Calculators

Run the number before you make the move.

108 free calculators across 20 topics. Everything runs in your browser — nothing you type is stored or sent anywhere.

Federal Income Tax

CalculatorACA Premium Tax Credit Calculator: Subsidy and 400% CliffEstimate your marketplace premium tax credit for 2026 or 2027 coverage, your distance from the 400% poverty-line cliff, and what you could repay at tax time.

CalculatorAdoption Tax Credit CalculatorCalculate your federal adoption tax credit for 2026. Estimate refundable and non-refundable portions based on expenses, income, and filing status.

CalculatorAlternative Minimum Tax CalculatorEstimate whether regular federal tax or AMT is higher using current exemption and phaseout figures. Educational only — not Form 6251.

CalculatorChild Tax Credit CalculatorEstimate your child tax credit for 2025 or 2026 - $2,200 per child, up to $1,700 refundable - with the income phase-out and the Schedule 8812 refund math.

CalculatorEarned Income Tax Credit CalculatorEstimate your earned income tax credit for 2025 or 2026 from earned income, AGI, children, filing status and investment income - up to $8,231 for 2026.

CalculatorFederal Tax Bracket CalculatorEstimate federal income tax from taxable income and filing status, including OBBBA inflation on the lower brackets. For planning only, not a tax return.

CalculatorForeign Earned Income Exclusion CalculatorCalculate your foreign earned income exclusion (FEIE) for 2026. Estimate how much overseas income you can exclude and your federal tax savings.

CalculatorHSA Calculator: Triple Tax Advantage and GrowthProject your HSA balance at 65 and the tax you save on contributions and growth, using 2026 IRS limits ($4,400 self-only, $8,750 family, +$1,000 at 55).

CalculatorIRS Automatic Penalty Relief: AEP Eligibility CheckerCheck whether IRS Automatic Exemption from Penalty (AEP) or First Time Abate fits your late-filing, late-payment, or late-deposit facts. Not a guarantee.

CalculatorLottery Tax Calculator: How Much Will You Keep After Taxes?Calculate taxes on lottery winnings. See your take-home after federal and state taxes for Powerball, Mega Millions — lump sum or annuity payout.

CalculatorMAGI Calculator: Modified Adjusted Gross IncomeEstimate MAGI for Roth IRA limits, ACA premium credits, and Medicare IRMAA. Different programs use different add-backs. Educational only.

CalculatorNo Tax on Overtime CalculatorEstimate the no tax on overtime deduction from your overtime premium: up to $12,500 single or $25,000 joint for 2025-2028, with the MAGI phase-out.

CalculatorProrated Property Tax CalculatorSplit a property tax bill between buyer and seller at closing by days owned, and see who credits whom on the Closing Disclosure. Worked examples included.

CalculatorStandard Deduction CalculatorCompare the federal standard deduction with a rough itemized total, including age, blindness, and the OBBBA extra senior amount. Educational estimate only.

CalculatorTax Calculator AlternativeEstimate 2026 federal and state income tax with a breakdown of brackets, payroll tax, self-employment tax and credits. Educational only — not a tax return.

CalculatorTax Withholding CalculatorEstimate federal paycheck withholding from wages, filing status, and W-4-style settings so you can aim for a small refund or a small balance due. Planning only.

Real Estate Investing

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Calculator1031 Exchange Tax Calculator: Like-Kind Exchange DeferralCalculate tax deferral benefits and requirements for 1031 like-kind exchanges. Optimize real estate investment strategies with accurate tax analysis.

CalculatorAfter-Tax Cash Flow Calculator for Real Estate InvestorsCalculate after-tax cash flow for real estate investments and business analysis. Comprehensive tool for investment decision-making and tax planning.

CalculatorInvestment Property Mortgage CalculatorCalculate monthly mortgage payments, PITIA, and debt-to-income ratios for investment properties and primary residences. Includes PMI and DTI analysis.

CalculatorMortgage Refinance Calculator: Break-Even and SavingsFree mortgage refinance calculator with break-even analysis. Calculate refinancing savings, closing costs, and determine if refinancing makes financial sense.

CalculatorOpportunity Zone Calculator: Deferral, Step-Up, ExclusionFree Opportunity Zone calculator. Estimate when deferred gain is taxed, the basis step-up and the 10-year exclusion under the original and post-2026 QOZ rules.

CalculatorReal Estate Capital Gains Tax CalculatorCalculate federal capital gains tax on a home or rental property sale. Includes Section 121 exclusion, NIIT, 1031 exchange, and Opportunity Zone scenarios.

