Free US finance calculators
you can actually trust.
Paycheck, mortgage, retirement, and tax calculators built on IRS and state-published data — with every formula and source shown openly.
Mortgage Calculator
Estimate your full monthly payment with principal, interest, property tax, home insurance, PMI, and HOA — plus a full amortization schedule showing every year of the loan.
Avg US 30-yr rate
~6.85%
Median home price
$420K
Down payment
20% standard
PMI threshold
< 20% down
Popular calculators
Most-used tools on Calcora — all free, all accurate, all show their math.
Mortgage Calculator
Monthly payment with PITI + PMI + amortization
InvestingCompound Interest
Project investment growth with monthly contributions
TaxCalifornia Paycheck
Take-home pay after federal and CA state taxes
TaxTexas Paycheck
Take-home pay — no state income tax in TX
QuickAge Calculator
Exact age in years, months, days, hours
TaxNew York Paycheck
Take-home pay after federal and NY state taxes
Browse by category
State paycheck calculators, 1099 self-employment tax, bonus tax, capital gains, and more.
Explore tools
Mortgage, refinance, auto loan, student loan payoff, and personal loan calculators.
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401k, Roth IRA, compound interest, FIRE, Social Security, and dividend calculators.
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Paycheck calculator by state
Accurate take-home pay calculators for major US states.
Why Calcora
Sourced from IRS
Every federal calculation cites the IRS Revenue Procedure it's based on. No black-box math.
State-specific
All 50 states with their actual tax brackets and standard deductions, not generic estimates.
Transparent formulas
We show the bracket math step by step so you can verify every number.