Free Financial Calculators
The most accurate tools to calculate mortgage payoff, salary after tax, compound interest, dividend tax, and more. Make better financial decisions.
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Featured Calculators
The tools most used by thousands of users worldwide
Mortgage Early Payoff
Calculate how extra payments reduce your mortgage term and total interest paid. Supports annuity and differentiated payment schedules.
Open calculatorRetirement Savings
Project your retirement savings with compound interest, employer matching, and inflation adjustment. Based on the 4% withdrawal rule.
Open calculatorDividend Tax
Calculate net dividends after tax across 8 countries. Includes withholding rates, surcharges, and tax-free allowances.
Open calculatorSalary After Tax Calculator (2026)
Free 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 calculatorDebt Payoff
Compare avalanche and snowball strategies to pay off multiple debts. See total interest saved and your debt-free date.
Open calculatorLoan Calculator
Calculate loan payments (EMI), total interest, total amount paid, and effective annual rate. Full amortization. Monthly or biweekly.
Open calculatorThe Best Calculation Experience
Tools designed to help you make better financial decisions
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100% Accurate
Our calculators use the most up-to-date formulas and data for 2026.
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Your data is never stored. All calculations run locally on your device.
Responsive Design
Calculate from any device: phone, tablet, or desktop.
Clear Explanations
Each calculator includes clear explanations to understand your finances better.
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Unlimited access to all calculators. No subscriptions or hidden fees.
Calculators
Capital Gains Tax Calculator (2026)
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 calculatorIncome Tax Calculator by State (2026)
Free income tax calculator for all 50 US states. Estimate federal + state tax, refund or owed, effective rate, FICA, and child tax credits.
Open calculatorPaycheck Calculator — Take Home Pay by State (2026)
Free 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 calculatorHourly to Salary
Convert hourly wage to annual salary, monthly, biweekly, weekly, and daily income. Includes quick reference rates.
Open calculatorNet Worth Calculator
Calculate total assets, total liabilities, and net worth. Includes age-based benchmark comparison from Federal Reserve SCF data.
Open calculatorEmergency Fund Calculator
How much emergency fund do you need? 3, 6, 9, or 12 months of expenses. Adjust for job stability and dependents.
Open calculatorRent vs Buy
Should you rent or buy? Compare total costs including mortgage, taxes, appreciation, and opportunity cost over time.
Open calculatorInflation Calculator
Calculate how inflation erodes purchasing power. See the future or historical value of money with year-by-year breakdown.
Open calculatorCompound Interest
Calculate how your savings grow with compound interest. Initial deposit, monthly contributions, and year-by-year breakdown.
Open calculatorMillionaire Calculator
See when you'll reach $1 million. Wealth timeline with milestones, what-if scenarios, and contribution vs. growth breakdown.
Open calculatorSalary Benchmark Calculator
Am I underpaid? Compare your salary to BLS median by job, experience, state. Get negotiation targets and percentile.
Open calculatorWedding Budget Calculator
Plan your wedding costs with category breakdown. What it really costs — months of salary, opportunity cost.
Open calculatorFIRE Calculator
Financial Independence, Retire Early. Your FIRE number, years to FIRE, savings rate, and year-by-year projection.
Open calculatorCoast FIRE Calculator
Calculate how much you need saved now so you can stop contributing and still retire through compound growth.
Open calculatorBarista FIRE Calculator
Estimate the portfolio needed to leave full-time work, cover expenses with part-time income, and withdraw the remaining gap.
Open calculatorTariff Impact Calculator
Estimate annual household cost increases from 2026 tariffs by income, spending mix, and category-level price pass-through.
Open calculatorFinancial Health Score
Get a 0-100 score of your overall financial health with a quick, gamified assessment and targeted recommendations.
Open calculatorSelf-Employment Tax Calculator
Estimate 1099 and freelance taxes including self-employment tax, federal/state tax, quarterly payments, and take-home income.
Open calculatorPay Raise Calculator After Taxes (2026)
Free raise calculator with taxes. See your real paycheck increase after federal and state tax. Inflation-adjusted raise by state and filing status.
Open calculatorJob Offer Comparison Calculator
Compare job offers using salary, bonus, equity, 401k match, commute, health costs, PTO, and state tax differences.
Open calculatorDaily Spending Impact Calculator
Track recurring habits and see annual cost plus long-term invested value over 5, 10, 20, and 30 years.
Open calculatorSubscription Audit Calculator
Calculate monthly and annual subscription spend, category breakdown, top leaks, and downgrade savings.
