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Free Online Calculators for Pay, Taxes, Loans, and Savings

Money math without the spreadsheet: convert wages to salaries and back, estimate a paycheck after federal tax, FICA, and state tax, price a loan or a mortgage, split a bill, plan a budget, or project savings growth. Every calculator runs on your device; nothing you type is stored or sent.

Pay and taxes

Hourly to SalaryTurn an hourly wage into yearly, monthly, biweekly, and weekly pay, before and after federal tax, Social Security, Medicare, and state tax Salary to HourlyConvert a yearly salary into hourly, daily, weekly, biweekly, and monthly pay, before and after tax, for any number of hours per week Take-Home PayEstimate your net paycheck from a yearly salary or hourly wage: federal income tax, Social Security, Medicare, state tax, and 401(k) deductions, per paycheck and per year Overtime PayWork out overtime pay at time and a half or double time, your total weekly pay, and what regular overtime adds per month and per year Pay RaiseSee what a raise is worth: enter your current pay and a percentage, an amount, or the new salary, and get the difference per year, month, paycheck, and hour, before and after tax Freelance RateFind the hourly and day rate a freelancer or contractor needs to match a target income, after business expenses, unbillable time, time off, and self-employment tax

Everyday

Tip CalculatorWork out the tip, the total bill, and each person's share for any tip percentage, with optional rounding Percent OffFind the sale price and how much you save for any percent off, stack an extra discount, add sales tax, or work backwards to the percent off or the original price Unit ConverterConvert between metric and imperial units: length, weight, temperature, area, volume and cooking measures, speed, time, data, energy, power, pressure, and fuel economy Currency ConverterConvert between 31 currencies at the daily European Central Bank reference rates, with the rate, the inverse rate, and a table of common amounts

Savings and budget

50/30/20 BudgetSplit monthly take-home pay into needs, wants, and savings with the 50/30/20 rule or your own percentages, and see the yearly savings it produces Compound InterestSee how savings or investments grow with compound interest and regular monthly contributions: final balance, total contributed, interest earned, and a year-by-year table

Loans

Loan PaymentMonthly payment and total interest for a car, personal, or student loan from the amount, APR, and term, plus how much an extra monthly payment saves Mortgage PaymentEstimate a full monthly mortgage payment: principal and interest plus property tax, home insurance, PMI, and HOA dues, with total interest and a yearly balance table

Time and dates

How Long AgoFind the exact date and time that was a number of seconds, minutes, hours, days, or weeks ago (or from now), or how long ago a date and time was

About the calculator tools

These calculators are arithmetic you can check, not advice. The pay ones use the federal brackets and the standard deduction for the tax year you pick, add Social Security and Medicare at the current wage bases, and apply your state's own brackets, deduction, and exemption along with the programs employees pay into, like California SDI or New Jersey TDI. The tables are updated when the IRS and the states publish new ones each year.

What they deliberately leave out: credits, dependents, itemized deductions, city and county taxes, and whatever your employer's withholding tables decide, which is why a real paycheck is usually a little lighter than the estimate and the difference comes back at filing time. The money ones, loans, mortgages, compound interest, tips, and discounts, are exact formulas with the assumptions listed under each result.