United States tools
Free USA Calculators for Pay, Tax, Housing, Debt and Daily Costs
Use practical USA calculators for paycheck and federal tax estimates, retirement contributions, debt payoff, mortgages, cars, commuting, shipping and household planning.
Useful calculators for people living, working, buying and saving in the United States
Each calculator includes its assumptions, source labels, instructions, FAQs, copy and download controls.
USA Paycheck Calculator 2026
Estimate US federal income tax, Social Security, Medicare, optional state tax and take-home pay for tax year 2026.
Free toolUSA Daily Life ToolsUSA Sales Tax Calculator
Add or reverse estimated US state and local sales tax using a state base rate and optional local rate.
Free toolUSA Daily Life ToolsUSA Federal Income Tax Calculator 2026
Estimate 2026 federal income tax from taxable income, filing status and credits.
Free toolUSA Daily Life ToolsUSA Self-Employment Tax Calculator 2026
Estimate Social Security and Medicare self-employment tax plus the deductible half.
Free toolUSA Daily Life ToolsUSA Overtime Pay Calculator
Calculate regular pay, time-and-a-half overtime and total weekly gross pay.
Free toolUSA Daily Life ToolsUSA Biweekly Paycheck Calculator
Convert annual salary into biweekly gross pay and estimate entered deductions.
Free toolUSA Daily Life ToolsUSA Salary to Hourly Calculator
Convert annual salary into hourly, weekly, biweekly and monthly gross pay.
Free toolUSA Daily Life ToolsUSA Freelance Hourly Rate Calculator
Estimate a sustainable freelance rate from income goal, business costs, taxes and billable hours.
Free toolUSA Daily Life ToolsUSA PTO Accrual Calculator
Estimate paid-time-off hours earned per pay period and current balance.
Free toolUSA Daily Life ToolsUSA PTO Payout Calculator
Estimate the gross value of unused PTO hours.
Free toolUSA Daily Life ToolsUSA Pay Raise Calculator
Calculate new salary, annual increase and estimated per-pay increase after a raise.
Free toolUSA Daily Life ToolsUSA Bonus After-Tax Calculator
Estimate a bonus after entered federal, state, Social Security and Medicare withholding rates.
Free toolUSA Daily Life ToolsUSA 401(k) Contribution Calculator 2026
Plan employee 401(k) contributions against the 2026 elective-deferral limit.
Free toolUSA Daily Life ToolsUSA 401(k) Employer Match Calculator
Estimate employee contributions and employer match using a match rate and salary cap.
Free toolUSA Daily Life ToolsUSA IRA Contribution Planner 2026
Plan monthly deposits toward the 2026 IRA contribution limit.
Free toolUSA Daily Life ToolsUSA HSA Contribution Calculator 2026
Plan HSA contributions using self-only or family 2026 limits and employer deposits.
Free toolUSA Daily Life ToolsUSA Health FSA Contribution Planner 2026
Plan payroll deductions toward an editable annual health FSA election.
Free toolUSA Daily Life ToolsUSA Emergency Fund Calculator
Estimate an emergency-fund target from essential monthly expenses and desired coverage.
Free toolUSA Daily Life ToolsUSA Retirement Savings Calculator
Project retirement savings from current balance, monthly deposits, return and years.
Free toolUSA Daily Life ToolsUSA 529 College Savings Calculator
Project a 529 education-savings balance and compare it with a future tuition target.
Free toolUSA Daily Life ToolsUSA Credit Card Payoff Calculator
Estimate payoff time and interest for a credit-card balance with fixed monthly payments.
Free toolUSA Daily Life ToolsUSA Debt Snowball Calculator
Compare a simple debt-snowball payoff schedule for up to three balances.
Free toolUSA Daily Life ToolsUSA Student Loan Payment Calculator
Estimate a fixed student-loan monthly payment, total interest and payoff date.
Free toolUSA Daily Life ToolsUSA Student Loan Extra Payment Calculator
Estimate how extra monthly student-loan payments may reduce time and interest.
Free toolUSA Daily Life ToolsUSA Auto Loan Calculator
Calculate vehicle-loan payment, total interest and total financed cost.
Free toolUSA Daily Life ToolsUSA Car Lease Payment Calculator
Estimate a monthly car-lease payment from cap cost, residual value, money factor and tax.