Open calculatorReal Salary History Tracker
Compare salary history against inflation to reveal true purchasing-power growth in current dollars.
Open calculatorHouse Affordability Calculator
Estimate max home price using debt ratios, down payment, mortgage rate, and state-specific property tax assumptions.
Open calculatorSocial Security Benefits Estimator
Compare Social Security benefits at 62, 67, and 70 with lifetime totals and break-even ages.
Open calculatorTrue Cost of Ownership Calculator
Calculate the real cost of owning a car or home including hidden costs, depreciation, fees, and long-term totals.
Open calculatorCost of Raising a Child Calculator
Estimate 0-18 child lifecycle costs with regional adjustments, childcare scenarios, inflation, and multi-child savings.
Open calculatorPet Cost Calculator
Estimate dog and cat ownership costs over their lifespan. Food, vet, grooming, supplies, and regional adjustments.
Open calculator401(k) Early Withdrawal Calculator
Estimate tax and 10% penalty on 401(k) early withdrawal. Federal, state, and net you keep by state and income.
Open calculatorFreelance Rate Calculator
How much to charge per hour to take home your target. Includes self-employment tax, federal, and state tax.
Open calculatorHOA Cost Calculator
Total HOA cost over 10–30 years with growth and special assessments. See what condo dues really cost.
Open calculatorSeverance Pay Calculator
Estimate severance lump sum, PTO payout, and runway. 1–2 weeks per year typical. Runway with COBRA.
Open calculatorRoommate Rent Split Calculator
Fair rent division by room size and private bath. Split by sq ft with amenity premium.
Open calculatorLife Decision Financial Calculator
Compare major choices like school, relocation, business, and career switch using break-even and NPV.
Open calculatorTip Calculator
Calculate tip amount, total with tip, and per-person split. 15–25% presets, split evenly.
Open calculatorSplit Bill Calculator with Tax and Tip
Free 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 calculatorStudent Loan Payoff Calculator
Payoff timeline, total interest, extra payment impact. Compare refinancing. Federal and private loans.
Open calculatorRent Budget Calculator
How much rent can you afford? 30% rule: max rent = 30% of gross income. 25% conservative, 35% stretch.
Open calculatorBNPL Cost Calculator
Buy Now Pay Later: Klarna, Afterpay, Affirm. Compare fee/interest vs pay-in-full. Interest-free, flat fee, or APR.
Open calculatorDown Payment Savings Calculator
How long to save for a home down payment? Target, current savings, monthly contribution, expected return. Year-by-year projection.
Open calculatorCar Affordability Calculator
What car can you afford? 20/4/10 rule: payment ≤10% of income. Max car price from income, down payment, rate, term.
Open calculatorMaternity Leave Savings Calculator
How much to save before maternity leave? Income gap, unpaid weeks, one-time baby costs. FMLA 12 weeks unpaid.
Open calculatorCareer Break Impact Calculator
How much does a career break cost your retirement? Lost contributions, match, compound growth. 2–5 years out.
Open calculatorRMD Calculator
Calculate Required Minimum Distribution for IRA/401k. IRS Uniform Lifetime Table, SECURE 2.0 ages 73/75.
Open calculatorPension vs Lump Sum
Compare taking pension as annuity vs lump sum. NPV analysis with COLA and discount rate.
Open calculatorRetirement Withdrawal Calculator
How long will your portfolio last? 4% rule, inflation-adjusted withdrawals, year-by-year projection.
Open calculatorRoth Conversion Tax Calculator
Estimate federal and state tax on converting traditional IRA/401k to Roth. All 50 states.
Open calculatorMedicare IRMAA Calculator
Estimate Medicare Part B and Part D surcharges based on modified AGI. IRMAA income tiers.
Open calculatorPTO Value Calculator
How much are your vacation days worth? Dollar value per PTO day from salary. Take vacation vs cash out.
Open calculatorAI Savings Calculator
How much does AI save your company? Estimate annual savings, ROI, break-even and productivity gains by department.
Open calculatorNo Tax on Tips & Overtime Calculator
Estimate 2026 OBBBA tip and overtime federal deductions, MAGI phase-out and state savings by conformity.
Open calculatorSALT Deduction Calculator
New $40K SALT cap (2025-2029). Calculate deductible state & local taxes with MAGI phase-out and itemize-vs-standard recommendation.
Open calculatorRoth Catch-Up Calculator 2026
Are you forced into Roth catch-up in 2026? Check SECURE 2.0 eligibility and the tax-now vs tax-later math.
