Every calculator, one page

All calculators

The complete list, tax, money and the cost of life's decisions, grouped so you can find yours fast. Every tool is free, runs in your browser, and stores nothing.

Tax figures, every rate, bracket and threshold, are checked against IRS and state revenue sources before they go up, and the worked examples are computed from those same figures rather than written by hand. Where a number could not be confirmed, the page says so instead of guessing.

Household tax calculator

One calculation for everyone in the household and every kind of income, wages, self-employment, Social Security, disability benefits, a pension, a 401(k) drawdown. Add a person, add as many income lines as you need, and it works out the whole bill together, because these interact: one spouse's freelance income can make the other's disability benefit taxable when it was not before.

Filing statusState

Income typeAnnual amount

Salary from an employer. Payroll tax is withheld.

Pre-tax retirement contributionsHealth savings account65 or older

Add everyone's income above and press Calculate.

Start here

1099 and self-employment tax by state
Paycheck everything taken out of a salary
Quarterly payments what to send and when
Estimated tax penalty Form 2210, if you paid too little
S-corp election does it pay for itself here?
Reasonable salary audit risk the top S-corp trigger
Benefits and retirement SSDI, disability, Social Security
Sole proprietor, S corp or C corp? compare on your numbers
Nonprofit (501(c)(3)) what a charity still owes on side income
Nanny / household employer Schedule H when you hire at home
Delaware franchise tax and whether to incorporate there
Where should I form my business? every state compared
2026 tax law changes (OBBBA) SALT, QBI, 1099-K, QSBS, ACA

Two states, head to head

Pay, offers and withholding

The questions that come up between paychecks, not at filing time, what a bonus really keeps, whether a raise beat inflation, what an hourly rate is a year, and whether the contract pays more than the salary.

W-4 withholding heading for a refund or a bill?
Bonus tax flat 22% vs the aggregate method
W-2 vs 1099 compare two offers on take-home
Overtime pay federal and California rules
Hourly to salary convert a wage either way
Raise is it a raise after inflation?
Marriage penalty or bonus two incomes, single vs joint
Multi-state income earned across several states

Tax where you live and where you work

Two layers most calculators skip. Cross a state line to work and two states have a claim on the same wages. Live in one of twelve states and a city, county or school district taxes you on top of the state, 12 states do, in eight structurally different ways.

Living and working in different states reciprocity, nonresident returns, credits
Local income tax city, county and school district

Local income tax by state

What your profession can deduct

Schedule C is the same form for everyone and the deductions on it are not. A signing agent's mileage, a driver's per diem, a minister's housing allowance that is exempt from income tax and taxed for self-employment tax at the same time:

The deductions checklist that applies to every business →

Gig and platform income

Grouped by what you can deduct rather than by which app pays you, because that is what changes the answer, a Lyft driver and an Uber driver have the same tax question, and a driver and an Etsy seller do not. The gig hub lays out every category:

Driving and delivery mileage is the whole deduction
Services and tasks tools, supplies, travel between jobs
Creators equipment, software, home studio
Sellers cost of goods, fees, shipping
Rental hosts the 14-day rule and depreciation

By platform

Running a self-employed business

The economics behind the tax, what an hour of gig work really pays, what a mile costs, your seller margin, the rate to charge, and how much you can shelter for retirement.

Gig income real $/hour and $/mile
Mileage deduction the 2026 split rate
Vehicle cost real cost per mile
Seller profit Etsy, eBay, Shopify margin + tax
1099-K reconciliation gross to taxable
Freelance rate the hourly rate you need
Self-employed retirement solo 401(k), SEP

Tax credits

The credits that phase in and out with income, where a small change can swing hundreds or thousands of dollars, and where getting the threshold wrong hurts most.

Earned income credit refundable, up to $8,231
Child tax credit $2,200 per child under 17
Child & dependent care 20 to 35% of care costs
Saver's credit for retirement contributions
ACA subsidy premium tax credit and the 400% cliff

More situations

Rental property, an early retirement withdrawal, working abroad, a second household income, an owner-operator truck, a creator brand deal, each taxed by its own rules.

