Calculators for everyday life
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Taxes
Income tax, capital gains, estate, and gift tax calculators
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US Sales Tax Calculator
Compute the exact sales tax for any US transaction using state + local rates. Add tax to a net price or extract tax from a tax-inclusive total.
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Real Estate Capital Gains Tax Calculator
Estimate your capital gains tax on a home sale: $250K/$500K Section 121 exclusion, federal LTCG (0/15/20%), 3.8% NIIT, and state tax — with full cost basis tracking.
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Property Tax Calculator by State
Estimate annual property tax for any US state using ATTOM-verified effective rates, state-specific homestead exemptions, senior reductions, and special rules like CA Prop 13 and TX SB2.
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Rental Income Tax Calculator
Estimate federal + state tax on rental property income with full IRS rules: 27.5-year depreciation, passive activity loss limits, QBI 20% deduction, NIIT 3.8%, and REPS deduction.
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Federal Income Tax Calculator
Calculate your 2026 federal income tax with all OBBBA changes: Rev. Proc. 2025-32 brackets, $16,100/$32,200 standard deduction, $2,200 CTC, $6,000 senior bonus, FICA, and net take-home.
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Federal Estate Tax Calculator
Estimate federal and state estate tax with the new $15M OBBBA permanent exclusion, marital and charitable deductions, DSUE portability, and 12 state-level estate taxes.
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Federal Gift Tax Calculator
Calculate federal gift tax on any size gift: $19,000 annual exclusion (2026), $15M lifetime exclusion, $194,000 non-citizen spouse exclusion, gift-splitting, and 529 superfunding.
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Annual Tax Return Calculator
Estimate your 2026 federal tax refund or amount owed before filing Form 1040. Includes OBBBA brackets, $2,200 CTC, $6,000 senior bonus, and W-2 withholding comparison.
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Self-Employment Tax Calculator
Calculate self-employment tax for 1099 contractors, freelancers, and gig workers. SE tax (15.3%), QBI 20% deduction, half SE deduction, and quarterly estimated payment.
Insurance
Health insurance, social security, unemployment, and parental leave benefit calculators
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Social Security Benefit Estimator
Free Social Security benefit estimator using the SSA PIA formula and current bend points. Project your monthly benefit at age 62, FRA (67 for those born 1960+), or 70.
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ACA Marketplace Premium Estimator
Free ACA Marketplace premium estimator. Project your monthly premium and Premium Tax Credit (subsidy) by income and household size — based on Federal Poverty Level (FPL) thresholds.
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Unemployment Benefit Estimator
Free unemployment insurance benefit estimator. Calculate weekly benefit amount based on base period wages and your state's formula. Coverage typically 26 weeks; Massachusetts 30, Florida 12.
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Reverse Mortgage HECM Calculator
Free HECM (Home Equity Conversion Mortgage) calculator. Estimate the Principal Limit and cash available based on home value, age, and current 10-year LIBOR/SOFR Expected Rate.
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Traditional vs Roth IRA Calculator
Free Traditional vs Roth IRA calculator. Compare tax-deferred Traditional IRA growth (deduct now, pay tax in retirement) to Roth IRA (pay tax now, withdrawals tax-free).
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401(k) vs IRA Contribution Calculator
Free 401(k) vs IRA optimizer. Find the right contribution mix between employer 401(k) match, Roth IRA, and 401(k) max — based on tax rate and employer match formula.
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Paid Family Leave State Calculator
Free state Paid Family Leave (PFL/PFML) calculator. Estimate weekly benefit amount and benefit weeks for the 13 US states with paid family leave programs in 2026.
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Private Pension / Annuity Calculator
Free private pension and annuity calculator. Compare lump-sum payout vs. lifetime monthly stream, project annuity income from a premium, and evaluate fixed vs. variable annuities.
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Medicare Supplement (Medigap) Calculator
Free Medicare Supplement (Medigap) calculator. Project annual out-of-pocket costs by plan letter (G, F, N, K, L) using current CMS premium and deductible amounts.
Finance
Loans, savings, salary, and money-related calculators
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Personal Loan Calculator
Free personal loan calculator using current Federal Reserve G.19 average rates. Get monthly payment, total interest, and amortization for amortizing, equal-principal, and interest-only loans.
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Compound Interest Calculator
Free compound interest calculator. Project the future value of savings with daily, monthly, quarterly, or annual compounding. Add monthly contributions to model HYSA, CD, or 401(k) growth.
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Loan Prepayment Savings Calculator
Calculate net savings from loan prepayment vs holding to maturity. Most US loans NO penalty (TILA/Dodd-Frank QM). Compare interest saved minus penalty + alternative investment return.
