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Calcipedia

πŸ‡ΊπŸ‡Έ United States Calculators

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

Construction

Finance

10/1 ARM Calculator: Reset Payment & Fixed Comparison calculator card image

Finance / Borrowing / Mortgages

10/1 ARM Calculator: Reset Payment & Fixed ComparisonπŸ‡ΊπŸ‡Έ

Use the 10/1 ARM calculator to project the opening payment, year-10 balance, reset-payment shock, extra-principal paydown, planned exit checkpoint.

28/36 Rule calculator card image

Finance / Borrowing / Mortgages

28/36 Rule CalculatorπŸ‡ΊπŸ‡Έ

Check whether a proposed mortgage payment and recurring debt load fit the 28/36 rule, then see the safe housing cap and the exact adjustment needed.

401(k) calculator card image

Finance / Retirement

401(k) CalculatorπŸ‡ΊπŸ‡Έ

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

403(b) calculator card image

Finance / Saving & Investing

403(b) CalculatorπŸ‡ΊπŸ‡Έ

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

529 Plan calculator card image

Finance / Saving & Investing

529 Plan CalculatorπŸ‡ΊπŸ‡Έ

Project a US 529 plan balance with monthly savings, annual aid, college-cost inflation.

Aca Health Insurance Subsidy calculator card image

Finance / Tax / Income Tax

Aca Health Insurance Subsidy CalculatorπŸ‡ΊπŸ‡Έ

Estimate ACA premium tax credit savings from household income, household size, and benchmark Silver premiums.

Adjusted Gross Income calculator card image

Finance / Tax / Income Tax

Adjusted Gross Income CalculatorπŸ‡ΊπŸ‡Έ

Estimate US adjusted gross income from gross income, filing-status context, and common above-the-line deductions with Schedule 1 guardrails.

Alabama Tax calculator card image

Finance / Tax / Income Tax

Alabama Tax CalculatorπŸ‡ΊπŸ‡Έ

Estimate 2025 Alabama state income tax from taxable income or an Alabama AGI bridge, compare filing statuses, and review the 2% / 4% / 5% bracket worksheet.

AMT calculator card image

Finance / Tax / Income Tax

AMT CalculatorπŸ‡ΊπŸ‡Έ

Estimate 2025 federal alternative minimum tax from taxable income, net AMT adjustments, any enhanced senior deduction add-back.

ARM Mortgage calculator card image

Finance / Borrowing / Mortgages

ARM Mortgage CalculatorπŸ‡ΊπŸ‡Έ

Estimate ARM teaser payment, first reset payment shock, fully indexed rate, capped worst-case payment path, and an ARM vs fixed-rate mortgage checkpoint.

Bonus Tax calculator card image

Finance / Tax / Income Tax

Bonus Tax CalculatorπŸ‡ΊπŸ‡Έ

Estimate 2026 US federal bonus withholding using the flat percentage or aggregate method, compare both methods.

California Sales Tax calculator card image

Finance / Tax / Consumption Taxes

California Sales Tax CalculatorπŸ‡ΊπŸ‡Έ

Calculate California sales tax from the 7.25% statewide base plus a district rate, break the statewide base into its official components.

California Tax calculator card image

Finance / Tax / Income Tax

California Tax CalculatorπŸ‡ΊπŸ‡Έ

Estimate 2025 California state income tax from California taxable income, filing status, the FTB tax table, bracket worksheets.

Capital Gains Tax calculator card image

Finance / Tax / Income Tax

Capital Gains Tax CalculatorπŸ‡ΊπŸ‡Έ

Estimate 2025 or 2026 US federal capital gains tax on a single asset sale using sale price, cost basis, selling costs, taxable income, holding period.

Car Insurance Estimator calculator card image

Finance / Insurance

Car Insurance EstimatorπŸ‡ΊπŸ‡Έ

Estimate a realistic car insurance premium range from age, vehicle value, coverage level, deductible, mileage, and risk factors with transparent assumptions.

CD calculator card image

Finance / Saving & Investing

CD CalculatorπŸ‡ΊπŸ‡Έ

Estimate certificate of deposit maturity value from a deposit, APY or nominal rate, term, and compounding frequency, then compare CD interest, target progress.

Child Tax Credit calculator card image

Finance / Tax / Income Tax

Child Tax Credit CalculatorπŸ‡ΊπŸ‡Έ

Estimate the 2025 US Child Tax Credit, Additional Child Tax Credit, and Credit for Other Dependents from filing status, AGI, earned income, tax liability.

Cost of Living Comparison calculator card image

Finance / Saving & Investing

Cost of Living Comparison CalculatorπŸ‡ΊπŸ‡Έ

Compare U.S. metro cost of living, equivalent salary, target take-home pay, monthly surplus or shortfall.

Credit Utilization calculator card image

Finance / Debt & Credit

Credit Utilization CalculatorπŸ‡ΊπŸ‡Έ

Use this credit utilization calculator to check overall and per-card credit card utilization, then plan paydowns or credit-limit increases toward a 30%, 10%.

