US paycheck, tax and mortgage calculators
Take-home pay for all 50 states and DC, federal income and bonus tax, what an employee really costs, and mortgage payments including FHA and VA loans. Tax figures come from the IRS, the SSA and each state's revenue department; loan rules from HUD and the VA, with sources linked.
Paycheck & Income Tax
Work out what lands in your account: federal withholding, Social Security, Medicare, state and local taxes, for every state and DC.
- Paycheck CalculatorTake-home pay per paycheck after federal, Social Security, Medicare, state and local taxes.
- Federal Income Tax Calculator2026 federal tax by bracket, standard vs itemized, effective and marginal rate, refund or amount owed.
- Bonus Tax CalculatorBonus take-home after the 22% federal supplemental rate or aggregate method, FICA and state withholding.
- Salary to Hourly CalculatorTurn a salary into an hourly rate (or back) with hours per week, weeks per year and paid time off.
- State Income Tax ComparisonThe same salary in every state: state income tax, payroll taxes and take-home pay, sortable.
Mortgage & Loans
Payments, amortization, affordability and refinancing.
- Amortization CalculatorFull amortization schedule with extra monthly and one-time payments, payoff date and interest saved.
- Auto Loan CalculatorCar payment, amount financed and total interest with trade-in, down payment, sales tax and fees.
- FHA Loan CalculatorFHA payment with upfront and annual MIP from HUD's tables, 3.5% minimum down and 2026 loan limits.
- Home Affordability CalculatorMaximum home price from income, debts and down payment under Fannie Mae and FHA debt-to-income limits.
- Loan Payoff CalculatorPayoff date and interest saved with extra monthly or lump-sum payments on any installment loan.
- Mortgage CalculatorMonthly payment with taxes, insurance, PMI and HOA, total interest and an amortization schedule.
- Refinance CalculatorNew payment, monthly savings, closing-cost break-even month and lifetime interest difference.
- VA Loan CalculatorVA payment with the funding fee from VA's rate chart, first or subsequent use, financed or paid at closing.
Employer Cost
What an employee really costs: payroll taxes, benefits, overhead.
- Billable Rate CalculatorFully loaded cost per billable hour and the billable rate for your target margin, with markup and annual profit.
- Contractor vs Employee Calculator1099 vs W-2: employer cost of each, self-employment tax, take-home before income tax, and break-even rates.
- Employee Cost CalculatorTrue cost of an employee: pay, employer payroll taxes, benefits, PTO and overhead, with cost per hour worked.
- Employer Payroll Tax CalculatorEmployer FICA, FUTA and state unemployment tax per paycheck and per year, honoring each wage base.
- FUTA Tax CalculatorFUTA tax owed on Form 940: taxable wages, the 5.4% credit, credit reduction states and the full 6.0% rate.
- Overtime Cost CalculatorEmployer cost of overtime: 1.5× pay plus the extra payroll taxes, per overtime hour, per week and per year.
Paycheck calculator by state
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Understand the numbers
How US mortgage payments work: PITI, amortization, PMI and the true cost of a loanWhat goes into a monthly mortgage payment, how amortization splits principal and interest, when PMI ends, and how rate and term change the total cost.
The true cost of an employee in the US in 2026: taxes, benefits and overheadWhat an employee really costs in 2026: employer Social Security and Medicare, FUTA, state unemployment tax, benefits, PTO and overhead, with examples.
Best and worst US states for take-home pay in 2026Which states leave you the most and least money after tax in 2026? Live rankings at five salaries, worked examples and the local taxes most lists miss.
Why your bonus is taxed so much in the US (and what you actually owe)Bonuses are withheld at a flat federal rate plus Social Security, Medicare and state tax, but that is not your final bill. How bonus tax works in 2026.
US states with no income tax in 2026 (and what they tax instead)Nine states do not tax wages in 2026. See which ones, what each taxes instead, and how your take-home pay on the same salary compares with other states.
Salary vs hourly in the US: how to compare job offers after taxHow to compare a salaried job offer with an hourly one: convert the pay, adjust for overtime, paid time off and benefits, then compare take-home pay.
How to fill out a W-4 in 2026: a step-by-step guide for US employeesStep-by-step guide to the 2026 Form W-4: filing status, multiple jobs, dependents, the new deductions worksheet, the exempt box and what each one does.
How US paycheck taxes work in 2026: federal, FICA, state and local explainedEvery line of a 2026 US paycheck explained in order: federal withholding, Social Security, Medicare, state and local tax, pre-tax deductions and bonuses.