All Calculators
Practical U.S. calculators for real-life decisions: paycheck, rent, health insurance, debt, car costs, childcare, moving, work, and retirement.
Paycheck & Taxes
Estimate take-home pay, overtime, bonuses, contractor tradeoffs, and paycheck impact.
Paycheck & TaxesTake-Home Pay Calculator
Estimate your U.S. take-home pay after federal tax, state tax level, FICA, 401(k), and health insurance deductions.
Paycheck & TaxesHourly Wage to Annual Salary CalculatorConvert hourly pay into weekly, monthly, and annual income with optional unpaid weeks and rough after-tax estimates.
Paycheck & TaxesOvertime Pay CalculatorEstimate weekly overtime pay, time-and-a-half earnings, and rough after-tax overtime take-home.
Paycheck & TaxesBonus Tax CalculatorEstimate how much of a bonus may remain after federal withholding, state tax level, and payroll taxes.
Paycheck & Taxes1099 vs W-2 CalculatorCompare a contractor rate with a W-2 salary after self-employment tax, health insurance, unpaid time, expenses, and retirement.
Rent & Housing
Compare rent, move-in cash, mortgage payments, home affordability, and rent-vs-buy break-even points.
Rent & HousingRent Affordability Calculator
Estimate how much rent you can actually afford after taxes, debt, car costs, insurance, and savings goals.
Rent & HousingApartment Move-In Cost CalculatorEstimate first month, last month, security deposit, broker fee, application fees, movers, utilities, and basic furniture cash needed.
Rent & HousingMortgage Payment CalculatorEstimate a monthly mortgage payment with principal, interest, property tax, insurance, PMI, and HOA dues.
Rent & HousingHow Much House Can I Afford CalculatorEstimate a safe home price range from income, debt, down payment, interest rate, taxes, insurance, and monthly budget pressure.
Rent & HousingRent vs Buy Break-Even CalculatorEstimate how many years it may take buying to break even against renting after upfront costs, monthly differences, appreciation, and selling costs.
Health Insurance
Turn premiums, deductibles, copays, coinsurance, and subsidy estimates into a yearly cost picture.
Health InsuranceHealth Insurance Total Cost Calculator
Estimate annual health plan cost from premiums, deductible, copays, coinsurance, out-of-pocket maximum, and medical-use scenario.
Health InsuranceDeductible vs Copay CalculatorEstimate how deductible, copay, coinsurance, and out-of-pocket maximum interact for a medical bill.
Health InsuranceACA Subsidy Estimate CalculatorEstimate whether household income may qualify for Marketplace premium tax credit help and how much premium remains after a rough subsidy.
Loans & Debt
See payoff timelines, interest costs, extra-payment impact, and debt payoff strategy tradeoffs.
Loans & DebtCredit Card Payoff Calculator
Estimate how long it will take to pay off a credit card balance, total interest, and savings from extra monthly payments.
Loans & DebtDebt Snowball vs Avalanche CalculatorCompare a simple debt snowball payoff order against debt avalanche interest savings for three debts.
Loans & DebtStudent Loan Payoff CalculatorEstimate student loan payoff time, total interest, and the impact of paying extra each month.
Car & Commute
Estimate the real monthly cost of driving, owning a car, and commuting to work.
Car & CommuteTrue Cost of Car Ownership Calculator
Estimate the real monthly and annual cost of owning a car including payment, insurance, gas, maintenance, registration, parking, and depreciation.
Car & CommuteCommute Cost CalculatorEstimate monthly and annual commute cost including gas, parking, tolls, vehicle wear, and the value of time.
Car & CommuteCar Affordability CalculatorEstimate how much car payment may fit after income, rent, debt, insurance, gas, savings, and the 20/4/10 rule.
Family & Childcare
Compare childcare, take-home pay, benefits, and one-income household tradeoffs.
Family & ChildcareChildcare Cost Calculator
Estimate whether working after childcare costs still leaves meaningful take-home income after daycare, commute, taxes, benefits, and savings.
Family & ChildcareStay-at-Home Parent CalculatorCompare one-income household tradeoffs including lost take-home pay, saved childcare, lost benefits, retirement match, and re-entry assumptions.
Moving States
Compare salary, rent, taxes, car, childcare, and moving costs between U.S. states.
Work & Career
Compare job offers, PTO value, freelance rates, benefits, and commute penalties.
Work & CareerJob Offer Comparison Calculator
Compare two job offers by salary, bonus, health premiums, deductible risk, 401(k) match, PTO, commute, remote work, and relocation costs.
Work & CareerPTO Value CalculatorEstimate the dollar value of paid time off, holidays, and extra vacation days as part of total compensation.
Work & CareerFreelance Rate CalculatorEstimate a freelance hourly rate from target income, taxes, health insurance, unpaid time, expenses, retirement, and non-billable hours.
Retirement
Estimate 401(k) paycheck impact and Social Security claiming-age tradeoffs.
Retirement401(k) Paycheck Impact Calculator
Estimate how a traditional 401(k) contribution changes take-home pay, tax savings, employer match, and projected retirement value.
RetirementSocial Security Claiming Age CalculatorCompare rough lifetime Social Security benefits when claiming early, at full retirement age, or at age 70.