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Calcipedia

๐Ÿ‡บ๐Ÿ‡ธ United States Calculators

52 calculators built specifically for United States audiences, using US tax rules, currency, measurement units, and regulatory standards.

Construction

Finance

Finance / Borrowing / Mortgages

๐Ÿ‡บ๐Ÿ‡ธUSA

28/36 Rule Calculator

Check whether a proposed mortgage payment and debt load fit the 28/36 rule, and see how much housing or debt headroom remains.

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Finance / Retirement

๐Ÿ‡บ๐Ÿ‡ธUSA

401(k) Calculator

Project a 401(k) balance with employer match, 2026 IRS contribution caps, plan-fee drag, salary growth, and today's-dollar retirement estimates.

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Finance / Saving & Investing

๐Ÿ‡บ๐Ÿ‡ธUSA

403(b) Calculator

Project a U.S. 403(b) from salary deferrals, employer match, age-based 2026 IRS limits, and long-term investment growth.

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Finance / Saving & Investing

๐Ÿ‡บ๐Ÿ‡ธUSA

529 Plan Calculator

Project a US 529 plan balance with monthly savings, annual aid, and college-cost inflation to see how much of a future education bill it may cover.

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Finance / Income & Pay

๐Ÿ‡บ๐Ÿ‡ธUSA

Adjusted Gross Income Calculator

Estimate US adjusted gross income from gross income and common above-the-line deductions with a deduction worksheet.

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Finance / Tax / Income Tax

๐Ÿ‡บ๐Ÿ‡ธUSA

Alabama Tax Calculator

Estimate 2025 Alabama state income tax from Alabama taxable income, filing status, and the official 2% / 4% / 5% schedule.

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Finance / Tax / Income Tax

๐Ÿ‡บ๐Ÿ‡ธUSA

AMT Calculator

Estimate 2025 federal alternative minimum tax from taxable income, net AMT adjustments, and the regular-tax comparison amount.

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Finance / Tax / Income Tax

๐Ÿ‡บ๐Ÿ‡ธUSA

Bonus Tax Calculator

Estimate 2026 US federal bonus withholding using the flat percentage or aggregate method.

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Finance / Income & Pay

๐Ÿ‡บ๐Ÿ‡ธUSA

California Sales Tax Calculator

Calculate California sales tax from the 7.25% statewide base plus a district rate, with a full state-versus-district breakdown.

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Finance / Income & Pay

๐Ÿ‡บ๐Ÿ‡ธUSA

California Tax Calculator

Estimate 2025 California state income tax from California taxable income, filing status, bracket worksheets, and the extra 1% tax above $1 million.

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Finance / Tax / Income Tax

๐Ÿ‡บ๐Ÿ‡ธUSA

Capital Gains Tax Calculator

Estimate 2025 US federal capital gains tax on a single asset sale using sale price, cost basis, selling costs, taxable income, and holding period.

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Finance / Tax / Income Tax

๐Ÿ‡บ๐Ÿ‡ธUSA

Child Tax Credit Calculator

Estimate 2025 child tax credit and refundable ACTC from AGI, filing status, earned income, and pre-credit tax liability.

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Finance / Borrowing / Mortgages

๐Ÿ‡บ๐Ÿ‡ธUSA

Earnest Money Calculator

Estimate a U.S. earnest money deposit, compare it with typical market ranges, and see how much cash may still be due at closing.

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Finance / Tax / Income Tax

๐Ÿ‡บ๐Ÿ‡ธUSA

Estate Tax Calculator

Estimate 2026 US federal estate tax from gross estate, deductions, adjusted taxable gifts, and any portable deceased-spouse exclusion amount.

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Finance / Borrowing / Mortgages

๐Ÿ‡บ๐Ÿ‡ธUSA

FHA Loan Calculator

Estimate a US FHA mortgage payment with upfront MIP, annual MIP duration, optional escrow costs, and the payment after MIP ends.

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Finance / Tax / Income Tax

๐Ÿ‡บ๐Ÿ‡ธUSA

FICA Tax Calculator

Estimate 2026 US employee, employer, combined payroll, or simplified self-employment FICA from compensation and prior year-to-date wages.

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Finance / Tax / Consumption Taxes

๐Ÿ‡บ๐Ÿ‡ธUSA

Florida Sales Tax Calculator

Estimate Florida sales tax from the 6% state rate plus the correct county surtax, including Florida's common first-$5,000 surtax cap rule.

