Free Financial Calculators

No signup, no paywall. Enter your numbers and get an instant estimate — with a plain-language breakdown of how it is calculated.

No calculator matches that — try “tax”, “mortgage” or “Roth”.

Tax & Self-Employment

self-employment-tax-calculatorCalculate self-employment tax on your net income at 15.3% (12.4% Social Security + 2.9% Medicare). See the deductible half instantly. Free, no signup.
1099-tax-calculatorEstimate your total 1099 taxes: 15.3% self-employment tax plus federal income tax at 2026 brackets. Free 1099 tax estimator, no signup.
quarterly-estimated-tax-calculatorSplit your self-employment tax bill into four quarterly estimated payments with 2026 due dates. Free quarterly tax calculator for freelancers.
self-employed-tax-deductions-calculatorAdd up the self-employed deductions you qualify for — home office, mileage, health insurance, retirement — and estimate your tax savings. Free.
s-corp-vs-llc-tax-savings-calculatorCompare self-employment tax as an LLC sole prop vs an S corp salary split, and see your estimated annual savings. Free, no signup.

freelance-hourly-rate-calculatorWork backwards from the take-home income you want to the hourly rate you must charge, with taxes and non-billable time built in. Free.
salary-to-hourly-calculatorConvert any annual salary to an hourly rate instantly. See 60,000 a year is how much an hour, plus weekly and monthly pay. Free, no signup.

usda-loan-mortgage-calculatorEstimate a USDA rural housing loan payment: principal, interest, the 1% upfront fee, the 0.35% annual fee, taxes, and insurance. Free.
land-mortgage-calculatorCalculate monthly payments on a land or lot loan, with down payment and shorter-term scenarios. Free, no signup.
commercial-mortgage-calculatorEstimate monthly payments on a commercial real estate loan: loan amount, rate, and amortization term. Free commercial mortgage calculator.
15-year-vs-30-year-mortgage-calculatorCompare a 15-year and 30-year mortgage side by side: monthly payment, total interest, and the true cost of the shorter term. Free.

debt-snowball-calculatorList debts smallest balance first and see the payoff order, debt-free date, and total interest — snowball vs avalanche on your own numbers. Free.
car-loan-payoff-calculatorAdd extra monthly cash to your auto loan and watch the payoff date move closer while interest costs shrink. Free.
cash-out-refinance-calculatorSee how much cash you can pull from your home equity and what the new mortgage payment becomes. Free.

roth-ira-calculatorProject your Roth IRA balance at retirement with the 2026 contribution limit and income phase-outs built in. Free.
cd-interest-calculatorEnter a deposit, APY and term to see maturity value and total interest, benchmarked against 2026 top CD rates. Free.

employer-payroll-tax-calculatorAdd employer FICA, FUTA and state SUTA to any salary and see the true cost of each employee. Free.
mileage-reimbursement-calculatorApply the 2026 IRS mileage rates — including the mid-year 72.5¢/76¢ split — plus parking and tolls. Free.
pto-accrual-calculatorCalculate vacation hours accrued per pay period, month or year — flat-rate and per-hour methods. Free.

How Much Cash Can You Take Out of Your House?The cash-out ceiling is a formula, not a lookup: home value x LTV cap, minus your balance and closing costs. Worked example with the three costs people forget.
What You Owe in Self-Employment Tax on $65,000Why 15.3% overstates the bill: the 92.35% base, the 2026 wage base and the deductible half, in plain numbers.
Roth IRA Limits for 2026The $7,500 / $8,600 contribution caps, the MAGI phase-out ranges, and the worksheet most people get wrong.
$65,000 a Year Is How Much an Hour?$31.25 gross, $26.16 as an employee, $24.40 on a 1099 — and the $3,660.66 gap between the last two, with every line shown.
$100,000 Take-Home Pay in 2026Line by line from $100,000 gross to $79,180.00 net for a single filer and $84,710.00 married — brackets, FICA, 401(k) and the 1099 case.
Roth IRA at 25 vs 35: The $736,220 Head StartSame $7,000 a year, same 7% return: $1,397,446 against $661,226, and why the lost decade cannot be bought back inside the limit.
One Extra $100/Month on Your Mortgage$360,000 at 6.75%: the extra $100 erases $67,177.17 of interest and 42 months — with the honest 15-year comparison next to it.
1099 vs W-2 at $70,000The same work nets $58,075.00 as an employee and $54,482.76 as a contractor — the $3,592.24 gap, line by line.
S Corp vs LLC at $80,000 Profit$4,383.64 saved at a $40,000 salary, zero at $68,651.24 — the exact break-even and the formula behind it.