CalculatorReal Estate Investor DTI & Borrowing Power CalculatorCalculate your debt-to-income ratio as a real estate investor and find out exactly how much you can borrow for your next investment property.

CalculatorREIT CalculatorFree REIT calculator to analyze dividend income, tax implications, and total returns. Compare REIT types and optimize your real estate investment strategy.

CalculatorRental Property After-Tax Cash Flow CalculatorCalculate after-tax cash flow for rental properties including depreciation, mortgage interest deduction, and estimated tax liability.

CalculatorUS Rental Property ROI CalculatorCalculate NOI, cap rate, cash-on-cash return, DSCR, and total ROI for any US rental property investment in seconds.

Free · 1-page PDF-ready sheet

Every 2026 tax number on one page

Brackets, standard deduction, capital-gains thresholds, credits, and the new OBBBA deductions — one printable page instead of 40 IRS PDFs.

All 7 brackets for single, joint, and head of household
Tips, overtime, senior, and car-loan deduction caps
0% / 15% / 20% capital-gains breakpoints
Credits, estate and gift limits, AMT exemption

Retirement Planning

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Calculator401(k) Rollover Calculator: Compare IRA, Roth & Cash-OutFree 401(k) rollover calculator comparing a traditional IRA rollover, Roth conversion, new employer plan, and cash-out. See taxes, penalties, and growth for each.

CalculatorBackdoor Roth IRA Calculator for High EarnersFree backdoor Roth IRA calculator for high earners above the Roth income limits. Estimate the pro-rata tax on your conversion and the long-term value of tax-free growth.

CalculatorDivision 296 Tax Calculator: Australia Super Tax EstimatorFree Division 296 tax calculator for Australia. Calculate your superannuation tax liability on balances over $3M and $10M. Includes two-tier rates, 5-year projections, and indexed thresholds.

CalculatorExcess Roth IRA Contribution CalculatorEstimate excess Roth IRA contributions, net income attributable, the corrective distribution, and 6% Form 5329 tax. 2026 limits. Educational only.

CalculatorRoth Conversion Calculator: Tax Cost by BracketPrice a Roth conversion with the current federal brackets, see how much room is left in your bracket, and compare after-tax wealth with and without converting.

CalculatorSaver's Match CalculatorEstimate the 2027 Saver's Match from MAGI, eligible contributions, and testing-period distributions. Statutory §6433 model. Educational only.

CalculatorSocial Security Calculator: Best Age to Claim BenefitsCompare claiming Social Security at 62, full retirement age, or 70 with SSA's reduction and delayed-credit rules, break-even ages, survivor benefits and tax.

CalculatorSocial Security COLA Calculator: Your New BenefitEstimate your Social Security check after the next cost-of-living adjustment, net of the Medicare Part B premium and the hold-harmless rule, with a multi-year projection.

CalculatorSolo 401(k) Calculator: Self-Employed Contribution LimitsFind your maximum solo 401(k) contribution from net profit or S-corp salary, with 2026 limits, age 60–63 catch-ups, tax savings and a balance projection.

Business & Self-Employment Tax

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CalculatorDeferred Tax Liability Calculator: ASC 740 EstimatesCalculate deferred tax liabilities and assets for financial reporting. Comprehensive ASC 740 compliance tool for tax accounting professionals.

CalculatorHome Office Deduction CalculatorCalculate your home office deduction using the simplified method ($5/sq ft up to 300 sq ft) or actual expense method. For self-employed and 1099 workers.

CalculatorIFTA Fuel Tax Calculator for TruckersCalculate your quarterly IFTA fuel tax report. Enter miles and gallons by jurisdiction to find taxes owed or refunds due for commercial vehicles.

CalculatorMACRS Depreciation CalculatorCalculate MACRS depreciation for 3- to 39-year property, with Section 179, bonus depreciation, the half-year convention and mid-month tables for buildings.

CalculatorQBI Deduction CalculatorCalculate your 2026 Qualified Business Income deduction with our free Section 199A calculator. Get instant QBI estimates for pass-through businesses, S-corps, and LLCs.

CalculatorR&D Tax Credit Calculator: Federal and State CreditsCalculate federal and state R&D tax credits for qualified research activities. Compare the regular credit and the ASC, and check the payroll tax election.

CalculatorS Corp Payroll Tax Calculator: Owner Salary & Tax SavingsCalculate optimal S Corp owner salary and payroll taxes. Maximize tax savings while ensuring IRS compliance with reasonable compensation requirements.

