Financial calculators that show the real number

Why USFinCalc

Every calculator here is designed to reflect real-world complexity. Where competitors stop at a bare monthly payment, we model the costs that actually hit your bank account: property taxes and insurance on a mortgage, state income tax on your paycheck, sales tax on a car, and federal plus FICA withholding on vesting equity. The result is a number you can act on, not a rough guess.

All calculations run entirely in your browser. We store nothing, require no sign-up, and never send your inputs anywhere.

Which calculator should you start with?

Planning to buy a home? Start with the Home Affordability Calculator to find your realistic price range using the 28/36 debt-to-income rule, then move to the Mortgage Calculator to see the full monthly payment — including property taxes, homeowners insurance, and PMI — for a specific house. Most people are surprised to find the true payment runs 25–40% above the principal-and-interest figure that listing sites advertise.

Evaluating a job offer or a raise? The Paycheck Calculator converts a gross salary into actual take-home pay after federal tax, Social Security, Medicare, and your state's income tax. Because state tax varies from 0% (Texas, Florida, Washington) to over 13% (California's top bracket), the same $120,000 offer can differ by hundreds of dollars a month depending on where you live.

Receiving equity compensation? Tech and finance employees vesting RSUs should check the RSU Tax Calculator before making plans for the money. Employers typically withhold a flat 22% federal rate on vested shares, but if your total income lands in the 32–37% brackets, you may owe thousands more at tax time. Selling shares later? The Capital Gains Tax Calculator shows the long-term versus short-term difference.

Paying down debt or saving ahead? The Student Loan and Auto Loan calculators show how extra payments cut years of interest, while the Retirement, 529 College Savings, and HSA calculators project long-horizon growth with employer matches, rising tuition, and triple tax advantages modeled in.

How our numbers are built

Every tax figure on this site traces to a primary source: federal brackets and standard deductions from the IRS, the Social Security wage base and FICA rates from the SSA, and state rate structures from each state's revenue authority. When annual figures change, we update the calculators and note the tax year directly on each page. The math itself is cross-checked against independent reference values before any calculator ships — an amortization result that doesn't match a hand-computed schedule doesn't go live.

We are equally explicit about what we simplify. State income tax uses each state's general rate structure rather than modeling every county surtax, local levy, and niche credit — a deliberate tradeoff, explained on every page it affects, that keeps the tools fast and broadly accurate. For the full detail on assumptions and limits, see our Disclaimer, and for who builds and reviews these tools, see About.

If you want the reasoning behind the numbers — how PMI drops off, why tax brackets are marginal, what an employer 401(k) match is really worth — our Guides section walks through each topic in plain English with worked examples that tie back to the calculators.