for USA (all 50 states), UK, Germany, Canada, France, Australia, Japan, Poland. Federal and state tax.
Open calculatorCompare avalanche and snowball strategies to pay off multiple debts. See total interest saved and your debt-free date.
Open calculatorCalculate loan payments (EMI), total interest, total amount paid, and effective annual rate. Full amortization. Monthly or biweekly.
Open calculatorTools designed to help you make better financial decisions
Get results immediately. No waiting, no sign-up, no hassle.
Our calculators use the most up-to-date formulas and data for 2026.
Your data is never stored. All calculations run locally on your device.
Calculate from any device: phone, tablet, or desktop.
Each calculator includes clear explanations to understand your finances better.
Unlimited access to all calculators. No subscriptions or hidden fees.
Free capital gains tax calculator. Estimate tax on stocks, property, and investments. Short-term vs long-term rates for USA, UK, Canada, Australia, and more.
Open calculatorFree income tax calculator for all 50 US states. Estimate federal + state tax, refund or owed, effective rate, FICA, and child tax credits.
Open calculatorFree paycheck calculator for all 50 US states. Estimate your take-home pay after federal, state tax, and FICA. Salary or hourly, weekly, biweekly, monthly.
Open calculatorConvert hourly wage to annual salary, monthly, biweekly, weekly, and daily income. Includes quick reference rates.
Open calculatorCalculate total assets, total liabilities, and net worth. Includes age-based benchmark comparison from Federal Reserve SCF data.
Open calculatorHow much emergency fund do you need? 3, 6, 9, or 12 months of expenses. Adjust for job stability and dependents.
Open calculatorShould you rent or buy? Compare total costs including mortgage, taxes, appreciation, and opportunity cost over time.
Open calculatorCalculate how inflation erodes purchasing power. See the future or historical value of money with year-by-year breakdown.
Open calculatorCalculate how your savings grow with compound interest. Initial deposit, monthly contributions, and year-by-year breakdown.
Open calculatorSee when you'll reach $1 million. Wealth timeline with milestones, what-if scenarios, and contribution vs. growth breakdown.
Open calculatorAm I underpaid? Compare your salary to BLS median by job, experience, state. Get negotiation targets and percentile.
Open calculatorPlan your wedding costs with category breakdown. What it really costs — months of salary, opportunity cost.
Open calculatorFinancial Independence, Retire Early. Your FIRE number, years to FIRE, savings rate, and year-by-year projection.
Open calculatorCalculate how much you need saved now so you can stop contributing and still retire through compound growth.
Open calculatorEstimate the portfolio needed to leave full-time work, cover expenses with part-time income, and withdraw the remaining gap.
Open calculatorEstimate annual household cost increases from 2026 tariffs by income, spending mix, and category-level price pass-through.
Open calculatorGet a 0-100 score of your overall financial health with a quick, gamified assessment and targeted recommendations.
Open calculatorEstimate 1099 and freelance taxes including self-employment tax, federal/state tax, quarterly payments, and take-home income.
Open calculatorFree raise calculator with taxes. See your real paycheck increase after federal and state tax. Inflation-adjusted raise by state and filing status.
Open calculatorCompare job offers using salary, bonus, equity, 401k match, commute, health costs, PTO, and state tax differences.
Open calculatorTrack recurring habits and see annual cost plus long-term invested value over 5, 10, 20, and 30 years.
Open calculatorCalculate monthly and annual subscription spend, category breakdown, top leaks, and downgrade savings.
Open calculatorCompare salary history against inflation to reveal true purchasing-power growth in current dollars.
Open calculatorEstimate max home price using debt ratios, down payment, mortgage rate, and state-specific property tax assumptions.
Open calculatorCompare Social Security benefits at 62, 67, and 70 with lifetime totals and break-even ages.
Open calculatorCalculate the real cost of owning a car or home including hidden costs, depreciation, fees, and long-term totals.
Open calculatorEstimate 0-18 child lifecycle costs with regional adjustments, childcare scenarios, inflation, and multi-child savings.