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Loan Comparison Calculator
Compare two loan repayment methods: standard amortizing (level payments, more interest) vs equal-principal (declining payments, less interest). See total cost difference.
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Mortgage Refinance Savings Calculator
Calculate net savings from refinancing your mortgage. Compare current vs new APR, factor in closing costs (2-5%), and find break-even month. Rule of thumb: 0.75-1% rate drop minimum.
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Interest Rate Impact Calculator
See how a 1% rate change affects your loan total cost. Compare scenarios at -1%, current, +1%, +2%. Critical for ARM borrowers facing rate reset and refinance decision-making.
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Loan Term Comparison Calculator
Free loan term comparison calculator. Compare a longer-term loan to a shorter alternative side by side — see how much you save in total interest by paying more each month.
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Personal Loan vs Credit Card Calculator
Compare personal loan amortization vs credit card revolving debt. Personal loan 13.45% (3yr) / 17.79% (5yr) vs credit card 23.77% APR. Debt consolidation savings calculator.
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CD Maturity Calculator
Free CD maturity calculator. Project the maturity value of a US bank CD by APY and term, including federal income tax on interest. Compare to high-yield savings or recurring savings.
Real Estate
Mortgage, rent, capital gains, brokerage fees, and area conversion calculators
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Square Feet to Square Meter Converter
Free square feet to square meter converter. Exact NIST factor: 1 sqft = 0.09290304 m². Bidirectional. Useful for international real estate, architecture, and design.
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Real Estate Agent Commission Calculator
Free real estate commission calculator updated for the 2024 NAR settlement. Compute total seller commission, listing agent share, and buyer agent share by sale price.
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Real Estate Transfer Tax Calculator
Free real estate transfer tax calculator. Estimate state and county transfer/deed taxes by state — DE 4%, NY 0.4-2.625%, CT 1.25%+, others. 13 states have no transfer tax.
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Lease vs Month-to-Month Calculator
Free lease vs month-to-month comparison calculator. Compare 12-month lease total cost to month-to-month rent including premium, plus break-even analysis for moving flexibility.
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US Mortgage Calculator
Free US mortgage calculator. Compute principal & interest, property tax, homeowners insurance, PMI, and HOA into a full PITI monthly payment using current Freddie Mac PMMS rates.
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Rental Property Yield Calculator
Free rental property yield calculator. Compute gross yield, net yield, cap rate, and cash-on-cash return for US single-family or multi-family rental properties.
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US Security Deposit Calculator
Free US security deposit calculator. Check your state's legal maximum security deposit, refund deadline, and itemized deduction rules. Each state regulates differently.
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Mortgage Affordability Calculator
Free mortgage affordability calculator using debt-to-income (DTI) ratios. Find maximum home price by income, debts, down payment, and current mortgage rate.
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Fixed vs ARM Mortgage Comparison
Free fixed vs ARM mortgage comparison calculator. Compare 30-year fixed to 5/1, 7/1, and 10/1 ARM scenarios — see total cost over expected stay duration.
Work & Salary
Take-home pay, paid leave, hourly wage conversion — essential calculators for employees
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Paycheck Take-Home Calculator
Calculate net take-home pay from your annual salary using IRS Pub 15-T 2026, FICA (SS $184,500 + Medicare), 401(k)/health pre-tax, OBBBA brackets, and Child Tax Credit.
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US Severance Package Calculator
Estimate severance pay using US industry standards: 1-2 weeks/year (staff), 2-3 (manager), executive 6-18 months. WARN Act 60-day penalty + NJ mandatory week-per-year.
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Salary Raise Calculator
Calculate the REAL take-home increase from a salary raise after federal taxes, FICA, and state taxes. See how much of your raise actually hits your bank account.
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PTO Payout Calculator
Calculate unused PTO payout at separation. 8 states require mandatory payout (CA/CO/IL/LA/MA/MT/NE/ND); 4 states ban use-it-or-lose-it (CA/CO/MT/NE). After-tax estimate.
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Paid Sick Leave Calculator
Calculate paid sick leave accrual under state laws. 22 states + DC mandate paid sick leave with 1-hour-per-30-worked accrual. CA 40 hrs (raised 2024), MI 72 hrs ESTA 2025.
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Hourly to Salary Calculator
Convert hourly wage to weekly, biweekly, monthly, and annual salary. Includes FLSA overtime (1.5×) over 40 hrs and 2,080-hour standard FTE comparison.
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Hourly Wage Value Calculator
Calculate your true hourly value: salary ÷ 2,080 standard, real hourly with unpaid lunch deducted, total comp including benefits. BLS Q3 2025 benchmarks.
