Payroll
9 tools
Payroll Tax Calculator
Federal income tax, Social Security, Medicare, and state withholding per paycheck. All 50 states.
Free Payroll Calculator
Gross-to-net with 401k, health insurance, and other pre-tax deductions factored in.
Employer Payroll Tax Calculator
FICA match, FUTA, SUTA, and workers comp — the true cost per employee, not just the salary.
1099 vs W-2 Tax Calculator
Side-by-side tax comparison for contractors vs employees including quarterly estimated payments.
Workers Comp Calculator
Estimate workers compensation insurance premium by state and NCCI job classification code.
Cost Per Hire Calculator
Job board fees, recruiter time, interview hours, onboarding — broken down per hire and annually.
Net to Gross Calculator
Gross-up a desired net pay — find the gross salary that yields a specific take-home amount.
Gross Pay Calculator
Calculate gross pay from hourly rate, salary, or tipped employee earnings.
Free Pay Stub Generator
Professional pay stub PDF with all deductions listed. No watermark, no login.
Payroll Hours Calculator
Hours worked to gross pay, overtime (1.5x), FICA 2026, and net take-home by pay period.
Income & Tax
17 tools
Take-Home Pay Calculator
Net pay after all taxes and deductions with annual projection.
Bonus Tax Calculator
Flat 22% supplemental method or aggregate method — see which costs less.
Salary to Hourly Calculator
Annual salary converted to hourly, weekly, biweekly, semi-monthly and monthly rates.
W-4 Withholding Calculator
2026 W-4 form line-by-line guide — how to fill it out for any life situation.
Commission Pay Calculator
Straight, tiered, or residual commission structures with tax withholding.
Final Paycheck Calculator
Last paycheck calculation including accrued unused PTO payout by state law.
Self-Employment Tax Calculator
Schedule SE calculation plus the deductible half — for freelancers and sole proprietors.
Quarterly Tax Calculator
Estimated quarterly payment amounts for self-employed individuals and freelancers.
Effective Tax Rate Calculator
Your blended effective rate vs marginal tax bracket — see the real percentage you pay.
Salary Increase Calculator
New salary after raise, the dollar and percentage increase, and after-tax impact on each paycheck.
FUTA Tax Calculator
Federal unemployment tax per employee — FUTA rate, wage base, and annual liability.
Income Tax Calculator 2026
Estimate federal tax liability, effective rate, marginal bracket, and refund or balance due.
Tax Refund Estimator
Enter income and W-2 withholding to instantly see if you get a refund or owe money.
Mortgage Calculator
Monthly payment (PITI), total interest, and full amortization schedule. Free, no sign-up.
Refinance Calculator
Monthly savings, break-even point, and total interest saved when refinancing your mortgage.
Reverse Mortgage Calculator
Estimate HECM proceeds for homeowners 62+. Lump sum, line of credit, and monthly tenure options.
1099 Tax Calculator
SE tax, federal income tax, and quarterly estimated payments for freelancers and 1099 contractors.
Time & Hours
5 tools
PTO Accrual Calculator
PTO balance, accrual rate per period, and year-end balance projection. Three accrual methods.
Overtime Pay Calculator
FLSA 1.5x, double time, blended rates, and California daily overtime rules.
Time Card Calculator
Weekly timesheet with automatic overtime calculation from clock-in/out pairs.
Hours Worked Calculator
Total hours from multiple clock-in/clock-out pairs including lunch break deduction.
Shift Differential Calculator
Night shift, weekend, and holiday premium pay amounts with regular pay comparison.
HR & Documents
9 tools
Direct Deposit Form
Printable direct deposit authorization form for any bank. Complete and print in 60 seconds.
Free Invoice Generator
Professional invoice PDF for freelancers and contractors — no watermark, no login.
Free Pay Stub Generator
Complete pay stub with withholding breakdown. Print to PDF, no account required.
Minimum Wage by State 2026
Current minimum wages for all 50 states including tipped employee rates and scheduled 2026 increases.
Severance Pay Calculator
Years-of-service severance formula with federal tax, FICA, and net payout breakdown.
FMLA Leave Calculator
Eligibility check, leave entitlement (12 or 26 weeks), income impact, and return date.
COBRA Insurance Calculator
Full COBRA monthly cost with 2% admin fee and coverage duration by qualifying event.
Unemployment Benefits Calculator
Weekly benefit amount by state, duration, and net after 10% federal withholding.
Business
12 tools
Profit Margin Calculator
Gross, operating, and net margin percentages from revenue and cost inputs.
ROI Calculator
Return on investment percentage, annualized ROI, and payback period.
Break-Even Calculator
Units and revenue needed to cover fixed costs at your price and variable cost.
