Financial calculators that show the real number
Most calculators give you a simplified estimate. USFinCalc gives you the full picture — taxes, insurance, PMI, real take-home pay by state, and true after-tax equity value. Free, fast, and built for Americans.
Choose a calculator
Mortgage Calculator
Full PITI: principal, interest, taxes, insurance & PMI — not just P&I.
Home Affordability Calculator
How much house can you afford? The 28/36 rule with full PITI.
Paycheck Calculator
Real take-home pay with federal, FICA & all-50-state taxes.
Auto Loan Calculator
True monthly cost with sales tax, trade-in & down payment.
Student Loan Calculator
Standard payment plus interest and time saved by paying extra.
RSU Tax Calculator
After-tax value of vesting RSUs with bracket & FICA analysis.
Capital Gains Tax Calculator
Federal tax on a sale: long-term 0/15/20%, short-term, and NIIT.
Retirement Calculator
401k/IRA growth with employer match and inflation.
529 College Savings Calculator
Project a 529 against rising tuition — and the gap to close.
HSA Tax Savings Calculator
Federal, FICA & state savings from an HSA, plus tax-free growth.
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.