CalculatorSurplus Lines Tax Calculator: Florida and 7 Other StatesEstimate surplus lines premium tax and stamping fees for Florida, California, New York, Texas, Illinois, Pennsylvania, Ohio and Georgia.

Capital Gains Tax

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CalculatorCapital Gains Tax CalculatorFree capital gains tax calculator. Calculate federal and state capital gains taxes on stocks, real estate, crypto, and investments. Optimize your tax strategy.

CalculatorCrypto Capital Gains Tax CalculatorEstimate US tax on selling, swapping, or spending crypto — and see why a wallet-to-wallet transfer is usually not a sale. Informational only.

CalculatorDividend Tax CalculatorCalculate federal tax on qualified and ordinary dividends. See how dividend income affects your tax bracket, NIIT exposure, and overall investment tax strategy.

CalculatorISO Tax Calculator: AMT on Incentive Stock OptionsEstimate the AMT from exercising incentive stock options, your earliest qualifying sale date, and the tax on a qualifying or disqualifying sale.

CalculatorNIIT Calculator: 3.8% Net Investment Income TaxEstimate the 3.8% net investment income tax from your MAGI and investment income, with Form 8960 rules for which expenses reduce it.

CalculatorQSBS Calculator: Section 1202 Tax Exclusion EstimateFree QSBS calculator for the Section 1202 exclusion. Estimate excluded gain, the per-issuer cap and federal tax saved on a qualified small business stock sale.

CalculatorTax Loss Harvesting CalculatorFind how much loss to harvest before year-end, what it saves this year, and how much carries forward, using the $3,000 ($1,500 MFS) capital loss limit.

Permit & Inspection Cost

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CalculatorBasement Permit Cost CalculatorFree basement permit cost calculator. Estimate permit fees for basement finishing, bedrooms, bathrooms, electrical work, plumbing, HVAC, egress, and inspections.

CalculatorBuilding Permit Cost CalculatorFree building permit cost calculator. Estimate permit fees, plan review, inspections, trade permits, and local cost factors before starting a construction or remodeling project.

CalculatorDeck Permit Cost CalculatorFree deck permit cost calculator. Estimate permit fees for ground-level decks, attached decks, elevated decks, stairs, railings, footings, and inspections.

CalculatorDemolition Permit Cost CalculatorFree demolition permit cost calculator. Estimate demo permit fees for interior demolition, residential demolition, commercial demolition, utility shutoffs, and inspections.

CalculatorElectrical Permit Cost CalculatorFree electrical permit cost calculator. Estimate permit fees for panel upgrades, new circuits, EV chargers, rewiring, inspections, and electrical project scope.

CalculatorFence Permit Cost CalculatorFree fence permit cost calculator. Estimate fence permit fees based on height, location, property rules, pool barrier requirements, and zoning review.

CalculatorPool Permit Cost CalculatorFree pool permit cost calculator. Estimate permit fees for in-ground pools, above-ground pools, spas, electrical work, fences, inspections, and safety review.

Savings & Personal Finance

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CalculatorAmortized Loan Calculator: Payment Schedule & Extra PaymentsFree amortized loan calculator with a full payment schedule, extra payment analysis, and eight payment frequencies. Works for mortgages, auto loans, and personal loans.

CalculatorCareer Break Calculator: The True Cost of Time OffFree career break financial impact calculator. See how taking time off work affects your lifetime earnings, retirement savings, and Social Security benefits.

CalculatorCrypto DCA Calculator: Dollar-Cost Averaging ReturnsFree cryptocurrency DCA calculator to analyze dollar-cost averaging strategies. Calculate Bitcoin, Ethereum returns with volatility and risk analysis.

CalculatorData Breach Cost Calculator: Identity Theft ImpactFree data breach cost calculator. Estimate the financial impact of identity theft, including fraud losses, recovery time, credit damage, and monitoring costs. Understand your real risk.

CalculatorInflation Savings Calculator: Adjust Your Savings GoalsFree inflation savings calculator. See how inflation affects your savings goals and how much you really need to save to maintain purchasing power.

CalculatorLoan Affordability Calculator: Can You Afford That Loan?Free loan affordability calculator. Check whether a loan payment fits your budget, see the largest loan you can afford, and learn how lenders use debt-to-income ratios.

CalculatorReal Cost of Debt Calculator: Lifetime & Opportunity CostFree debt cost calculator reveals the shocking truth. See how your $5,000 credit card debt actually costs $23,000+ over your lifetime with opportunity cost analysis.

US Import Tariffs & Duty Cost

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CalculatorCategory Tariff CalculatorEstimate import duty and landed cost by product category using trade-weighted tariff rates for 22 categories, from steel to apparel, toys, and pharma.

