About US Finance Calculators
Our US finance calculators are specifically built for American tax laws, retirement systems, and financial products. All 10 calculators are updated for 2026 tax brackets, contribution limits, and interest rates — so the numbers you see reflect what applies to you right now.
All Available Calculators
- 401(k) Calculator: Plan retirement savings with employer match and 2026 limits ($24,500 under 50, $32,500 age 50–59/64+, $35,750 age 60–63)
- Roth IRA Calculator: Compare Roth vs Traditional IRA with 2026 phase-out ranges and $7,500/$8,600 limits
- Social Security Estimator: Model benefit amounts at any claiming age 62–70 with 2026 COLA adjustments
- Paycheck Calculator: Federal + all 50 state tax withholding for 2026 brackets
- Self-Employment Tax Calculator: 15.3% SE tax on 92.35% of net income, quarterly estimates, deductible half
- Mortgage Calculator: Full PITI with PMI, property tax, and insurance breakdowns
- Amortization Calculator: Complete payment schedule with CSV download
- Student Loan Calculator: Standard, Extended, and IBR comparison with 2026 federal rates
- Compound Interest Calculator: Daily/monthly/quarterly/annual compounding with stacked growth chart
- Debt Payoff Calculator: Avalanche vs Snowball vs minimum-only comparison for up to 5 debts
- Savings Calculator: Time-to-goal and monthly savings needed, with projected growth chart
- Budget Calculator: 50/30/20 rule breakdown with needs, wants, and savings percentages
- Net Worth Calculator: Assets minus liabilities with full breakdown chart
- Inflation Calculator: US CPI purchasing power from 1913 to 2025
2026 Key Financial Limits
- 401(k) contribution: $24,500 (under 50) · $32,500 (ages 50–59, 64+) · $35,750 (ages 60–63)
- IRA / Roth IRA: $7,500 (under 50) · $8,600 (50+)
- Roth IRA phase-out: $153k–$168k (single) · $242k–$252k (married filing jointly)
- Social Security wage base: $184,500
- Standard deduction: $16,100 (single) · $32,200 (MFJ) · $24,150 (HOH)
- Federal student loan rates: 6.39% (undergrad) · 7.94% (grad) · 8.94% (PLUS)