Business Loan Calculator
Monthly payments, total interest cost, and amortization schedule for business loans.
COGS Calculator
Cost of goods sold using FIFO, LIFO, or weighted average — with gross profit output.
Debt Payoff Calculator
Payoff timeline and total interest saved with extra monthly payments applied.
Cost of Living Calculator
Compare cost of living between 75+ US cities — and the equivalent salary you'd need.
Markup Calculator
Set your sale price from cost plus desired markup percentage or profit margin.
Cap Rate Calculator
Capitalization rate for investment property — NOI divided by property value.
Cash Flow Calculator
Operating cash flow from net income with depreciation and working capital changes.
Burn Rate Calculator
Monthly gross and net burn rate plus runway in months from current cash balance.
SaaS Revenue Calculator
MRR, ARR, churn-adjusted projections and LTV from subscription plan data.
Mortgage & Real Estate
11 tools
Mortgage Calculator
Monthly payment, total interest, and full amortization table for any home loan.
Mortgage Affordability Calculator
Max home price based on income, debts, and down payment using 28/36 DTI rules.
ARM Calculator
5/1, 7/1 ARM payments with cap structure and worst-case scenario vs fixed rate.
Home Equity Loan Calculator
Fixed-rate lump sum loan payments and total cost based on your equity.
HELOC Calculator
Home equity line of credit payments during draw and repayment periods.
Closing Costs Calculator
Estimated closing costs broken down by lender, title, and government fees.
Property Tax Calculator
Annual and monthly property tax estimate using all 50 state rates.
Refinance Calculator
New payment, interest saved, and break-even months for any refinance.
Reverse Mortgage Calculator
Monthly payout estimate for HECM reverse mortgage based on age and home value.
Cap Rate Calculator
Capitalization rate and NOI for rental property investment analysis.
Loans & Debt
13 tools
Student Loan Repayment Calculator
Compare Standard, IBR, SAVE, PAYE plans side-by-side. 40K+ monthly searches.
Debt Consolidation Calculator
Enter up to 5 debts and see if consolidating saves you money and time.
Auto Refinance Calculator
Monthly savings, total interest saved, and break-even months for car loan refi.
Car Loan Calculator
Monthly payment, total interest, and amortization for any auto loan.
Personal Loan Calculator
Monthly payment and total cost for any personal loan amount and rate.
Debt Payoff Calculator
Months to pay off any debt and total interest using avalanche or snowball method.
SBA Loan Calculator
Monthly payments and total cost for SBA 7(a) and 504 loans.
Business Loan Calculator
Business loan payment schedule with principal/interest breakdown.
Retirement & Savings
19 tools
Social Security Benefits Calculator
Monthly SS benefit at any claiming age (62–70) using 2026 PIA bend-point formula.
How Long Will My Money Last?
Retirement drawdown: see exactly when your savings run out given withdrawals and returns.
Retirement Calculator
Projected nest egg by retirement age with contribution and growth modeling.
Roth IRA Calculator
Tax-free growth projection with contribution limits and compound returns.
Roth IRA Conversion Calculator
Tax cost of converting Traditional IRA plus long-term Roth vs Traditional comparison.
IRA Rollover Calculator
Tax and penalty impact of direct vs indirect rollovers including 20% withholding trap.
RMD Calculator
Required minimum distribution from IRA/401k based on account balance and life expectancy.
Pension Calculator
Annual pension benefit using years of service, salary, and multiplier.
Annuity Calculator
Monthly income from lump sum or lump sum needed for target income.
Compound Interest Calculator
Future value of any investment with compound growth and regular contributions.
Savings Goal Calculator
Monthly savings needed to hit any goal, or time to reach a goal at fixed contributions.
Savings Calculator
Simple savings growth over time with interest compounding.
Rate of Return (CAGR) Calculator
Annualized return from any starting and ending investment value over any period.
529 College Savings Calculator
Monthly contribution needed to cover college costs with tuition inflation.
Life Insurance Calculator
Coverage needed using DIME method (debt, income, mortgage, education).
Payroll Tax by State
51 calculators
All 50 States — Tax Rate Hub
Compare payroll tax rates across all US states. No-tax states, flat-rate states, and graduated brackets.
Alabama Payroll Tax Calculator
Alabama state income tax, FICA, and take-home pay for any salary.
Alaska Payroll Tax Calculator
Alaska state income tax, FICA, and take-home pay for any salary.
Arizona Payroll Tax Calculator
Arizona state income tax, FICA, and take-home pay for any salary.
Arkansas Payroll Tax Calculator
Arkansas state income tax, FICA, and take-home pay for any salary.
California Payroll Tax Calculator
California state income tax, FICA, and take-home pay for any salary.