Free toolUSA Daily Life ToolsUSA Car Depreciation Calculator
Estimate future vehicle value using an annual depreciation rate.
Free toolUSA Daily Life ToolsUSA Annual Car Ownership Cost Calculator
Combine loan, insurance, fuel, maintenance, registration and depreciation into an annual ownership estimate.
Free toolUSA Daily Life ToolsUSA Gas vs EV Cost Calculator
Compare annual fuel cost for a gasoline vehicle and electric vehicle.
Free toolUSA Daily Life ToolsUSA Business Mileage Deduction Calculator 2026
Estimate a deductible amount from business miles and an editable IRS mileage rate.
Free toolUSA Daily Life ToolsUSA Commute Cost Calculator
Estimate monthly and annual commuting cost from distance, workdays, vehicle efficiency and parking.
Free toolUSA Daily Life ToolsUSA Home Affordability Calculator
Estimate a home-price range from income, debts, down payment, rate and debt-to-income target.
Free toolUSA Daily Life ToolsUSA Mortgage PMI Calculator
Estimate monthly private mortgage insurance from loan amount and annual PMI rate.
Free toolUSA Daily Life ToolsUSA Mortgage Points Break-Even Calculator
Calculate how long monthly interest savings may take to recover discount-point cost.
Free toolUSA Daily Life ToolsUSA Closing Cost Calculator
Estimate buyer closing costs from price, lender fees, title costs, prepaid items and credits.
Free toolUSA Daily Life ToolsUSA Mortgage Refinance Break-Even Calculator
Estimate refinance payment savings and months to recover closing costs.
Free toolUSA Daily Life ToolsUSA HELOC Payment Calculator
Estimate interest-only and amortizing payments for a home-equity line balance.
Free toolUSA Daily Life ToolsUSA Property Tax Monthly Calculator
Estimate annual and monthly property tax from assessed value and local tax rate.
Free toolUSA Daily Life ToolsUSA Rent Increase Calculator
Calculate a proposed rent increase in dollars, percentage and annual cost.
Free toolUSA Daily Life ToolsUSA Moving Cost Calculator
Estimate a move from truck/mover charges, mileage, packing, storage and travel.
Free toolUSA Daily Life ToolsUSA Shipping Dimensional Weight Calculator
Calculate dimensional weight and compare it with actual package weight.
Free toolUSA Daily Life ToolsUSA Work From Home Savings Calculator
Estimate commuting, meal and clothing savings minus added home costs.
Free toolFinance CalculatorsHourly to Salary Calculator
Convert hourly rate to annual salary.
Free toolFinance CalculatorsOvertime Pay Calculator
Calculate regular and overtime pay.
Free toolGlobal Daily Life ToolsMortgage Payment Calculator
Calculate monthly principal and interest plus optional property tax, insurance and association fees.
Free toolGlobal Daily Life ToolsMortgage Extra Payment Calculator
Compare a standard mortgage schedule with regular extra monthly payments to estimate time and interest saved.
Free toolGlobal Daily Life ToolsRent Affordability Calculator
Estimate a comfortable monthly rent from household income, debt payments, utilities and a chosen rent-to-income target.
Free toolGlobal Daily Life ToolsFuel Trip Cost Calculator
Estimate fuel used, trip cost and cost per passenger using miles/MPG or kilometres/L per 100 km.
Free toolGlobal Daily Life ToolsEV Charging Cost Calculator
Estimate the electricity required and cost to charge an electric vehicle between two battery levels.
Free toolGlobal Daily Life ToolsTip and Bill Split Calculator
Add a tip, include optional fees and split a restaurant or service bill between multiple people.
Free toolGlobal Daily Life ToolsWork Hours and Timesheet Calculator
Calculate paid hours from start time, finish time and breaks, including shifts that pass midnight.
Free toolGlobal Daily Life ToolsElectricity Appliance Cost Calculator
Estimate how much an appliance costs to run each day, month and year from wattage and electricity price.
Free toolGlobal Daily Life ToolsRent Split Calculator
Split rent equally or by income/room weight between up to four occupants.
How to use these estimates responsibly
Country tax, payroll and property rules change. ToolnixHub displays the reviewed date and official references on regulated calculators. Results are educational estimates rather than tax returns, payroll advice, lender quotes or legal opinions.
Use the result to understand a scenario, then confirm important amounts with the relevant government calculator, employer, lender, solicitor, accountant or other qualified professional.