US mortgage, paycheck and savings calculators
Plan with your local currency. Check each tool’s supported circumstances before using an estimate.
US paycheck calculator
Choose your state or DC for a reviewed salary or hourly estimate, salary table and official sources.
Open US paycheck calculatorWhat these calculators cover
US paycheck estimates cover federal and state withholding scenarios. Local income taxes and some payroll contributions are not modeled. Mortgage tools use US tax, insurance and PMI assumptions. Read each calculator’s methodology before using the result.
Model / rate version: 2026. Existing model, not independently reverified in full. See source-check records and calculator exclusions.
Supported regions: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming.
Read full methodology and assumptions →Planning in USD: where to start
Compare pay-period income with monthly housing costs before setting a savings target. Federal and state withholding estimates have separate assumptions; a paycheck result is not a final tax return.
Compare the same costs and time period
For a home purchase, use the mortgage tool to separate principal and interest from property taxes, insurance, PMI and HOA. Refinance comparisons should include upfront costs and the balance remaining at your chosen horizon.
Fixed-rate loan payment in USD
Enter your own amount and nominal annual rate. This general formula assumes equal monthly payments and excludes fees, insurance, taxes, variable rates and product-specific contract rules.
Worked example: $25,000.00 at an assumed 6% nominal annual rate over 36 months gives $760.55 per month. This rate is an example, not a United States market rate or offer.
Formula: payment = P × r / (1 − (1+r)−n), where r is the annual percentage divided by 1200 and n is months. At zero interest, payment = P/n. Use the full loan calculator.
Available calculators
Recommendations reflect available coverage, not measured popularity.
US paycheck calculator ↗
Jurisdiction selector linking all 50 states and DC to reviewed scoped calculators; no generic default-state tax computation.
Open calculator →Mortgage & propertyMortgage payment ↗
US assumptions. Read the full calculator methodology and exclusions.
Open calculator →Mortgage & propertyMortgage refinance comparison ↗
Compare two fixed-rate, fully amortizing loans with the same starting balance. Closing costs are paid upfront. Compares payments plus outstanding balances at the same holding horizon, without discounting.
Open calculator →Loans & financingLoan repayment ↗
Illustrative planning formula; excludes local taxes, fees and product-specific terms.
Open calculator →Savings & investmentsCompound interest ↗
Illustrative planning formula; excludes local taxes, fees and product-specific terms.
Open calculator →Savings & investmentsSavings goal ↗
Illustrative planning formula; excludes local taxes, fees and product-specific terms.
Open calculator →Budgeting & debtMonthly budget ↗
Illustrative planning formula; excludes local taxes, fees and product-specific terms.
Open calculator →Mortgage & propertyBiweekly mortgage ↗
US assumptions. Read the full calculator methodology and exclusions.
Open calculator →Mortgage & propertyRent vs buy ↗
US assumptions. Read the full calculator methodology and exclusions.
Open calculator →Budgeting & debtCredit card payoff ↗
US assumptions. Read the full calculator methodology and exclusions.
Open calculator →Loans & financingCar loan ↗
US assumptions. Read the full calculator methodology and exclusions.
Open calculator →Retirement & pensionRetirement savings ↗
US assumptions. Read the full calculator methodology and exclusions.
Open calculator →Salary & income taxOvertime & tips tax deductions ↗
2026 federal-only deduction comparison for one W-2 earner; projected or reported qualified amounts. Excludes state tax, benefits, credits and self-employment.
Open calculator →Guides for United States
Practical reading with USD examples and relevant official sources. Financial guide content is in English.
Planned local coverage
These tools are coming soon and are not available as calculations:
- state payroll source revalidation
- cash-out and financed-fee refinance scenarios
- 401(k) contribution limits
Each needs its own official sources, supported circumstances and test cases before publication.
Before you compare results
Keep the currency and time period consistent. A monthly income estimate is an annual average unless the calculator explicitly models individual pay periods. The general loan and savings tools do not apply United States tax law, fees, benefit rules or investment guarantees.
Changing the display currency does not convert exchange rates or change the legal jurisdiction of a calculator. Use the dedicated local tool for the scope described above.
General planning reading
These guides explain planning concepts using US examples; they are not United States tax guidance.
How compound interest works · Building an emergency fundSources and maintenance
See the US paycheck sources and methodology for federal and state references.
Source links and existing model years are retained from the current calculators. Check official guidance for your circumstances and report issues through our contact page. New local payroll, pension, property and benefit tools require source review and tests before publication.
What these United States tools cover
Country-specific tools are listed with their supported circumstances and source-review limits on each calculator. General planning tools use USD display where selected; a currency change does not apply local tax, lending or product rules.
Coverage and links checked October 21, 2026. Tax-rule review dates remain specific to each model; this coverage check does not certify every local rule.