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Honest Figures

Tools

Calculators for everyday money

Free calculators for paychecks, taxes, saving, debt and buying a home. Each lays out the formula and the figures behind its result. All 26 are grouped by topic below.

Paychecks & taxes

Take-Home Pay

Your salary after federal tax, FICA and state, with every deduction shown.

Paycheck

What actually lands in each paycheck, weekly, bi-weekly or monthly.

Income Tax

Estimate your federal and state income tax bill, and your real effective rate.

Effective Tax Rate

The share of your income that actually goes to tax, not just your bracket.

Self-Employment Tax

What 1099 and freelance income really costs once self-employment tax is in.

Bonus Tax

How much of a bonus you keep after that flat 22% withholding.

Capital Gains Tax

Tax on investment profit, short-term versus long-term.

Hourly to Salary

Turn an hourly rate into a yearly salary, and see it weekly and monthly.

Everyday money

Sales Tax

Add sales tax to any price, by state.

Tip & Split

Tip and split the bill without doing mental math at the table.

Cost of Living

What a salary in one city is really worth in another once prices are in.

Saving & investing

Compound Interest

See how savings grow over time, and how much of the total is interest.

Savings Goal

The monthly amount to reach a goal by a certain date.

Retirement

What your 401(k) could be worth, with the employer match counted.

FIRE Number

The amount you would need saved to stop working, and when you might get there.

Inflation

What today’s money will be worth later, and what things will cost.

Roth vs Traditional

Pay tax now or later, and which one leaves you with more.

Debt

Debt Payoff

Snowball or avalanche, and how fast extra payments clear your balances.

Loan & Amortization

Monthly payment and the full schedule for any loan.

Credit Card Payoff

How long a card takes to clear, and what the minimum really costs.

Auto Loan

Car payment by price, down payment, rate and term.

Student Loan

Payoff time and interest for student debt.

Buying a home

Mortgage

The real monthly cost of a home, including tax, insurance and PMI.

Mortgage Extra Payment

How much a little extra each month saves, and how many years it cuts.

How Much House

The price range your income and down payment can support.

Rent vs Buy

The crossover year where buying overtakes renting, at real 2026 rates.