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US Minimum Wage Calculator
Calculate weekly, monthly, and annual pay at minimum wage. 2026 state rates: WA $17.13 (highest), CT $16.94, CA $16.90, DC $17.95. Federal $7.25 since 2009.
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FICA & Medicare Tax Calculator
Calculate FICA payroll tax: 6.2% Social Security up to $184,500 wage base + 1.45% Medicare uncapped + 0.9% Additional Medicare over $200K. Employer match + FUTA included.
Auto
Vehicle tax, registration, MPG, and ownership cost calculators
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Monthly Car Cost Calculator
Free monthly car cost calculator using AAA Your Driving Costs methodology. Total cost of ownership includes fuel, insurance, registration, and maintenance — for gas, diesel, hybrid, and EV.
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Vehicle Property Tax Calculator
Free vehicle property tax calculator. Estimate annual personal property tax on cars in Virginia, Missouri, Connecticut, Rhode Island, and other states that levy this tax.
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Vehicle Sales Tax & Out-the-Door Calculator
Free car sales tax calculator. Compute state sales tax, document fees, registration, and total out-the-door price by state. Handles trade-in tax credit (where applicable).
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Fuel Cost Calculator
Free fuel cost calculator. Compute the cost of any trip or annual fuel spend by MPG, distance, and gas price. Compare multiple vehicles side by side or model an upgrade.
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EV Charging Cost Calculator
Free EV charging cost calculator. Compare home charging, public Level 2, and DC fast charging cost per mile and per full charge using kWh price and battery capacity.
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Car Depreciation Calculator
Free car depreciation calculator. Project resale value by year using industry-standard depreciation curves: average car loses 20% in year 1, 50–60% over 5 years.
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Auto Loan Calculator
Free auto loan calculator. Compute monthly car payment and total interest by APR, term, and price. Federal Reserve average rates by credit tier and term length.
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Parking Cost Calculator
Free parking cost calculator. Compute hourly rate parking cost, compare to daily maximum, and find break-even with a monthly pass for commuting in NYC, SF, Chicago, LA.
Health
BMI, calories, BMR, and health management calculators
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BMR Calculator
Free BMR calculator using the Mifflin-St Jeor equation — the formula recommended by the Academy of Nutrition and Dietetics. Get your basal metabolic rate plus TDEE across five activity levels.
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Calorie Calculator
Calculate your daily calorie needs based on the Mifflin-St Jeor equation and USDA Dietary Guidelines activity factors. Get targets for weight loss, maintenance, or weight gain.
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Body Fat Calculator
Free body fat percentage calculator using the US Navy circumference method (Hodgdon-Beckett, 1984). Validated within ±3–4% of hydrostatic weighing — the lab reference standard.
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Water Intake Calculator
Free water intake calculator based on the National Academies (NASEM/IOM) Adequate Intake recommendations: 125 oz/day for men and 91 oz/day for women, including water from food and beverages.
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Pregnancy Due Date Calculator
Free pregnancy due date calculator using ACOG Committee Opinion 700 — Naegele's rule (LMP + 280 days), conception date, or first-trimester ultrasound. Includes weekly milestones.
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Ovulation Calculator
Free ovulation calculator using ACOG and ASRM guidance. Predicts your ovulation day, six-day fertile window, and the highest-probability conception days based on cycle length.
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Blood Pressure Calculator
Free blood pressure calculator using the 2017 ACC/AHA hypertension guideline. Categorize systolic and diastolic readings into normal, elevated, stage 1, stage 2, or hypertensive crisis.
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BAC Calculator
Free Blood Alcohol Content (BAC) calculator using the Widmark formula. Estimate your BAC after drinking and time until 0.00 — for educational use only, not legal proof of sobriety.
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Sleep Calculator
Find the best bedtime or wake-up time using 90-minute sleep cycles. Based on the National Sleep Foundation recommendation of 7–9 hours and 5–6 complete cycles per night.
Lifestyle
Car ownership cost, delivery vs cook, subscription totals, and everyday savings calculators
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Percentage Calculator
Free percentage calculator with three modes: find X% of Y, find what percent X is of Y, and calculate percent change between two values. Plain-English explanation included.
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Discount Calculator
Free discount calculator. Enter list price and percent off to instantly get sale price, dollars saved, and a visual price-vs-savings breakdown. Handles stacked discounts.
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Date Calculator
Free date calculator. Find days, weeks, months, and years between two dates, or add and subtract days from a base date. Returns weekday and ISO 8601 calendar math.
