US Finance Calculators — 401K, Mortgage, Tax, Student Loans
Free calculators for Americans. 401(k) projections with employer match, mortgage payments with PMI, 2026 federal income tax brackets, student loan forgiveness estimates, paycheck after FICA, HSA triple tax advantage, and cost-of-living comparisons across 20 US cities.
Retirement Planning
401(k) Calculator
Project your 401(k) balance at retirement with employer match, annual raises, and compound growth.
2026 401(k) contribution limit: $23,500 ($31,000 if age 50+). Employer match shown separately.
Roth IRA Calculator
Calculate tax-free Roth IRA growth vs Traditional IRA. 2026 limits: $7,000 ($8,000 if 50+).
2026 Roth IRA income phase-out: $150K–$165K single, $236K–$246K married.
Social Security Calculator
Estimate monthly Social Security benefits at ages 62, 67, and 70 using SSA bend point formula.
2026 SSA bend points: $1,174 and $7,078. FRA is 67 for those born 1960+.
Retirement Savings Calculator
Project total retirement savings, monthly income using the 4% rule, and how long it lasts.
The 4% rule (Trinity Study) suggests withdrawing 4% of portfolio per year for 30-year retirement.
Mortgage & Home
US Mortgage Calculator
Monthly payment with PMI (if <20% down), property tax, insurance. Full amortization details.
PMI (~0.5–1%) required for down payments under 20%. Property tax estimated at 1.2% annually.
Refinance Calculator
Calculate monthly savings, break-even point, and total interest saved by refinancing your mortgage.
Typical closing costs: 2–5% of loan amount. Break-even = closing costs ÷ monthly savings.
Home Affordability Calculator (US)
Find max home price using Fannie Mae 28/36 rule — based on income, debts, and down payment.
Fannie Mae guidelines: housing costs ≤28% of gross income; total debt ≤36% (DTI).
Tax Calculators
US Income Tax Calculator
2026 federal income tax by filing status. Shows bracket breakdown, effective rate, and after-tax income.
2026 standard deductions: Single $15,000 · MFJ $30,000 · HOH $22,500.
Capital Gains Tax Calculator (US)
Calculate short-term vs long-term capital gains tax. Long-term rates: 0/15/20% based on income.
2026 long-term 0% rate: up to $48,350 (single) / $96,700 (MFJ). 20% above $533,400 / $600,050.
Self-Employment Tax Calculator
Calculate SE tax (15.3%), income tax, quarterly estimated payments for freelancers and contractors.
2026 Social Security wage base: $176,100. SE tax = 12.4% SS + 2.9% Medicare. Deduct 50% of SE tax from income.
Student Loans
Student Loan Calculator
Compare standard, graduated, and extended repayment plans. Total interest and payoff timeline.
Federal student loan interest rates 2025-26: 6.53% undergrad, 8.08% grad, 9.08% PLUS.
Student Loan Forgiveness Calculator
Calculate IDR plan payments (IBR/PAYE/SAVE), forgiveness amount, and projected tax on forgiveness.
IBR: 10% of discretionary income (≤2014 borrowers) or 10% (post-2014). Forgiveness after 20-25 years.
Paycheck & Benefits
US Paycheck Calculator
Net take-home pay after federal tax, state tax, Social Security (6.2%), Medicare (1.45%), and 401(k).
FICA: Social Security 6.2% on first $176,100; Medicare 1.45% on all wages.
HSA Calculator
Triple tax advantage: tax-deductible contributions, tax-free growth, tax-free medical withdrawals.
2026 HSA limits: $4,300 individual, $8,550 family. Must have HDHP. Age 65+ can use for non-medical.
Cost of Living Calculator (US Cities)
Compare salary equivalents across 20 US cities. NYC=187, SF=179, Austin=103, national avg=100.
Cost index: national average = 100. Higher index = more expensive city.
US Financial Planning Calculators
US financial planning spans four key areas: retirement accounts (401k, Roth IRA, Social Security), homeownership (mortgage, PMI, refinancing), taxes (federal income tax, capital gains, self-employment), and debt management (student loans, IDR plans, forgiveness).
Our calculators use 2026 IRS figures: 401(k) limit $23,500, Roth IRA limit $7,000, HSA individual limit $4,300, standard deduction $15,000 (single) / $30,000 (married). Social Security bend points: $1,174 and $7,078. Federal income tax brackets: 10%, 12%, 22%, 24%, 32%, 35%, 37%.
The most searched US financial question: "How much will my 401k be worth?" — our 401k calculator shows projected balance with compound growth, employer match, and annual salary raises. For mortgage buyers, the Fannie Mae 28/36 rule means housing costs should stay under 28% of gross income and total debt under 36%.
Frequently Asked Questions
How much should I contribute to my 401(k)?
At minimum, contribute enough to get the full employer match — that is free money. Many advisors recommend 15% of gross income total (including employer match). The 2026 401(k) limit is $23,500 ($31,000 if age 50+).
What is the mortgage payment on a $400,000 home?
At 6.8% interest rate with 20% down ($80,000), a 30-year mortgage on a $320,000 loan costs approximately $2,100/month in principal and interest. Add property tax (~$400/mo) and insurance (~$125/mo) for total housing cost.
How do I calculate my federal income tax for 2026?
2026 federal tax brackets: 10% up to $11,925, 12% up to $48,475, 22% up to $103,350, 24% up to $197,300, 32% up to $250,525, 35% up to $626,350, 37% above. Subtract your standard deduction ($15,000 single, $30,000 married) first.
What is the income-driven repayment plan for student loans?
IBR (Income-Based Repayment) caps payments at 10% of discretionary income. After 20 years (undergrad) or 25 years (grad) of qualifying payments, remaining balance is forgiven — though forgiven amounts may be taxable.
How much does Social Security pay at 62 vs 67 vs 70?
Claiming at 62 permanently reduces your benefit by up to 30% vs your Full Retirement Age (67 for those born 1960+). Delaying to 70 increases your benefit by 8% per year, giving you 24% more than at FRA.