Accurate, free finance calculators for every money decision. From paycheck and tax to mortgage, loans, savings, and investments — get instant results with no signup, no ads between you and your answer.
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Finance Calculators -- Complete Guide to Personal & Business Finance Calculators
Finance calculators are essential tools for making informed money decisions. Whether you need to estimate your take-home pay after federal and state taxes, calculate how much house you can afford, figure out your monthly loan payments, or project how your savings will grow with compound interest -- the right calculator gives you an accurate answer in seconds. CalculatorCove offers free finance calculators covering every area of personal and business finance, all verified against current IRS tables, Federal Reserve data, and state tax schedules.
Paycheck & Tax Calculators -- Know Exactly What You Take Home
Paycheck calculators factor in federal income tax withholding, Social Security (6.2%), Medicare (1.45%), state income tax, and any pre-tax deductions like 401(k) contributions and health insurance premiums. Our state-specific paycheck calculators cover all 50 states including states with no income tax like Texas and Florida, as well as high-tax states like California and New York. The self-employed tax calculator adds self-employment tax (15.3% on net earnings up to the Social Security wage base) so freelancers and contractors can plan quarterly estimated payments accurately.
Mortgage & Loan Calculators -- Monthly Payments Made Simple
Mortgage calculators break down your monthly payment into principal, interest, property tax, and insurance (PITI). The mortgage refinance calculator shows your break-even point -- how many months of lower payments it takes to recover closing costs -- so you can decide whether refinancing actually saves money. Personal loan and auto loan calculators show total interest paid over the life of the loan, helping you compare offers from multiple lenders on equal footing.
Compound interest calculators show how money grows exponentially over time -- the earlier you start, the more powerful the effect. Our retirement calculators including 401(k), IRA, Roth IRA, and 457(b) tools factor in contribution limits, employer match, estimated returns, and tax treatment at withdrawal. Dividend calculators for popular ETFs like SCHD, VOO, and MSTY help income investors project annual distributions and DRIP reinvestment growth.
Business Finance Calculators -- For Entrepreneurs & Accountants
Business finance calculators cover everything from markup and margin to EBITDA, DSCR (debt service coverage ratio), and S-corp reasonable salary calculations. The Stripe fee calculator and credit card processing fee calculators show the true cost of payment processing so you can price products correctly. Sales tax, VAT, and reverse sales tax calculators handle tax-inclusive pricing for e-commerce and retail businesses operating in multiple jurisdictions.
Frequently Asked Questions
Your take-home pay equals gross pay minus federal income tax withholding, Social Security tax (6.2% up to $176,100 in 2026), Medicare tax (1.45%), state income tax, and any pre-tax deductions. Use our paycheck calculator for your specific state to get the exact net pay amount after all withholdings.
The standard guideline is the 28/36 rule: your mortgage payment should not exceed 28% of gross monthly income, and total debt payments should not exceed 36%. With a $6,000/month gross income, your maximum mortgage payment is $1,680/month. Our home affordability calculator factors in your down payment, interest rate, property taxes, and insurance for a precise estimate.
Compound interest earns returns on both your principal and previously earned interest. $10,000 at 7% annual return grows to $19,672 in 10 years and $76,123 in 30 years. The formula is A = P(1 + r/n)^(nt) where P is principal, r is annual rate, n is compounding frequency, and t is years.
Self-employment tax is 15.3% of net self-employment income -- 12.4% for Social Security (on income up to $176,100 in 2026) plus 2.9% for Medicare (no income limit). You can deduct half of SE tax from gross income on your Form 1040. Use our self-employed tax calculator to estimate quarterly payments.
To pay off a credit card, divide the balance by your monthly payment and account for the interest accruing. With a $5,000 balance at 24% APR paying $200/month, it takes 32 months and costs $1,351 in interest. Our credit card payoff calculator shows exact payoff dates and total interest for any balance, rate, and payment amount.
Debt Service Coverage Ratio (DSCR) measures whether a property or business generates enough income to cover debt payments. DSCR = Net Operating Income / Annual Debt Service. A DSCR of 1.25 means income is 25% above the debt payment requirement. Lenders typically require DSCR of 1.20 to 1.25 for commercial real estate loans.
The026 401(k) contribution limit is $23,500 ($31,000 if age 50 or older with catch-up contributions). Financial planners recommend contributing at least enough to capture your full employer match -- that is an immediate 50-100% return on investment. Use our 401(k) calculator to see how different contribution amounts affect your retirement balance and current take-home pay.
Stripe charges 2.9% plus $0.30 per successful card transaction for standard domestic cards. International cards add 1.5%. Instant payouts add 1%. For a $100 sale, Stripe takes $3.20, leaving you $96.80. Use our Stripe fee calculator to find the exact net amount for any transaction size.