Open calculatorRoth Conversion Ladder Calculator
Multi-year Roth conversion bracket-filler. Fill 12/22/24 percent per year, avoid IRMAA cliffs, per-conversion 5-year access dates.
Open calculatorMortgage Refinance Calculator
Should you refinance? Break-even months, monthly P&I savings, and lifetime savings net of closing costs.
Open calculatorRSU Tax Calculator
Federal supplemental (22%/37%), FICA, state withholding plus the under-withholding gap at filing.
Open calculatorHDHP vs PPO + HSA Calculator
Compare HDHP and PPO total annual cost with HSA tax savings, employer match and 3-year HSA projection. 2026 IRS limits.
Open calculatorMega Backdoor Roth Calculator
Find your after-tax 401(k) headroom under the $72K Section 415(c) ceiling. Plan-feature requirements and tax-free Roth projection.
Open calculatorMortgage Points Calculator
Are discount points worth it? Compare permanent points and 2-1, 3-2-1 temporary buydowns. Cost, monthly savings, break-even, payment ladder.
Open calculatorRAP Student Loan Calculator
SAVE ends July 2026. Calculate your new RAP payment, 30-year forgiveness, and tax bomb estimate.
Open calculatorGerman Net Salary Calculator
German take-home pay: Lohnsteuer, Soli, church tax and social insurance for all 6 tax classes. 2025 & 2026.
Open calculatorAustria Net Salary Calculator
Austrian take-home pay: wage tax, social insurance and the favourable taxation of the 13th/14th salary. 14×/year. 2025 & 2026.
Open calculatorSpanish Net Salary Calculator
Spanish take-home pay: IRPF (state + regional) and Social Security by Comunidad Autónoma. 12 or 14 pagas.
Open calculatorMexican Net Salary Calculator
Mexican take-home pay: ISR (SAT withholding), subsidio para el empleo, and employee IMSS contributions. With aguinaldo, 2025 and 2026.
Open calculatorColombian Net Salary Calculator
Colombian take-home pay: employee health and pension contributions, the FSP, and the monthly retención en la fuente (Art. 383 ET). 2025 and 2026.
Open calculatorChile Net Salary Calculator
Chilean take-home pay: social-security contributions (AFP, health, unemployment) and the Second-Category Single Tax (IUSC, UTM-based). 2025 and 2026.
Open calculatorArgentine Net Salary Calculator
Argentine 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 calculatorAguinaldo / SAC Calculator (Argentina)
Argentina'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 Service Bonus Calculator (Prima de Servicios)
Colombia'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 calculatorUK Spouse Visa Financial Requirement
Check income and cash savings against the UK family visa minimum income requirement, and see the exact shortfall and the savings that would close it.
Open calculatorAffidavit of Support (I-864) Income
Check a sponsor’s income against the 2026 Form I-864P figures, count household size the way Part 5 does, and see the exact shortfall and the assets that close it.
Open calculatorUS Remittance Tax Calculator
The 1% IRC §4475 excise tax on money sent abroad: what cash costs, what a US bank account or card costs, and the $15 cliff.
Open calculatorUK Visa Total Cost (to Citizenship)
The full cost of a UK immigration journey: visa fees, the immigration health surcharge, settlement and naturalisation, on the fee table in force from 8 April 2026.
Open calculatorVisa Fee vs Cost Index
What governments charge for immigration applications against what they publish as the cost of processing them, ranked by markup.
Open calculatorNetherlands 30% Ruling
What the Dutch 30% ruling is worth on your salary in 2026, and what the enacted cut to 27% on 1 January 2027 changes.
Open calculatorGermany 2027: Minimum Wage & Minijob
What changes on 1 January 2027 — the €14.60 minimum wage, the €633 minijob limit, the midijob band and the projected contribution ceilings, with the euro difference for your own pay.
Open calculatorEU Blue Card Germany Salary
Check a German salary against the 2026 EU Blue Card thresholds, see the exact shortfall, and what it means in net pay.
Open calculatorSwiss Net Salary Calculator
Swiss 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 calculatorWhy Use FinCalc?
FinCalc 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.
Mortgage Early Payoff Calculator
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.
Retirement Savings Calculator
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.
Dividend Tax Calculator
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.
Salary After Tax Calculator
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.
Frequently asked questions
Quick answers to common questions about FinCalc calculators, privacy, and accuracy.
What is FinCalc?
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.
Are FinCalc calculators free?
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.
Do you store my data?
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.
Which countries are supported for salary and dividend tax?
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.
How accurate are the calculators?
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.