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Finance / Borrowing / Mortgages

๐Ÿ‡บ๐Ÿ‡ธUSA

Gift of Equity Calculator

Estimate a U.S. family-sale gift of equity, the effective down payment it creates, and the starting loan-to-value ratio a lender may underwrite.

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Finance / Borrowing / Mortgages

๐Ÿ‡บ๐Ÿ‡ธUSA

HELOC Calculator

HELOC line, draw-period payment, repayment-period payment shock, and total interest from home value, mortgage balance, and a combined-LTV screen.

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Finance / Borrowing / Mortgages

๐Ÿ‡บ๐Ÿ‡ธUSA

Home Equity Loan Calculator

Estimate a U.S. fixed-rate home equity loan payment, CLTV fit, net cash after closing costs, and key amortization checkpoints.

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Finance / Tax / Income Tax

๐Ÿ‡บ๐Ÿ‡ธUSA

Illinois Tax Calculator

Estimate Illinois state income tax from Illinois base income, filing status, federal AGI, and current exemption-allowance rules.

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Finance / Tax / Income Tax

๐Ÿ‡บ๐Ÿ‡ธUSA

Income Tax Calculator

Estimate 2025 US federal income tax, effective and marginal rates, after-tax income, and bracket-by-bracket tax from gross income, filing status.

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Finance / Retirement

๐Ÿ‡บ๐Ÿ‡ธUSA

IRA Calculator

Project traditional IRA growth to retirement, estimate the potential current-year deduction value, and compare tax-deferred and taxable accumulation paths.

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Finance / Borrowing / Mortgages

๐Ÿ‡บ๐Ÿ‡ธUSA

Jumbo Loan Calculator

Estimate a U.S. jumbo mortgage payment, see whether the loan exceeds the selected FHFA conforming limit, and check the extra down payment needed.

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Finance / Income & Pay

๐Ÿ‡บ๐Ÿ‡ธUSA

Lottery Tax Calculator

Estimate lottery withholding, final federal and state tax, and the likely take-home gap between the initial check and your final tax bill.

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Finance / Tax / Income Tax

๐Ÿ‡บ๐Ÿ‡ธUSA

Marriage Tax Calculator

Compare 2025 US federal tax as two single returns versus one married-filing-jointly return to reveal a marriage bonus or penalty.

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Finance / Saving & Investing

๐Ÿ‡บ๐Ÿ‡ธUSA

Mega Millions Payout Calculator

Calculate Mega Millions lump sum and annuity payouts after federal and state taxes.

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Finance / Income & Pay

๐Ÿ‡บ๐Ÿ‡ธUSA

Mileage Reimbursement Calculator

Calculate US business mileage reimbursement from miles driven using the 2026 IRS business rate or a custom employer cents-per-mile rate.

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Finance / Income & Pay

๐Ÿ‡บ๐Ÿ‡ธUSA

Missouri Sales Tax Calculator

Calculate Missouri sales tax with base and local rates.

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Finance / Tax / Income Tax

๐Ÿ‡บ๐Ÿ‡ธUSA

Modified Adjusted Gross Income Calculator

Estimate Roth IRA or premium tax credit MAGI from AGI with the IRS add-backs that apply to each rule.

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Finance / Income & Pay

๐Ÿ‡บ๐Ÿ‡ธUSA

New Jersey Sales Tax Calculator

Calculate New Jersey sales tax at 6.625%.

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Finance / Income & Pay

๐Ÿ‡บ๐Ÿ‡ธUSA

New York Tax Calculator

Estimate New York state income tax using progressive brackets.

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Finance / Income & Pay

๐Ÿ‡บ๐Ÿ‡ธUSA

Ohio Sales Tax Calculator

Estimate Ohio sales tax from either a local add-on rate or an exact combined rate, and switch between pre-tax and tax-inclusive totals.

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Finance / Saving & Investing

๐Ÿ‡บ๐Ÿ‡ธUSA

Powerball Calculator

Calculate Powerball lump sum and annuity payouts after federal and state taxes.

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Finance / Borrowing / Mortgages

๐Ÿ‡บ๐Ÿ‡ธUSA

Rental Property Depreciation Calculator

Calculate annual straight-line depreciation deduction for a rental property under IRS 27.5-year residential rules.

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Finance / Retirement

๐Ÿ‡บ๐Ÿ‡ธUSA

Required Minimum Distribution Calculator

Calculate IRS required minimum distribution from retirement account balance and age.