Colorado Payroll Tax Calculator
Colorado state income tax, FICA, and take-home pay for any salary.
Connecticut Payroll Tax Calculator
Connecticut state income tax, FICA, and take-home pay for any salary.
Delaware Payroll Tax Calculator
Delaware state income tax, FICA, and take-home pay for any salary.
Florida Payroll Tax Calculator
Florida state income tax, FICA, and take-home pay for any salary.
Georgia Payroll Tax Calculator
Georgia state income tax, FICA, and take-home pay for any salary.
Hawaii Payroll Tax Calculator
Hawaii state income tax, FICA, and take-home pay for any salary.
Idaho Payroll Tax Calculator
Idaho state income tax, FICA, and take-home pay for any salary.
Illinois Payroll Tax Calculator
Illinois state income tax, FICA, and take-home pay for any salary.
Indiana Payroll Tax Calculator
Indiana state income tax, FICA, and take-home pay for any salary.
Iowa Payroll Tax Calculator
Iowa state income tax, FICA, and take-home pay for any salary.
Kansas Payroll Tax Calculator
Kansas state income tax, FICA, and take-home pay for any salary.
Kentucky Payroll Tax Calculator
Kentucky state income tax, FICA, and take-home pay for any salary.
Louisiana Payroll Tax Calculator
Louisiana state income tax, FICA, and take-home pay for any salary.
Maine Payroll Tax Calculator
Maine state income tax, FICA, and take-home pay for any salary.
Maryland Payroll Tax Calculator
Maryland state income tax, FICA, and take-home pay for any salary.
Massachusetts Payroll Tax Calculator
Massachusetts state income tax, FICA, and take-home pay for any salary.
Michigan Payroll Tax Calculator
Michigan state income tax, FICA, and take-home pay for any salary.
Minnesota Payroll Tax Calculator
Minnesota state income tax, FICA, and take-home pay for any salary.
Mississippi Payroll Tax Calculator
Mississippi state income tax, FICA, and take-home pay for any salary.
Missouri Payroll Tax Calculator
Missouri state income tax, FICA, and take-home pay for any salary.
Montana Payroll Tax Calculator
Montana state income tax, FICA, and take-home pay for any salary.
Nebraska Payroll Tax Calculator
Nebraska state income tax, FICA, and take-home pay for any salary.
Nevada Payroll Tax Calculator
Nevada state income tax, FICA, and take-home pay for any salary.
New Hampshire Payroll Tax Calculator
New Hampshire state income tax, FICA, and take-home pay for any salary.
New Jersey Payroll Tax Calculator
New Jersey state income tax, FICA, and take-home pay for any salary.
New Mexico Payroll Tax Calculator
New Mexico state income tax, FICA, and take-home pay for any salary.
New York Payroll Tax Calculator
New York state income tax, FICA, and take-home pay for any salary.
North Carolina Payroll Tax Calculator
North Carolina state income tax, FICA, and take-home pay for any salary.
North Dakota Payroll Tax Calculator
North Dakota state income tax, FICA, and take-home pay for any salary.
Ohio Payroll Tax Calculator
Ohio state income tax, FICA, and take-home pay for any salary.
Oklahoma Payroll Tax Calculator
Oklahoma state income tax, FICA, and take-home pay for any salary.
Oregon Payroll Tax Calculator
Oregon state income tax, FICA, and take-home pay for any salary.
Pennsylvania Payroll Tax Calculator
Pennsylvania state income tax, FICA, and take-home pay for any salary.
Rhode Island Payroll Tax Calculator
Rhode Island state income tax, FICA, and take-home pay for any salary.
South Carolina Payroll Tax Calculator
South Carolina state income tax, FICA, and take-home pay for any salary.
South Dakota Payroll Tax Calculator
South Dakota state income tax, FICA, and take-home pay for any salary.
Tennessee Payroll Tax Calculator
Tennessee state income tax, FICA, and take-home pay for any salary.
Texas Payroll Tax Calculator
Texas state income tax, FICA, and take-home pay for any salary.
Utah Payroll Tax Calculator
Utah state income tax, FICA, and take-home pay for any salary.
Vermont Payroll Tax Calculator
Vermont state income tax, FICA, and take-home pay for any salary.
Virginia Payroll Tax Calculator
Virginia state income tax, FICA, and take-home pay for any salary.
Washington Payroll Tax Calculator
Washington state income tax, FICA, and take-home pay for any salary.
West Virginia Payroll Tax Calculator
West Virginia state income tax, FICA, and take-home pay for any salary.
Wisconsin Payroll Tax Calculator
Wisconsin state income tax, FICA, and take-home pay for any salary.
Wyoming Payroll Tax Calculator
Wyoming state income tax, FICA, and take-home pay for any salary.