Financial calculators for the United States
United StatesPaycheck, mortgage, and retirement tools for the United States, with 2026 federal tax rates prefilled.
This page collects every calculator on the site that matters for a long-horizon money decision in the United States. The US paycheck calculator up top uses the 2026 federal tax brackets, the standard deduction, and FICA, prefilled and fully editable; it covers federal tax only, so state and local income tax are not included, since they vary by state and several states charge none. Below it sit the generic tools most relevant to US savers and homeowners: mortgage, rent versus buy, compound interest, retirement, FIRE, inflation, term deposit, pay off the mortgage or invest, and safe withdrawal rate.
The generic calculators are not US-specific, but they are valid for the US: every rate, threshold, and cost is an input you set yourself, so entering a US mortgage rate, your own savings return, or your own tax situation makes the result apply to you. None of them assume any country's law; they compute the arithmetic once you supply the numbers.
This hub grows as more US-specific tools ship. Everything listed here computes real arithmetic today, and each new calculator lands as its own entry the moment it is ready, never as a placeholder link.
Calculators for the United States
US Paycheck Calculator (2026)
Gross to net for the US, with 2026 federal brackets, the standard deduction, and FICA prefilled.
Open calculatorRoth vs Traditional Calculator
Roth vs traditional 401(k) or IRA: your marginal saving rate today against the effective tax rate on withdrawals.
Open calculator401(k) Employer Match Calculator
Employer 401(k) match in dollars, the rate that captures all of it, and what front-loading forfeits without a true-up.
Open calculatorMortgage Calculator
Monthly payment, full amortization schedule, and the real cost of overpaying.
Open calculatorRent vs Buy Calculator
Project net worth for renting, buying with cash, and buying with a mortgage.
Open calculatorCompound Interest Calculator
Grow a starting amount with monthly deposits and see when interest overtakes what you paid in.
Open calculatorRetirement Calculator
Project your savings to retirement, add your pension, and see the monthly gap versus the income you want.
Open calculatorFIRE Calculator
Your FIRE number, the years until your portfolio covers your spending, and what the savings rate changes.
Open calculatorInflation Calculator
What an amount today will still buy years from now, and the sum you will need then to match it.
Open calculatorTerm Deposit Calculator
What a term deposit or CD really pays: maturity value, net interest after tax, and the return left once inflation is counted.
Open calculatorPay Off Mortgage or Invest Calculator
Overpay the mortgage or invest the surplus? Final net worth on both paths, and the break-even return that decides it.
Open calculatorSafe Withdrawal Rate Calculator
How long your portfolio funds your spending, and the odds it survives once returns stop being average.
Open calculatorFrequently asked questions
What is on this page?
The US paycheck calculator, prefilled with 2026 federal tax brackets, the standard deduction, and FICA, plus a curated set of the site's generic long-horizon calculators (mortgage, rent versus buy, compound interest, retirement, FIRE, inflation, term deposit, pay off the mortgage or invest, and safe withdrawal rate) framed for US readers.
Are the generic calculators accurate for the United States?
Yes, as long as you set the country-specific values yourself. None of the generic calculators hard-code any country's tax law or fee schedule; every rate, threshold, and cost is an input, so entering your US mortgage rate, your 401(k) contribution, or your own income figures makes the arithmetic apply to your situation. Only the paycheck calculator above ships with federal rates prefilled.
Does this page cover state income tax?
No. The paycheck calculator above models federal tax and FICA only. State and local income tax vary too widely, from zero in several states to over 13% in others, to prefill with one figure; enter your own state's effective rate in the calculator's surtax field if you want to approximate it.
Does this page give financial or tax advice?
No. Every calculator here is for educational purposes only. Federal tax law and Social Security thresholds change every year, and none of these tools replace a tax professional, a financial advisor, or your own payroll department. Verify any figure that matters against an official source before acting on it.
These calculators are for educational purposes only and are not financial advice. Always consult a qualified financial advisor, mortgage professional, or your bank before making a commitment.
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