Tax & Business Calculators
Estimate taxes, calculate business metrics, and plan your finances with our tax and business tools.
33 free tools available - no signup required
Understanding your tax liability and business financials is essential for smart money management. Our tax calculators estimate federal and state income tax, capital gains, self-employment tax, and payroll taxes using current 2026 brackets. Business owners can calculate profit margins, break-even points, ROI, and cash flow to make data-driven decisions.
Bond Calculator
Calculate bond price, current yield, and yield to maturity. Enter face value, coupon rate, maturity, and market interest rate to see if a bond trades at a premium or discount and evaluate its income potential.
Break Even Calculator
Calculate your break-even point in units and revenue. Enter fixed costs, variable cost per unit, and selling price to find how many sales you need to cover all costs and start generating profit.
Budget Calculator
Plan your monthly budget using the 50/30/20 rule. Enter your take-home pay and expenses to see how your spending compares to recommended targets for needs, wants, and savings.
Business Loan Calculator
Calculate monthly payments, total interest, and amortization for business loans. Compare SBA loans, term loans, and lines of credit to find the best financing for your business.
Capital Gains Tax Calculator
Calculate capital gains tax on stocks, real estate, and other investments. Compare short-term vs. long-term rates, estimate your tax liability, and plan tax-efficient selling strategies.
Cash Flow Calculator
Analyze your business cash flow by tracking inflows and outflows. Calculate net cash flow, operating cash flow, and free cash flow to understand your company's financial health.
Commission Calculator
Calculate sales commission, total annual compensation, and monthly income based on your sales volume, commission rate, and base salary. Model different comp structures and compare job offers.
Depreciation Calculator
Calculate asset depreciation using straight-line or double declining balance methods. Enter cost, salvage value, and useful life to see annual expense, monthly amounts, and full depreciation schedules.
Discount Calculator
Calculate sale prices, percentage discounts, and savings amounts instantly. Find the original price from a sale price, stack multiple discounts, and compare deals to find the best value.
Emergency Fund Calculator
Calculate your ideal emergency fund target based on monthly expenses and coverage months. Track your progress, see the savings gap, and estimate months to reach your goal.
Estate Tax Calculator
Estimate your federal estate tax liability based on gross estate value, deductions, and exemptions. See how much your heirs may owe and calculate the net amount passed to beneficiaries.
Freelance Rate Calculator
Determine your ideal freelance hourly or project rate by accounting for taxes, benefits, expenses, and non-billable time. Calculate the rate you need to match or exceed employee compensation.
Hourly to Salary Calculator
Convert your hourly wage to an equivalent annual salary. Account for hours per week, weeks per year, and paid time off to accurately compare hourly and salaried compensation.
Inflation Calculator
Calculate how inflation affects your purchasing power over time. See what today's dollars will cost in the future and how much value your money loses to inflation using historical or custom rates.
Invoice Calculator
Calculate invoice totals with line items, tax rates, discounts, and payment terms. Determine subtotals, tax amounts, and grand totals for professional billing and invoicing.
Long Term Care Calculator
Estimate long-term care insurance premiums based on your age, daily benefit amount, and coverage period. Compare benefit pools and plan for nursing home, assisted living, or home care costs.
Markup Calculator
Calculate markup percentage, selling price, and profit from cost. Understand the difference between markup and margin, and find the right pricing for your products or services.
Marriage Tax Calculator
Compare your taxes as a married couple filing jointly vs. two single filers. Determine whether marriage creates a tax bonus or penalty and see exactly how much you save or lose.
Net Worth Calculator
Calculate your net worth by totaling assets and subtracting liabilities. Enter cash, investments, real estate, vehicles, and all debts to get a clear snapshot of your overall financial health.
Overtime Calculator
Calculate overtime pay for hourly and salaried non-exempt workers. See time-and-a-half and double-time earnings, weekly totals, and annual overtime impact on your paycheck.
Payroll Tax Calculator
Calculate employer and employee payroll tax obligations including Social Security, Medicare, FUTA, and state unemployment taxes. See the full FICA breakdown for any salary amount.
Pension Calculator
Estimate your defined-benefit pension income based on years of service, final salary, and benefit multiplier. See monthly and annual pension amounts, income replacement rate, and total lifetime benefit.
Profit Margin Calculator
Calculate gross profit, profit margin percentage, and markup for any product or service. Enter revenue and cost to evaluate profitability and set optimal pricing strategies for your business.