Rental income depreciation, Schedule E vs C
Retirement withdrawal early penalty, Roth conversion
Foreign earned income (FEIE) the stacking rule
Second income is the second job worth it?
Trucking cost per mile owner-operators
Brand deals creators, and taxable gifted product

Laid off?

A severance letter comes with three deadlines and a countdown on your bank balance. Four calculators that chain into one runway answer, severance net, health coverage, unemployment, then how long the money lasts.

Severance pay tax 22% withheld isn't your tax
COBRA vs marketplace and the 2026 subsidy cliff
Unemployment benefits weekly amount and duration by state
Layoff runway how many months until the money runs out

Common layoff questions

Job offers and the office

The decisions around a paycheck, priced: what a return-to-office mandate really costs you, and the counter-offer email that gets the number up before you sign.

Salary negotiation script the counter-offer email, written for you
RTO cost calculator what a return-to-office mandate really costs
Side income tax threshold Etsy, eBay, a side hustle: what you actually owe
Freelance rate calculator the hourly rate that actually pays you
Remote work tax checker two states, or working abroad for a US company

Return-to-office questions

Windfalls, gifts and inheritance

Money that arrives outside a paycheck is taxed by its own rules, a gambling win, a gift, an inheritance where the asset type decides everything. These never just say "taxable" or "tax-free".

Gambling tax winnings, and the 2026 90% loss rule
Lottery lump sum vs annuity take-home
W-2G 24% withholding vs your real tax
Professional gambler casual vs Schedule C
Gambling & Social Security the hidden second tax
Gambling & ACA subsidy the 400% cliff
Inheritance tax by what you inherit, with step-up basis
Estate tax the $15M exclusion
Gift tax the $19k annual exclusion and Form 709
Trust income tax Form 1041, retain vs distribute
Generation-skipping tax the 40% second layer
State estate & inheritance tax 18 states, from $1M

Investments and capital gains

What you owe on gains, dividends, interest and crypto, the holding period, the 0/15/20% long-term rates, the 3.8% surtax, and which lot you sell, federal and your state, including the states that tax gains differently.

Capital gains short vs long-term, losses, NIIT
Cost basis FIFO, LIFO and specific-lot gain
Dividends qualified vs ordinary
Interest income savings, CDs, Treasuries, munis
Crypto coins, staking and NFTs

Equity compensation

Each of these has one expensive mistake attached to it, and the pages lead with it:

RSU under-withholding at vest
ISO AMT on an exercise you never sold
NSO tax due on exercise with no cash to pay it
ESPP selling one day too early
QSBS assuming five years when the rules just changed
Phantom stock & SARs expecting capital-gains treatment on a cash bonus

Personal finance

The money questions beyond tax, net worth, retirement, budgeting and debt:

Net worth everything you own minus everything you owe
FIRE, how long until I’m rich? years to financial independence at your savings rate
When can I retire? the age your savings can replace your income
Cost of waiting to invest what a few years’ delay costs by retirement
50/30/20 budget needs, wants and savings from your take-home pay
Credit card minimum-payment trap how many years the minimum really takes
Subscription audit the real yearly cost of “just a few dollars a month”
Buy vs rent the break-even year where buying beats renting
Salary by city what your pay is worth in another city
College degree ROI lifetime earnings with a degree vs without
College savings gap projected 529 savings vs the future cost
Lifetime tax paid federal, state and FICA across a whole career
Gender pay gap the gap in your occupation, and its lifetime cost
Profit margin gross margin, net margin and markup

Lifestyle

What life's big decisions and small habits actually cost:

Cost of a baby the true first-year cost, lost income and all
Cost of divorce asset split, support and legal fees
Eldercare cost assisted living, memory and nursing care by state
Prenup financial mismatch how far apart two partners’ finances are
Death & money will your projected estate owe tax?
Coffee habit cost what "small but daily" adds up to
Lifestyle creep the cost of spending every raise
How rich would I be if… a recurring expense invested instead
True hourly wage your real pay once commute and unpaid overtime count
Climate financial risk insurance, home value and adaptation exposure

1099 tax calculator by state

Pick your state for a page built on that state's 2026 income tax rules: