Free US Financial Calculators 2026
Access free, IRS-aligned calculators for tax, salary, mortgage, 401k, loans, and investment planning. No sign-up required.
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All US Financial Calculators
Tax Calculators
Income Tax Calculator 2026 (USA)
Estimate federal and state income taxes based on filing status and income.
Open calculator1099 Tax Calculator (USA)
Calculate self-employment and contractor taxes for 1099 income.
Open calculatorCapital Gains Tax Calculator (USA)
Estimate taxes on investment profits from stocks, crypto, and real estate.
Open calculatorSelf-Employment Tax Calculator
Calculate FICA taxes and self-employment tax obligations.
Open calculatorTax Refund Calculator USA
Estimate your federal and state tax refund.
Open calculatorW4 Withholding Calculator
Determine correct W-4 withholding to avoid paying too much or owing taxes.
Open calculatorSalary & Paycheck
Paycheck Calculator 2026 (USA)
Calculate take-home pay after taxes and deductions.
Open calculatorSalary Converter (USA)
Convert between hourly, weekly, monthly, and annual salary.
Open calculatorHourly to Salary Calculator
Convert hourly wage to annual salary or vice versa.
Open calculatorOvertime Calculator USA
Calculate overtime pay and time-and-a-half earnings.
Open calculatorTime-and-a-Half Calculator
Calculate overtime compensation at 1.5x hourly rate.
Open calculatorTake-Home Pay Calculator (USA)
Estimate net income after all taxes and deductions.
Open calculatorMortgage & Home
Mortgage Calculator 2026 (USA)
Calculate monthly mortgage payments and total interest.
Open calculatorMortgage Affordability Calculator
Determine how much home you can afford based on income and debt.
Open calculatorMortgage Amortization Calculator
View detailed amortization schedule with principal and interest breakdown.
Open calculatorMortgage Refinance Calculator
Analyze refinance scenarios and calculate break-even points.
Open calculatorPMI Calculator
Calculate private mortgage insurance costs.
Open calculatorClosing Costs Calculator
Estimate closing costs and total cost of purchasing a home.
Open calculatorProperty Tax Calculator
Estimate annual property taxes based on home value and rate.
Open calculatorRent Calculator USA
Calculate affordability and monthly housing expenses.
Open calculatorRent vs Buy Calculator (USA)
Compare total cost of renting versus buying a home.
Open calculatorLoan Calculators
Personal Loan Calculator (USA)
Calculate personal loan payments, interest, and payoff timelines.
Open calculatorAuto Loan Calculator (USA)
Calculate car loan payments and total interest costs.
Open calculatorStudent Loan Repayment Calculator 2026
Compare repayment plans (SAVE, PAYE, standard) and calculate payoff.
Open calculatorCredit Card Interest Calculator
Calculate credit card interest and balance payoff timelines.
Open calculatorCredit Card Payoff Calculator
Plan debt payoff strategies and track progress.
Open calculatorDebt Payoff Calculator
Consolidate and prioritize multiple debts for faster payoff.
Open calculatorDebt Snowball Calculator
Track snowball method debt payoff (smallest to largest).
Open calculatorDebt Avalanche Calculator
Track avalanche method debt payoff (highest interest first).
Open calculatorHELOC Calculator
Calculate home equity line of credit payments and interest.
Open calculatorRetirement Planning
401(k) Calculator 2026 | Retirement Savings & Employer Match
Project 401(k) retirement savings with employer match and catch-up contributions.
Open calculatorRoth IRA Calculator
Project Roth IRA growth and estimate tax-free retirement income.
Open calculatorIRA Calculator
Estimate Traditional IRA growth and retirement income.
Open calculatorRetirement Calculator USA
Determine if you have enough saved for comfortable retirement.
Open calculatorRMD Calculator
Calculate required minimum distributions from retirement accounts.
Open calculatorSocial Security Calculator USA
Estimate Social Security benefits based on earnings history.
Open calculatorInvestment Tools
Compound Interest Calculator
Calculate investment growth with compound interest over time.
Open calculatorInvestment Return Calculator
Calculate total return, CAGR, and holding period returns.
Open calculatorS&P 500 Return Calculator
Calculate historical S&P 500 returns for any date range.
Open calculatorDividend Calculator
Calculate dividend income and reinvestment growth.
Open calculatorFree Financial Calculators for US Residents in 2026
GlobalCalqulate provides free, IRS-aligned financial calculators designed specifically for US residents. Whether you're planning your taxes, managing debt, or preparing for retirement, our calculators give you a clear, checkable starting point for the decisions ahead.
All calculators are updated for 2026 with current tax rates, contribution limits, and regulations.
- Estimate tax liability and potential refunds
- Plan salary negotiations and compare job offers
- Evaluate mortgage options and home affordability
- Strategize debt payoff and credit card management
- Project retirement savings and income
- Analyze investment returns and growth
- Compare living costs across US cities and states
Guides and background
How to Use These Financial Calculators
Choose a calculator based on your financial goal (tax planning, loan comparison, investment analysis), then enter accurate inputs — income, loan amount, interest rate, filing status, loan term, and other relevant data.
- Adjust assumptions — modify interest rates, inflation, and return rates to reflect your scenario
- Analyze results — review monthly payments, total interest, tax impact, and projected values
- Compare scenarios — run multiple calculators or adjust inputs to compare options side-by-side
- Make informed decisions — use results to negotiate salaries, evaluate loan offers, or plan retirement
Calculators for Other Countries
Free, country-specific financial calculators for 31 countries — tax laws, salary rules, and investment tools tailored to each region.
United Kingdom
PAYE, NI, mortgage, ISA
Canada
RRSP, TFSA, CPP, GST/HST
Australia
ATO tax, super, mortgage
India
SIP, PPF, NPS, home loan
France
Income tax, salaire net, TVA, pension
Spain
IRPF, sueldo neto, IVA, Beckham Law
Italy
IRPEF, stipendio netto, IVA, INPS
Poland
PIT, net salary, VAT, ZUS
Belgium
Income tax, net salary, VAT, NSSO
Denmark
Net salary, bundskat, VAT, feriepenge
Austria
Einkommensteuer, net salary, VAT, Sonderzahlungen
Ireland
Income tax, USC, net salary, MyFutureFund
Norway
Trinnskatt, net salary, VAT, wealth tax
Finland
State tax, net salary, VAT, TyEL
Switzerland
Federal tax, VAT, net salary, AHV
Portugal
IRS, net salary, VAT, IFICI
Czech Republic
Income tax, net salary, VAT, social
Romania
Income tax, net salary, VAT, CAS/CASS
Hungary
SZJA, net salary, VAT, TB
Greece
Income tax, net salary, VAT, ENFIA
Croatia
Income tax, net salary, VAT, pension
Bulgaria
10% PIT, net salary, VAT, social
Luxembourg
Income tax, net salary, VAT, CCSS
Iceland
Income tax, net salary, VAT, pension
Germany
Einkommensteuer, Sozialabgaben
Netherlands
Box 1/3 tax, mortgage, VAT
Singapore
CPF, GST, HDB loan
New Zealand
KiwiSaver, PAYE, mortgage
Sweden
Income tax, VAT, pension
UAE
Gratuity, VAT, zakat
Frequently Asked Questions
Which calculator should I use for tax planning?
Use our Income Tax Calculator for employee W-2 taxes, 1099 Calculator for contractor taxes, and Capital Gains Calculator for investment profits. The W-4 Withholding Calculator helps optimize paycheck withholding.
Are these calculators aligned with 2026 IRS rules and tax rates?
Yes. All calculators are updated for 2026 including tax brackets, standard deductions, 401k contribution limits ($24,500 for 2026), Roth IRA contributions, and SECURE 2.0 provisions like super catch-up contributions.
Can I use these for serious financial planning?
Our calculators provide estimates for planning purposes. However, they're not substitutes for professional financial or tax advice. Consider consulting with a financial advisor or CPA for major financial decisions.
How accurate are the loan and mortgage calculators?
They use standard amortization formulas, so results typically match most lender quotes within $1-2 due to rounding. Always verify final numbers with your lender.
Can I use the retirement calculators for 401k and IRA planning?
Absolutely. Our 401k Calculator includes employer match, catch-up contributions, and SECURE 2.0 super catch-up. Roth IRA and Traditional IRA calculators project growth and withdrawal strategies.
Do these calculators account for state taxes?
Yes. Most calculators include state tax options. Sales Tax Calculator shows combined state and local rates for all 50 states. Income Tax Calculator includes state taxes for applicable states.
Are these calculators completely free?
Yes, 100% free. No sign-up required, no ads covering the interface, and no hidden costs. All calculators are available to use anytime.
What should I do with the results from these calculators?
Use them to understand your financial situation, compare options (loan terms, job offers, retirement scenarios), make informed decisions, prepare questions for financial professionals, and track changes over time.
Can I save or export calculator results?
Most browsers allow you to take screenshots or use developer tools to save results. Some calculators offer PDF export options.
How often are these calculators updated?
All calculators are updated at minimum annually for tax law and rate changes. 2026 updates include new tax brackets, 401k contribution limits, and other IRS-mandated changes.