Open calculatorEstimate dog and cat ownership costs over their lifespan. Food, vet, grooming, supplies, and regional adjustments.
Open calculatorEstimate tax and 10% penalty on 401(k) early withdrawal. Federal, state, and net you keep by state and income.
Open calculatorHow much to charge per hour to take home your target. Includes self-employment tax, federal, and state tax.
Open calculatorTotal HOA cost over 10–30 years with growth and special assessments. See what condo dues really cost.
Open calculatorEstimate severance lump sum, PTO payout, and runway. 1–2 weeks per year typical. Runway with COBRA.
Open calculatorFair rent division by room size and private bath. Split by sq ft with amenity premium.
Open calculatorCompare major choices like school, relocation, business, and career switch using break-even and NPV.
Open calculatorCalculate tip amount, total with tip, and per-person split. 15–25% presets, split evenly.
Open calculatorFree split bill calculator with tax and tip. Itemized bill split by person. Add items, assign to people, proportional tax & tip. For Venmo and group dinners.
Open calculatorPayoff timeline, total interest, extra payment impact. Compare refinancing. Federal and private loans.
Open calculatorHow much rent can you afford? 30% rule: max rent = 30% of gross income. 25% conservative, 35% stretch.
Open calculatorBuy Now Pay Later: Klarna, Afterpay, Affirm. Compare fee/interest vs pay-in-full. Interest-free, flat fee, or APR.
Open calculatorHow long to save for a home down payment? Target, current savings, monthly contribution, expected return. Year-by-year projection.
Open calculatorWhat car can you afford? 20/4/10 rule: payment ≤10% of income. Max car price from income, down payment, rate, term.
Open calculatorHow much to save before maternity leave? Income gap, unpaid weeks, one-time baby costs. FMLA 12 weeks unpaid.
Open calculatorHow much does a career break cost your retirement? Lost contributions, match, compound growth. 2–5 years out.
Open calculatorCalculate Required Minimum Distribution for IRA/401k. IRS Uniform Lifetime Table, SECURE 2.0 ages 73/75.
Open calculatorCompare taking pension as annuity vs lump sum. NPV analysis with COLA and discount rate.
Open calculatorHow long will your portfolio last? 4% rule, inflation-adjusted withdrawals, year-by-year projection.
Open calculatorEstimate federal and state tax on converting traditional IRA/401k to Roth. All 50 states.
Open calculatorEstimate Medicare Part B and Part D surcharges based on modified AGI. IRMAA income tiers.
Open calculatorHow much are your vacation days worth? Dollar value per PTO day from salary. Take vacation vs cash out.
Open calculatorHow much does AI save your company? Estimate annual savings, ROI, break-even and productivity gains by department.
Open calculatorEstimate 2026 OBBBA tip and overtime federal deductions, MAGI phase-out and state savings by conformity.
Open calculatorNew $40K SALT cap (2025-2029). Calculate deductible state & local taxes with MAGI phase-out and itemize-vs-standard recommendation.
Open calculatorAre you forced into Roth catch-up in 2026? Check SECURE 2.0 eligibility and the tax-now vs tax-later math.
Open calculatorMulti-year Roth conversion bracket-filler. Fill 12/22/24 percent per year, avoid IRMAA cliffs, per-conversion 5-year access dates.
Open calculatorShould you refinance? Break-even months, monthly P&I savings, and lifetime savings net of closing costs.
Open calculatorFederal supplemental (22%/37%), FICA, state withholding plus the under-withholding gap at filing.
Open calculatorCompare HDHP and PPO total annual cost with HSA tax savings, employer match and 3-year HSA projection. 2026 IRS limits.
Open calculatorFind your after-tax 401(k) headroom under the $72K Section 415(c) ceiling. Plan-feature requirements and tax-free Roth projection.
Open calculatorAre discount points worth it? Compare permanent points and 2-1, 3-2-1 temporary buydowns. Cost, monthly savings, break-even, payment ladder.