RMD Calculator
Calculate your Required Minimum Distribution (RMD) from traditional IRAs and 401(k)s. Enter your age and account balance to see annual and monthly withdrawal amounts based on IRS life expectancy tables.
ROI Calculator
Calculate return on investment (ROI), net profit, and annualized ROI for any investment. Compare stocks, real estate, marketing campaigns, and business decisions with this free ROI tool.
Salary Calculator
Convert your salary between annual, monthly, bi-weekly, weekly, daily, and hourly equivalents. Compare job offers, calculate your effective hourly rate, and understand total compensation breakdowns.
Salary to Hourly Calculator
Convert your annual salary to an equivalent hourly rate. Factor in work hours, overtime, and benefits to find your true effective hourly wage for budgeting and job comparisons.
Sales Tax Calculator
Calculate sales tax amount and total price for any purchase. Enter a pre-tax price and tax rate to see the sales tax owed and final cost, or reverse-calculate the pre-tax price from a total.
Self-Employment Tax Calculator
Calculate your self-employment tax (Social Security and Medicare) on 1099 and freelance income. See your SE tax liability, deductible portion, and estimated quarterly payments.
Social Security Calculator
Estimate your monthly Social Security retirement benefit based on earnings history, claiming age, and birth year. Compare benefits at age 62, 67, and 70 with our free calculator.
Take Home Pay Calculator
Calculate your actual take-home pay after federal tax, state tax, FICA, and pre-tax deductions. Enter your gross salary, filing status, and state to see your net monthly and annual income.
Tax Calculator
Estimate your federal income tax using 2024 tax brackets. Enter your income, filing status, and deductions to see your total tax, effective rate, marginal rate, and after-tax income instantly.
Tip Calculator
Calculate the right tip amount for restaurants, delivery, and services. Split bills between multiple people, compare tip percentages, and find per-person totals instantly.
Currency Conversion Calculator
Convert between 12 major world currencies including USD, EUR, GBP, JPY, and more. Estimate exchange amounts for travel budgets, international business pricing, and cross-border transactions.
Tax Calculator 2026
Estimate your 2026 federal income tax with updated tax brackets, standard deduction, and credit amounts. Free tax calculator with current rates.
Tax & Business Guides
How Much Emergency Fund Do You Really Need?
The Federal Reserve's 2024 SHED survey found that 37% of Americans couldn't cover a $400 emergency from savings alone. The standard 3-to-6-month guideline is a starting point -- your actual target depends on income stability, household structure, and health factors.
8 min readHow Much House Can I Afford? A Step-by-Step Guide
Use the 28/36 rule: spend no more than 28% of gross income on housing and 36% on total debt. Here's how to calculate your real home buying budget.
8 min readHow Much Life Insurance Do I Need? The DIME Method
The DIME method -- Debt, Income, Mortgage, Education -- gives you a concrete coverage target instead of a vague rule of thumb. Here's how to calculate it for your situation.
9 min readThe 50/30/20 Budget Rule: How to Actually Follow It
The Bureau of Labor Statistics Consumer Expenditure Survey shows the average American household spends 33% of after-tax income on housing alone -- which is why the 50/30/20 rule works for some people but needs adjustment for others. The framework is a starting point, not a fixed rule.
8 min readRetirement Planning by Age: Your Decade-by-Decade Guide
Retirement looks different in your 20s, 40s, and 60s. Here are the specific targets, allocation shifts, and catch-up strategies for each decade -- with real numbers.
11 min readAre Solar Panels Worth It in 2026? ROI by State
A 10 kW solar system costs $28,000 before the federal tax credit and $19,600 after. In California, that system pays back in 6.2 years and generates $89,000 in savings over 25 years. In Louisiana, payback stretches to 14 years. Location is everything.
9 min read2026 Tax Brackets and Rates: How Much Will You Owe?
The Tax Cuts and Jobs Act of 2017 expires after 2025 unless Congress acts, which could raise the top marginal rate from 37% to 39.6% and eliminate or reduce dozens of provisions affecting most taxpayers. Whether TCJA provisions are extended or expire is the defining tax question of 2026.
8 min readReviewed & Methodology
Every calculator is built using industry-standard formulas, validated against authoritative sources, and reviewed by a credentialed financial professional. All calculations run privately in your browser - no data is stored or shared.