CalculatorContractor Materials Tariff CalculatorEstimate tariff costs on steel, aluminum, copper, lumber, and tools for construction bids, with Section 232 rates for common building materials.

CalculatorHousehold Tariff Basket CalculatorEstimate how much 2025–2026 import tariffs could add to a year of household spending on furniture, clothing, electronics, toys, cars, and appliances.

CalculatorHTS-8 Tariff CalculatorSearch 10,888 HTS-8 product codes by number or keyword, see each line's trade-weighted additional tariff rate, and estimate duty on your shipment value.

CalculatorImporter Landed Cost CalculatorCalculate landed cost and the gross-margin hit from tariffs, freight, and fees, then find the selling price or supplier discount that restores your margin.

CalculatorTariff Pass-Through CalculatorEstimate how much of an import tariff reaches the price a buyer pays, using adjustable pass-through and retail markup assumptions grounded in Fed research.

Education Savings

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Calculator529 vs UTMA/UGMA Calculator: Taxes and Financial AidCompare a 529 plan with a UTMA/UGMA custodial account year by year, including the kiddie tax, tax on the sale, state deductions and financial aid.

CalculatorAOTC Calculator: American Opportunity Tax CreditEstimate the American Opportunity Tax Credit per student, its refundable 40%, and the income phase-out, following Form 8863 line by line.

CalculatorAOTC vs LLC Calculator: Best Education Credit MixCompare the American Opportunity and Lifetime Learning credits student by student and see the best mix for your return, including refunds and the phase-out.

CalculatorLifetime Learning Credit Calculator: Estimate Your LLCEstimate the Lifetime Learning Credit for graduate school, job-skills courses, or extra undergraduate years, with the MAGI phase-out and the tax limit.

CalculatorStudent Loan Calculator: Payments, RAP & Standard PlansFree student loan calculator for monthly payments, grace period interest, and repayment plans, updated for the 2026-27 federal rates and the new RAP and Tiered Standard plans.

SIP & Mutual Fund Investing

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CalculatorGold SIP Calculator: Returns on Monthly Gold InvestingGold SIP calculator for gold ETFs, gold funds, digital and physical gold. Estimate grams accumulated, value, costs and tax on a monthly gold investment.

CalculatorSIP Calculator With Inflation: Real ReturnsCalculate inflation-adjusted SIP returns to understand real purchasing power. See how inflation erodes wealth and plan better investments.

CalculatorSIP Calculator: Mutual Fund SIP ReturnsFree SIP calculator to calculate returns on mutual fund investments. Plan your systematic investment with accurate projections for Groww, SBI, HDFC & more.

CalculatorSIP vs Lumpsum Calculator: Which Investment Is Better?Compare SIP vs lumpsum investment strategies. Free calculator shows which approach generates higher returns based on market conditions and your risk profile.

CalculatorStep-Up SIP Calculator: Returns With Annual IncreaseFree step-up SIP calculator to calculate returns with annual increase in SIP amount. See how increasing your SIP by 10-15% yearly accelerates wealth creation.

State Tax Comparison

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CalculatorCalifornia Form 540 2EZ Tax CalculatorEstimate your California Form 540 2EZ tax for single, joint, or head of household filers, with the standard deduction and up to three dependent credits built in.

CalculatorCalifornia State Income Tax Calculator (FTB Form 540)Estimate California state income tax with FTB rate schedules for every filing status, including the standard deduction, exemption credits, and the 1% tax over $1 million.

CalculatorMichigan Fuel Inventory Tax CalculatorEstimate the one-time Michigan inventory tax on gasoline and undyed diesel held in storage at the end of 2025, for end users and fuel resellers, with worked examples.

CalculatorMichigan Gas Tax CalculatorEstimate what Michigan's restructured per-gallon fuel tax costs you each year, net of the sales tax no longer charged on fuel, from your mileage and MPG.

CalculatorSt. Louis County Personal Property Tax CalculatorEstimate St. Louis County, Missouri real estate and personal property tax for Eureka and the Rockwood School District using Missouri assessment ratios and local levy rates.

Canadian Capital Gains Tax

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CalculatorACB Calculator — Adjusted Cost Base for Stocks (Canada)Calculate the weighted-average adjusted cost base (ACB) of Canadian stocks and ETFs bought in several lots, with ACB per share, capital gain, and tax.

CalculatorCanada Capital Loss Planner: Carryforward and CarrybackPlan how to use Canadian capital losses: offset this year's gains, apply carryforwards on line 25300, or carry a net capital loss back 3 years with Form T1A.