Open calculatorSAVE ends July 2026. Calculate your new RAP payment, 30-year forgiveness, and tax bomb estimate.
Open calculatorGerman take-home pay: Lohnsteuer, Soli, church tax and social insurance for all 6 tax classes. 2025 & 2026.
Open calculatorAustrian take-home pay: wage tax, social insurance and the favourable taxation of the 13th/14th salary. 14×/year. 2025 & 2026.
Open calculatorSpanish take-home pay: IRPF (state + regional) and Social Security by Comunidad Autónoma. 12 or 14 pagas.
Open calculatorMexican take-home pay: ISR (SAT withholding), subsidio para el empleo, and employee IMSS contributions. With aguinaldo, 2025 and 2026.
Open calculatorColombian take-home pay: employee health and pension contributions, the FSP, and the monthly retención en la fuente (Art. 383 ET). 2025 and 2026.
Open calculatorChilean take-home pay: social-security contributions (AFP, health, unemployment) and the Second-Category Single Tax (IUSC, UTM-based). 2025 and 2026.
Open calculatorArgentine take-home pay: employee contributions (jubilación, PAMI and obra social) and the Impuesto a las Ganancias retención (4th category, Art. 94 LIG, Art. 30 deductions). Volatile values. 2025 and 2026.
Open calculatorArgentina's 13th salary (aguinaldo/SAC, Law 23,041): 50% of the highest accrued monthly salary of the semester, day-prorated, with employee contributions capped at the SAC-specific ceiling and an income-tax orientation after Law 27,743. First semester 2026.
Open calculatorColombia's prima de servicios: the salary × days / 360 formula, the transport allowance, withholding tax and the June 30 / December 20 deadlines. 2025 and 2026.
Open calculatorSwiss take-home pay: federal, cantonal and municipal income tax plus AHV/IV/EO, ALV, NBU and the BVG 2nd pillar. All 26 cantons, 2025 & 2026.
Open calculatorFinCalc provides free, accurate financial calculators designed to help you make informed decisions about your money. Whether you are planning to pay off your mortgage early, estimating your retirement savings, understanding dividend taxation in different countries, or calculating your take-home pay — our tools give you instant, transparent results.
See how extra monthly payments or one-time lump sums reduce your total mortgage interest and shorten your loan term. Compare annuity (fixed payment) and differentiated (decreasing payment) schedules side by side, with a full amortization table.
Project your retirement nest egg using compound interest with adjustable return rates, inflation, and employer matching contributions. Results include inflation-adjusted values and monthly income estimates based on the 4% safe withdrawal rule.
Calculate your net dividend income after tax in 8 countries: USA, Germany, UK, France, Canada, Australia, Japan, and Poland. Each country page shows current tax rates, allowances, surcharges, and data sources.
Find your take-home pay after federal and state income tax, social security contributions, and other deductions. Available for 8 countries with dedicated pages for all 50 US states. View results as annual, monthly, bi-weekly, or weekly amounts.
Quick answers to common questions about FinCalc calculators, privacy, and accuracy.
FinCalc is a free collection of financial calculators: mortgage early payoff, retirement savings, salary after tax for 8 countries and all 50 US states, dividend tax by country, debt payoff (avalanche and snowball), rent vs buy, inflation, compound interest, FIRE, and loan payment. All tools run in your browser with no sign-up.
Yes. Every calculator is free to use. There are no subscriptions or paywalls. We do not sell your data. Calculations run locally in your browser so your numbers never leave your device.
No. We do not collect or store the numbers you enter. All calculations run in your browser. We do not use cookies or tracking for the calculators themselves.
Salary after tax is available for USA (including all 50 states), Germany, UK, France, Canada, Australia, Japan, and Poland. Dividend tax calculator covers the same eight countries with current rates and allowances.
We use standard formulas and source tax rates and brackets from official or reputable references. Results are estimates suitable for planning; they are not a substitute for professional tax or financial advice. Data is updated when rules change.