Crypto Tax calculator card image

Finance / Currency & Crypto

Crypto Tax CalculatorπŸ‡ΊπŸ‡Έ

Estimate gain or loss on a single U.S.

Debt-to-Income Ratio calculator card image

Finance / Borrowing / Mortgages

Debt-to-Income Ratio CalculatorπŸ‡ΊπŸ‡Έ

Use this debt-to-income ratio calculator to compare front-end and back-end DTI, itemize monthly debts, check mortgage readiness.

Down Payment calculator card image

Finance / Borrowing / Mortgages

Down Payment CalculatorπŸ‡ΊπŸ‡Έ

Use this down payment calculator to compare house down payment percentages, mortgage payment, PMI, cash needed at closing, and reserve gap for a U.S.

Earnest Money calculator card image

Finance / Borrowing / Mortgages

Earnest Money CalculatorπŸ‡ΊπŸ‡Έ

Estimate a U.S. earnest money deposit, compare it with calm, balanced, competitive, or multiple-offer market ranges.

Finance / Tax / Income Tax

Estate Tax CalculatorπŸ‡ΊπŸ‡Έ

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

FHA Loan calculator card image

Finance / Borrowing / Mortgages

FHA Loan CalculatorπŸ‡ΊπŸ‡Έ

Estimate a US FHA mortgage payment with upfront MIP, annual MIP duration, 2026 FHA loan-limit checks, optional escrow costs, and the payment after MIP ends.

FICA Tax calculator card image

Finance / Tax / Income Tax

FICA Tax CalculatorπŸ‡ΊπŸ‡Έ

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

Finance / Tax / Consumption Taxes

Florida Sales Tax CalculatorπŸ‡ΊπŸ‡Έ

Calculate Florida sales tax from the 6% state rate plus the selected county surtax, with pre-tax and reverse-tax support and the common first-$5,000 cap rule.

Finance / Borrowing / Mortgages

Gift of Equity CalculatorπŸ‡ΊπŸ‡Έ

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.

HELOC calculator card image

Finance / Borrowing / Mortgages

HELOC CalculatorπŸ‡ΊπŸ‡Έ

HELOC line, interest-only draw payment, repayment-period payment shock, and variable-rate stress payment from home value, mortgage balance, and CLTV.

Home Equity Loan calculator card image

Finance / Borrowing / Mortgages

Home Equity Loan CalculatorπŸ‡ΊπŸ‡Έ

fixed-rate home equity loan payment, CLTV fit, net cash after closing costs, financed-versus-upfront fee tradeoffs, and key amortization checkpoints.

Finance / Tax / Income Tax

Illinois Tax CalculatorπŸ‡ΊπŸ‡Έ

Estimate 2026 Illinois state income tax from Illinois base income, filing status, federal AGI, exemption allowance phaseout rules.

Finance / Retirement

IRA CalculatorπŸ‡ΊπŸ‡Έ

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

Finance / Borrowing / Mortgages

Jumbo Loan CalculatorπŸ‡ΊπŸ‡Έ

Use this jumbo loan calculator to estimate a U.S.

Finance / Income & Pay

Lottery Tax CalculatorπŸ‡ΊπŸ‡Έ

Estimate lottery withholding, final federal and state tax, reserve-setting needs.

Finance / Tax / Income Tax

Marriage Tax CalculatorπŸ‡ΊπŸ‡Έ

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

Mega Millions Payout calculator card image

Finance / Saving & Investing

Mega Millions Payout CalculatorπŸ‡ΊπŸ‡Έ

Estimate Mega Millions cash option, annuity, after-tax take-home, and cash-path growth using editable tax and return assumptions.

Missouri Sales Tax calculator card image

Finance / Tax / Consumption Taxes

Missouri Sales Tax CalculatorπŸ‡ΊπŸ‡Έ

Calculate Missouri sales tax from the 4.225% general state base or 1.225% qualifying-food base, add a local rate, reverse tax from a receipt total.

Finance / Tax / Income Tax

Modified Adjusted Gross Income CalculatorπŸ‡ΊπŸ‡Έ

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

Finance / Tax / Consumption Taxes

New Jersey Sales Tax CalculatorπŸ‡ΊπŸ‡Έ

Calculate New Jersey sales tax at the statewide 6.625% rate, compare UEZ and exempt outcomes, and understand when ZIP code lookup does and does not matter.

New York Tax calculator card image

Finance / Tax / Income Tax

New York Tax CalculatorπŸ‡ΊπŸ‡Έ

Use this New York tax calculator to estimate 2025 New York State income tax from taxable income, compare NYC or Yonkers resident tax at the same income.

Finance / Tax / Consumption Taxes

Ohio Sales Tax CalculatorπŸ‡ΊπŸ‡Έ

Calculate Ohio sales tax from a 5.75% state base plus local add-ons or an exact combined Finder rate.