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Finance / Retirement

๐Ÿ‡บ๐Ÿ‡ธUSA

Roth IRA Calculator

Project Roth IRA growth with tax-free withdrawals from current balance, annual contributions, catch-up limits, and expected returns.

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Finance / Tax / Income Tax

๐Ÿ‡บ๐Ÿ‡ธUSA

Self-Employment Tax Calculator

Estimate 2025 US self-employment tax, split the Social Security and Medicare portions, and see the deductible half of the tax.

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Finance / Retirement

๐Ÿ‡บ๐Ÿ‡ธUSA

SEP-IRA Calculator

Project SEP-IRA balance from self-employment income, contribution percentage, and investment return.

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Finance / Retirement

๐Ÿ‡บ๐Ÿ‡ธUSA

Social Security Break-Even Calculator

Compare cumulative Social Security benefits at different claiming ages to find break-even points.

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Finance / Retirement

๐Ÿ‡บ๐Ÿ‡ธUSA

Social Security Calculator

Estimate monthly Social Security retirement benefit by claiming age.

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Finance / Income & Pay

๐Ÿ‡บ๐Ÿ‡ธUSA

State Tax Calculator

Calculate state income tax using a flat rate model.

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Finance / Income & Pay

๐Ÿ‡บ๐Ÿ‡ธUSA

Tax Bracket Calculator

Calculate 2024 US federal income tax by bracket.

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Finance / Income & Pay

๐Ÿ‡บ๐Ÿ‡ธUSA

Texas Tax Calculator

Show that Texas has no state income tax.

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Finance / Borrowing / Mortgages

๐Ÿ‡บ๐Ÿ‡ธUSA

Va Mortgage Calculator

Estimate VA mortgage payment including funding fee handling, with amortisation summary and VA-specific eligibility notes.

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Health

Guides

United States Articles

Step-by-step guides written specifically for United States audiences.

Can You Afford to Retire Early? Running the FIRE Numbers Calculate your FIRE number, stress-test the 4% rule, and see whether early retirement is realistic once taxes, healthcare, and timing are factored in. How Much Does Your Daily Commute Really Cost? Calculate the true cost of driving to work โ€” fuel, mileage, wear and tear โ€” and see whether your commute is eating more of your salary than you realise. Is Your Side Business Profitable? Margin, Markup, and Break-Even Work out your real profit, price with confidence, and see whether your side business still makes money after costs, tax, and admin creep in. How to Create a Budget That Actually Sticks Each Month Build a US budget from real take-home pay, compare gross and net income, and set spending, savings, and buffer targets you can actually follow. How to Track Work Hours, Overtime, and Pay Accurately Learn how to track work hours, check overtime, and compare your time card to your paycheck so payroll mistakes get caught before they snowball. Best Student Loan Repayment Strategy: Avalanche, Snowball, or IDR? Compare US student loan repayment strategies, estimate monthly payments and total interest, and decide when avalanche, snowball, IDR, or refinancing makes sense. How to Start Saving for College Without Losing Sleep Work out a realistic college savings target, compare 529-style growth scenarios, and balance late starts, retirement, and future tuition costs. Is That Investment Worth It? How to Calculate Real Returns Learn to evaluate investments using ROI, compound interest, and growth projections โ€” so you can compare opportunities on an equal footing. How Much Will a Road Trip Cost? Fuel, Mileage, and Time Estimate road trip fuel costs, real-world mileage, and drive time so you can budget more accurately before you leave the driveway. Building Safe Stairs: Codes, Rise and Run, and Getting It Right Understand riser height, tread depth, and building codes โ€” then calculate your stair dimensions so they're comfortable, safe, and up to code. How to Build a Retirement Plan from Scratch A practical guide to estimating how much you need to retire, making the most of your 401(k), and understanding how compound interest works in your favour. EV vs Gas: The Real Cost Comparison Over 5 Years Compare charging, fuel, maintenance, and ownership costs over five years so you can see whether an EV or gas car fits your real driving pattern. What Does Your Salary Actually Buy? A Take-Home Pay Breakdown Understand the gap between your gross salary and what actually hits your bank account โ€” and how to convert between hourly, weekly, and annual pay. How Much Lumber Do You Need to Build a Backyard Deck? Estimate deck boards, stain coverage, and lumber volume before you buy, so your deck build does not turn into three extra yard runs and a cost overrun.

Looking for more? Browse all categories for universal calculators that work anywhere.