Are these calculators free?

Yes. Every tool on US Finance Tools Hub is 100% free with no signup required.

How accurate are the estimates?

We use the latest 2026 IRS federal tax brackets, FICA rates, and state tax data. Results are estimates and should not replace advice from a tax professional or licensed financial advisor.

Do you store my financial information?

No. All calculations run in your browser. We don't store, transmit, or save your salary, income, or mortgage details.

Which states are supported?

All 50 US states plus the District of Columbia are supported in our salary and tax tools.

US Finance Tools Hub

Precision financial calculators for American households.

Built on the 2026 IRS brackets, FICA, and the tax codes of all 50 states. Run your numbers in seconds — privately, in your browser.

Estimate my refund Calculate take-home pay

Calculators

States

2025

Tax Year

Std. Deduction (Single)

$15,000

Tax year 2025 — IRS Rev. Proc. 2024-40

Top Federal Bracket

37%

Taxable income > $626,350 (2025)

FICA (Employee)

7.65%

6.2% SS (up to $176,100) + 1.45% Medicare

Avg. 30-yr Mortgage benchmark

6.85%

National reference rate

Calculators

Methodology

Federal · 2026 brackets

IRS Tax Refund Calculator

Estimate your 2026 federal refund or balance due in seconds. Supports all filing statuses.

Open calculator

50 states + DC

Salary After Tax Calculator

See your take-home pay after federal, state, and FICA taxes. All 50 states supported.

Open calculator

28/36 rule built-in

Mortgage & Affordability

Calculate your monthly payment or find out exactly how much house you can afford.

Open calculator

Popular state pages

All 50 states →

SalaryTax RefundMortgage

CACalifornia TXTexas NYNew York FLFlorida ILIllinois WAWashington MAMassachusetts GAGeorgia

CA Tax Refund·TX Mortgage·$100k after tax CA·$80k after tax TX·$120k after tax NY

From the guides

All guides →

Market reference

Federal funds rate5.25–5.50%
Social Security wage base$176,100
401(k) limit (under 50)$23,000
HSA family limit$8,300
Mortgage 15-yr (ref.)6.05%

Why professionals trust us

Client-side only
Your income, withholding, and loan figures never leave your device.
All 50 states + DC
Maintained against current state DOR effective rate tables.
IRS-aligned math
2026 federal brackets, standard deductions, and FICA limits.

Frequently asked questions

Are these calculators free?: Yes. Every tool on US Finance Tools Hub is 100% free with no signup required.
How accurate are the estimates?: We use the latest 2026 IRS federal tax brackets, FICA rates, and state tax data. Results are estimates and should not replace advice from a tax professional or licensed financial advisor.
Do you store my financial information?: No. All calculations run in your browser. We don't store, transmit, or save your salary, income, or mortgage details.
Which states are supported?: All 50 US states plus the District of Columbia are supported in our salary and tax tools.