Pennies to Dollars calculator card image

Finance / Saving & Investing

Pennies to Dollars CalculatorπŸ‡ΊπŸ‡Έ

Convert U.S. pennies or cents into dollars, full penny rolls, loose cents, estimated penny weight, and reverse-check dollars back into pennies.

Finance / Saving & Investing

Powerball CalculatorπŸ‡ΊπŸ‡Έ

Estimate Powerball cash option, annuity, and after-tax take-home amounts using editable federal and state tax assumptions.

Finance / Borrowing / Mortgages

Rental Property Depreciation CalculatorπŸ‡ΊπŸ‡Έ

Estimate residential rental property depreciation.

Finance / Retirement

Roth IRA CalculatorπŸ‡ΊπŸ‡Έ

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

Salary Inflation calculator card image

Finance / Income & Pay

Salary Inflation CalculatorπŸ‡ΊπŸ‡Έ

Use this salary inflation calculator to compare salary vs inflation, estimate an inflation-adjusted salary.

Finance / Tax / Income Tax

Self-Employment Tax CalculatorπŸ‡ΊπŸ‡Έ

Estimate 2025 US self-employment tax for freelance, 1099, and independent contractor income, including W-2 overlap, Additional Medicare thresholds.

Finance / Retirement

Social Security CalculatorπŸ‡ΊπŸ‡Έ

Estimate monthly Social Security retirement benefit by claiming age.

State Tax calculator card image

Finance / Income & Pay

State Tax CalculatorπŸ‡ΊπŸ‡Έ

Estimate state income tax from taxable income using a flat state tax rate, then compare tax amount, after-tax income, pay-period reserves.

Finance / Tax / Income Tax

Tax Bracket CalculatorπŸ‡ΊπŸ‡Έ

Use this tax bracket calculator to estimate your 2025 or 2026 US federal tax bracket, total tax, marginal rate, effective rate.

Finance / Income & Pay

Texas Tax CalculatorπŸ‡ΊπŸ‡Έ

Use this Texas tax calculator to confirm Texas has no state income tax, review monthly and biweekly after-state-income baselines.

US Federal Income Tax calculator card image

Finance / Tax / Income Tax

US Federal Income Tax CalculatorπŸ‡ΊπŸ‡Έ

Estimate 2025 US federal income tax by filing status with standard or custom deductions, credits, withholding, effective and marginal rates.

Finance / Borrowing / Mortgages

Va Mortgage CalculatorπŸ‡ΊπŸ‡Έ

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

Health

Air Force PT Test calculator card image

Health / Fitness / Strength & Performance

Air Force PT Test CalculatorπŸ‡ΊπŸ‡Έ

Score the current Air Force PFRA with waist-to-height ratio, 2-mile run, 20-meter HAMR, 2.0 kilometer walk, push-ups or hand-release push-ups, sit-up.

Army Body Fat calculator card image

Health / Body Metrics

Army Body Fat CalculatorπŸ‡ΊπŸ‡Έ

Estimate Army body fat percentage with the current one-site abdomen method, compare the rounded result with Army body fat standards.

GLP-1 calculator card image

Health / Medical / Weight Loss Medication

GLP-1 CalculatorπŸ‡ΊπŸ‡Έ

Use this GLP-1 calculator master page to choose the right GLP-1 calculator for broad planning intent, including weight-loss projection, medication comparison.

GLP-1 Cost calculator card image

Health / Medical / Weight Loss Medication

GLP-1 Cost CalculatorπŸ‡ΊπŸ‡Έ

Compare current GLP-1 list-price references, official self-pay or savings routes.

GLP-1 Dose Schedule calculator card image

Health / Medical / Weight Loss Medication

GLP-1 Dose Schedule CalculatorπŸ‡ΊπŸ‡Έ

Build a dated GLP-1 dose schedule and titration calendar for Wegovy, Zepbound, Ozempic, Mounjaro, Saxenda, or Rybelsus with dose holds, target-dose planning.

GLP-1 Eligibility calculator card image

Health / Medical / Weight Loss Medication

GLP-1 Eligibility CalculatorπŸ‡ΊπŸ‡Έ

Screen BMI, age context, and weight-related health conditions against the FDA label framework for GLP-1 weight-loss medications such as Wegovy, Zepbound.

Legacy ACFT calculator card image

Health / Fitness / Strength & Performance

Legacy ACFT CalculatorπŸ‡ΊπŸ‡Έ

Score a legacy six-event ACFT worksheet for historical comparison, with quick scenarios, failed-event callouts.

Life Expectancy calculator card image

Health / Ageing

Life Expectancy CalculatorπŸ‡ΊπŸ‡Έ

Look up the official 2023 U.S. period life-table average for remaining years of life from completed age and sex, with median age and milestone survival context.

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 β€” fuel, mileage, wear and tear β€” 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 β€” 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 β€” 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 β€” 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.

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