United States Financial Calculators
5 calculators ยท reported in USD
Calculators built around United States's own rules. The relevant authority is IRS (Internal Revenue Service). Every tool runs entirely in your browser, so the numbers you type are never uploaded.
United States calculators
US Paycheck & Take-Home Pay Calculator
Accurately calculate net pay after Federal Income Tax, FICA (Social Security & Medicare), and 50 State income taxes for 2026.
US Mortgage & Amortization Calculator
Estimate monthly home payments including principal, interest, property taxes, home insurance, and view the full amortization schedule.
1099 Freelance & Self-Employment Tax Estimator
Calculate 15.3% Self-Employment (SE) tax, federal tax bracket liability, business deductions, and quarterly estimated tax payments.
401(k) Retirement & Growth Calculator
Simulate retirement nest egg growth with employer matching contributions, salary growth, and compound investment returns.
US Restaurant Tip & Bill Splitter
Easily calculate 15%, 18%, 20% standard gratuity and split checks evenly among friends with one click.
Tax facts at a glance
- 2026 federal income tax rates run from 10% to 37% across seven brackets (IRS Rev. Proc. 2025-32).
- The 2026 standard deduction is $16,100 for single filers, $24,150 for heads of household and $32,200 for married filing jointly.
- Social Security is withheld at 6.2% on wages up to the $184,500 2026 wage base.
- Medicare is withheld at 1.45%, with an extra 0.9% above $200,000 of earnings.
- Most states add their own income tax, which the state-aware paycheck calculator models.
Figures reflect the published rates for the current tax year and are estimates rather than filing advice on their own.
Frequently asked questions
Does the paycheck calculator include state income tax?
Yes. You can select a state and the tool applies that state's brackets and standard deduction where modelled, alongside federal income tax and FICA.
How current are the tax brackets?
The calculators use published 2026 brackets and thresholds. When the IRS updates figures for the next tax year we update the page and note the change.
Can I use the 1099 calculator for a side business?
Yes. It estimates self-employment tax, federal income tax and a quarterly payment schedule, which suits freelancers and gig workers with a Schedule C.
These calculators provide planning estimates, not tax advice. Verify every figure with the official guidance published by IRS (Internal Revenue Service) before you file or sign a contract.
Explore other countries
Request a calculator:contact@smartpaycalc.com