Finance

Take-home pay after tax, pay raises, overtime, salary to hourly, mortgage and car loan payoff, debt snowball vs avalanche, savings, investing fees, VAT and business calculators. Clear numbers, no sign-up.

401(k) Calculator with Employer MatchProject your 401(k) balance at retirement with your contributions, your employer’s match and salary growth, see what each extra percent costs you per paycheck after tax, and find out whether you’re leaving free match money on the table.Car Affordability CalculatorFind the most you should pay for a car from your income or from the monthly payment you’re comfortable with, including your down payment, trade-in, sales tax and fees. Checks the result against the 20/4/10 rule.Car Loan Payoff CalculatorFind out how fast you can pay off your car loan with extra or biweekly payments, and how much interest you’ll save.Coast FIRE CalculatorFind your Coast FIRE number — the amount that, left alone to grow, becomes a full retirement fund by your target age — and see when you’ll reach it.Compound Interest CalculatorProject how your money grows with compound interest and regular contributions — with a year-by-year table and an optional inflation adjustment.Debt Snowball vs Avalanche CalculatorList your debts, add what you can pay extra, and compare the snowball and avalanche methods side by side — payoff date, interest paid and the order you’d clear each debt.Freelance Hourly Rate CalculatorWork out the hourly rate you need to charge as a freelancer or contractor to match a salary, after self-employment tax, the benefits you now pay yourself, business costs, time off and the hours you can’t bill.Hourly to Salary CalculatorConvert an hourly wage to an annual salary or a salary to an hourly rate — including overtime hours and unpaid time off — and see your pay per week, fortnight and month.Investment Fee CalculatorSee how much of your future wealth goes to fund expense ratios and advisor fees, including the growth you lose on the money paid away. Handles flat and tiered advisor fees, and compares two funds side by side.Invoice GeneratorMake an invoice, quote, estimate or receipt with your logo, VAT number and any currency. The preview updates as you type, then download a clean PDF. Everything happens in your browser: nothing is uploaded and no account is needed.Loan Comparison CalculatorCompare two loan offers on monthly payment, total interest, fees and true cost — including the effective APR once fees are counted.Markup vs Margin CalculatorWork out selling price, profit, margin % and markup % from any two numbers — and see why a 50% markup is only a 33% margin.Mortgage CalculatorWork out the full monthly cost of a home loan — principal and interest plus property tax, homeowners insurance, PMI and HOA fees — and see when PMI drops off.Mortgage Payoff CalculatorSee how much interest you save and how many years you cut by adding extra payments to your mortgage.Pay Raise & Pay Increase CalculatorEnter your current pay (yearly, monthly or hourly) and a raise as a percentage, an amount or your new salary. See the new pay, the extra in each paycheck, what the raise is worth after inflation and how it grows over the years.Savings Goal CalculatorFind out how long it will take to reach a savings target — or how much you need to put away each month to hit it by a certain date.Take-Home Pay CalculatorSee what a salary or hourly wage leaves after US federal income tax, Social Security, Medicare and your state’s rate, per year, per month and per paycheck. Uses the 2026 IRS brackets.Time and a Half CalculatorWork out your time-and-a-half rate and a week’s overtime pay. Enter your hourly rate and either your total hours or your overtime and double-time hours.VAT & Sales Tax CalculatorAdd VAT or sales tax to a net price, or take it out of a price that already includes it. Pick a country’s standard rate or type your own.

Related tools

Loan CalculatorEstimate your monthly payment (EMI), total interest and a full amortization schedule for any loan.Salary to Hourly ChartEvery common salary and hourly rate converted both ways, with monthly, biweekly and part-time figures.

Which tool do I need?

About these tools

Money calculators for the decisions that cost or earn the most: what a salary is worth per hour and after tax, what a raise adds to each paycheck, how fast a car loan or mortgage can be paid off, which debt to clear first, and how savings and fees compound over decades.

Each one uses a published formula with editable assumptions, explained on how our calculators work. Results are estimates for planning, not financial advice, and nothing you enter leaves your browser.

Frequently asked questions

Are the tax figures up to date?

The take-home pay calculator and the salary pages use the 2026 federal brackets and standard deduction from the IRS, and the 2026 Social Security wage base from the SSA. They are estimates: credits, itemized deductions and local taxes are not included.

Can I use these outside the US?

Most of them, yes. Loan, savings, fee, raise and salary-to-hourly calculators work in any currency. The take-home pay calculator and the tax lines on the salary pages are US-specific.

Is anything I enter saved or sent?

No. The calculations run in your browser and nothing you type is sent to us. The only exception that stores anything is the Invoice Generator, which keeps your draft on your own device.

Guides

← All free tools