Free US Financial Calculators
Quickly estimate your take-home pay, federal taxes, mortgage payments, and more.
Built for US residents using current IRS rates.
US Calculators
Salary Calculator
Calculate your US take-home pay after federal tax, state tax, and FICA.
Self-Employment Tax
Estimate self-employment tax including Social Security and Medicare.
Mortgage Calculator
Calculate monthly mortgage payments, total interest, and amortization.
Sales Tax Calculator
Calculate sales tax for any US state. Add or remove tax instantly.
Capital Gains Tax
Calculate federal tax on short-term and long-term investment gains.
PayPal Fee Calculator
Calculate PayPal fees for US transactions and what you actually receive.
Crypto Tax Calculator
Calculate capital gains tax on cryptocurrency disposals for US taxes.
Property Tax Calculator
Estimate annual property tax based on home value and local rates.
401(k) Calculator
Calculate 401(k) contributions, employer match, and tax savings.
Student Loan Calculator
Calculate monthly student loan payments under various repayment plans.
Minimum Wage Calculator
Calculate annual earnings at federal or state minimum wage rates.
Overtime Calculator
Calculate overtime pay at time-and-a-half under FLSA rules.
Payroll Tax Calculator
Calculate the true cost of an employee including FICA and FUTA.
Estate Tax Calculator
Estimate federal estate tax with current exemption and rates.
Hourly to Salary
Convert hourly wage to annual salary or salary to hourly rate.
Tip Calculator
Calculate tip amount and split the bill for any group size.
Auto Loan Calculator
Calculate monthly car payments and total interest on an auto loan.
Tax Refund Calculator
Estimate your federal tax refund or amount owed for 2025.
W-4 Calculator
Calculate federal withholding per paycheck based on salary.
Roth IRA Calculator
See how much your Roth IRA could grow tax-free by retirement.
Child Tax Credit
Calculate your Child Tax Credit based on income and children.
Social Security
Estimate Social Security benefits at different claiming ages.
Inflation Calculator
See how inflation erodes purchasing power over time.
Quick US Tax Facts (2025)
- Standard deduction (single): $15,000
- Social Security tax: 6.2% on earnings up to $176,100
- Medicare tax: 1.45% on all earnings (+ 0.9% above $200k)
- Federal minimum wage: $7.25/hour
- 401(k) contribution limit: $23,500
- Long-term capital gains: 0%, 15%, or 20% depending on income
Why Use US Money Tools?
Understanding your finances should not require a CPA. US Money Tools provides straightforward calculators that use current IRS rates and published tax brackets to give you clear, useful estimates.
Whether you are negotiating a salary, filing as self-employed, calculating mortgage payments, or estimating capital gains tax, our tools give you a reliable starting point. All calculations run in your browser — we never see or store your data.
Current Rates
Based on 2025 IRS published rates
No Registration
Use any calculator instantly, no sign-up needed
Transparent
Every calculation shows its assumptions clearly
Privacy First
All calculations run in your browser — no data sent anywhere
Frequently Asked Questions
Are these calculators free to use?
Yes. All calculators on US Money Tools are completely free with no registration required.
How accurate are the results?
Our calculators use published IRS rates for the 2025 tax year. Results are estimates and may not account for every individual circumstance. Always consult a qualified tax professional for specific advice.
Which tax year do these calculators use?
All tax-related calculators use the 2025 federal tax year rates (January 1 to December 31, 2025).
Do you store any of the data I enter?
No. All calculations run entirely in your browser. We do not collect, store, or transmit any values you enter.