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Age Calculator
Free age calculator. Get your exact age in years, months, and days from any date of birth, plus total days lived, hours lived, weeks lived, and days until your next birthday.
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Unit Converter
Free unit converter using exact NIST conversion factors. Convert between metric and US customary units for length, weight, temperature, volume, area, and speed.
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US Electricity Bill Calculator
Calculate residential electricity bill: kWh × rate + fixed charge. EIA April 2026: US average 17.65¢/kWh. Hawaii highest 43¢, North Dakota lowest 11.64¢. Annual cost projection.
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Car vs Public Transit Cost Calculator
Compare driving vs public transit commute costs. AAA May 2026 gas $4.54/gal, US fleet avg 27 MPG, AAA total ownership $11,577/yr. Daily parking + monthly pass options.
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Subscription Total Cost Calculator
Add up all your subscriptions to see the real monthly and annual cost. Avg American spends $84-$219/mo on subs. Netflix $17.99, Disney+ $16.99, Max $18.49, Spotify $18.
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Delivery vs Cooking Cost Calculator
Compare DoorDash/Uber Eats delivery cost vs. cooking at home. 2026 typical 69-83% markup vs in-restaurant. Service fee + delivery fee + tip + menu markup adds 15-25%.
Education
GPA, standard deviation, base converter, and study calculators
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SAT / ACT Score Calculator
Free SAT and ACT score calculator. Get your percentile, convert SAT to ACT (or vice versa) using the official 2018 College Board / ACT concordance, and see typical college score ranges.
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TOEIC Score Converter
Free TOEIC Listening & Reading score converter. Combine LC and RC sub-scores into total (10–990) and see your ETS proficiency band — used by employers in 160+ countries.
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GPA Calculator
Free GPA calculator using the US 4.0 scale. Enter course grades and credit hours to compute your unweighted grade point average for college admission, transfer, and scholarship applications.
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Standard Deviation Calculator
Free standard deviation calculator. Compute population SD, sample SD (Bessel-corrected), variance, mean, min, max from any list of numbers — for statistics, finance, and data analysis.
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English Test Score Converter
Free English test score converter. Translate TOEIC, TOEFL iBT, and IELTS scores to CEFR levels (A1-C2) using official ETS and Council of Europe concordance tables.
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FAFSA Pell Grant Calculator
Free FAFSA Pell Grant calculator. Estimate your federal Pell Grant award based on Student Aid Index (SAI), family size, and income — using the latest Federal Student Aid (ED) formula.
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Course Credit Planner
Free course credit planner. Track progress toward your bachelor's degree by completed credit hours and project semesters remaining at your typical course load.
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Exam Percentile Calculator
Free exam percentile calculator. Find your percentile from class rank, or convert a raw score to percentile using the mean and standard deviation (z-score / normal distribution).
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Reading Speed Calculator
Free reading speed (WPM) calculator. Measure your words-per-minute by timing a passage, or estimate how long a book will take at your current speed. Average adult reads 200-300 WPM.
Developer Tools
JSON, Base64, color conversion, and developer utilities
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Regex Tester
Free online regex tester using PCRE syntax. Test match, find groups, and run replacement. Highlights matches in your test string with capture group breakdown.
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Unix Timestamp Converter
Free Unix timestamp converter. Translate Unix epoch seconds (or milliseconds) to ISO 8601, RFC 3339, and human-readable dates in any IANA timezone — and back.
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Number Base Converter
Free online number base converter. Convert between binary (base 2), octal (base 8), decimal (base 10), and hexadecimal (base 16). Includes byte split and color hex preview.
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JSON Formatter
Free online JSON formatter, validator, and minifier. Pretty-print compact JSON with proper indentation, validate against RFC 8259 syntax, and minify back to a single line.
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Base64 Encoder / Decoder
Free Base64 encoder and decoder following IETF RFC 4648. Encode strings or files to Base64; decode Base64 back to text. Standard and URL-safe variants supported.
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Color Converter
Free color converter between HEX, RGB, HSL, HSV, and OKLCH. Pick a color or paste any format and see all CSS-compatible representations side by side with WCAG contrast.
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URL Encoder / Decoder
Free URL encoder and decoder following IETF RFC 3986. Encode special characters for query strings, decode percent-encoded URLs, and choose between encodeURI and encodeURIComponent.
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JWT Decoder
Free online JWT decoder. Inspect the header and payload of any JSON Web Token (RFC 7519). Identifies the signing algorithm and surfaces standard claims like exp, iat, sub.
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Hash Generator
Free online hash generator for MD5, SHA-1, SHA-256, SHA-512, SHA3-256, and SHA3-512. Hex or Base64 output. Produces all six hashes instantly side by side.