CalculatorCanadian Capital Gains Tax CalculatorEstimate Canadian capital gains tax by province: ACB, selling costs, the 50% inclusion rate, loss carryforwards, and after-tax proceeds, per CRA guide T4037.

CalculatorPrincipal Residence Exemption Calculator CanadaEstimate how much of a Canadian home sale is tax-free under the principal residence exemption, using the CRA's one-plus formula from Form T2091(IND).

Estate Planning

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CalculatorCharitable Remainder Trust Calculator: CRT Tax & IncomeFree CRT calculator. Estimate the charitable deduction for a CRUT or CRAT with IRS actuarial factors, the 10% remainder test, payments, and tax on distributions.

CalculatorEstate Tax Calculator: Federal and State Estate TaxFree estate tax calculator for federal estate tax and the 12 states plus DC with their own estate tax, including Illinois and Massachusetts. Plan your wealth transfer.

CalculatorGift Tax CalculatorCalculate gift tax on large gifts. See how much of the $19,000 annual exclusion you've used, whether you need Form 709, and how much lifetime exemption remains.

CalculatorPPLI Calculator: Private Placement Life Insurance BenefitsFree PPLI calculator for private placement life insurance. Calculate tax-free growth, death benefits, and estate planning advantages for ultra-high-net-worth individuals.

Working Families Tax Cuts

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CalculatorCar Loan Interest Deduction CalculatorEstimate the No Tax on Car Loan Interest deduction (up to $10,000) for new US-assembled cars, SUVs, vans, pickups, and motorcycles, with the MAGI phase-out.

CalculatorNo Tax on Tips CalculatorEstimate the No Tax on Tips deduction (up to $25,000) for servers, bartenders, dealers, hotel staff, drivers, and salon workers, with the MAGI phase-out.

CalculatorSenior Deduction CalculatorCalculate the extra $6,000 senior deduction for taxpayers 65+ (2025–2028), including the per-person 6% MAGI phase-out and the tax it saves.

CalculatorWorking Families Tax Cuts Savings EstimatorCombine No Tax on Tips, No Tax on Overtime, car loan interest, and the senior deduction into one estimate of your federal tax savings for 2025–2028.

Payroll Tax

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CalculatorBonus Tax CalculatorEstimate federal and state withholding on a bonus, compare the flat 22% supplemental rate with the aggregate method, and see what you actually owe.

CalculatorFSA & Commuter Benefits CalculatorEstimate income tax and FICA savings from a health FSA and pre-tax transit and parking, and see how much of your FSA election is at risk of forfeiture.

CalculatorPaycheck After Tax CalculatorEstimate take-home pay after federal income tax, Social Security, Medicare, and state income tax for hourly, salary, and biweekly pay. Planning only.

Side Hustle & Online Income

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Calculator1099 Tax Calculator for Independent ContractorsCalculate self-employment tax, federal income tax, and quarterly estimated payments on 1099 income. Covers SE tax deduction and business expense deductions.

CalculatorAffiliate Program Finder: Google Search Query GeneratorFree affiliate program finder tool. Generate targeted Google dork searches to discover affiliate programs in any niche. Find high-ticket, recurring, and beginner-friendly programs instantly.

CalculatorSide Hustle Tax Calculator: True Profit After Fees & TaxesFree side hustle profitability calculator. Calculate your actual earnings after platform fees, business expenses, self-employment tax, and income taxes. See if your side hustle is really worth it.

Retirement Income Tax

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CalculatorIRA Withdrawal Tax CalculatorCalculate federal and state taxes on IRA withdrawals, including the 10% early withdrawal penalty before 59½, the 25% SIMPLE IRA rule, and Roth IRA ordering rules.

CalculatorTaxable Social Security Benefits CalculatorFind out how much of your Social Security benefits are taxable. Based on your provisional income, 0%, up to 50%, or up to 85% of benefits may be subject to federal tax.

Canadian Disability Tax

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CalculatorT929 Disability Supports Deduction Calculator (Canada)Calculate your disability supports deduction for line 21500. Follows Form T929 line by line, including the $375-a-week student amount, with tax savings.

Contractor Business

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CalculatorGeneral Contractor License Cost Calculator by StateFree general contractor license cost calculator by state. Estimate application fees, registration fees, contractor bond premiums, insurance costs, exam prep, and local licensing requirements.

US Treasury Cash & TGA

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CalculatorTGA Cash Balance TrackerTrack the U.S. Treasury General Account (TGA) closing balance with live Daily Treasury Statement data, daily changes, and context for reading the moves.