FreeNo sign-upUpdated for 2026
Know your number before you sign, file or hire.
304 free calculators with plain-English guides for paychecks in every state, taxes, mortgages, retirement and running a business. Built on official 2026 figures, with the math, the sources and practical next steps on every page.
Built on published figures from IRS · Social Security Administration · HUD · FHFA · Veterans Affairs · Texas Comptroller · Tax Foundation
Most popular
Start with the questions that matter most
Take-home pay, house payments, taxes and retirement drive most money decisions. Each answer shows the math behind it and practical ways to improve it.
- What will I actually take home?Paycheck calculator
- What will the house cost each month?Mortgage payment
- How much federal tax will I owe?Federal income tax
- Am I saving enough to retire?Retirement
- What will this car really cost?Auto loan
- What will my 401(k) grow to?401(k)
- How much house can I afford?Home affordability
For business owners
The numbers that decide whether a business makes money
Revenue tells you how busy you are. Margin, labor cost, customer acquisition cost and cash flow tell you whether you'll still be open next year. Each calculator explains what the number means and how to move it.
See all business metrics- Are my ads making money or just revenue?ROAS
- Is my payroll too big for my sales?Labor cost percentage
- What does a new customer really cost?Customer acquisition cost
- How much does each sale really earn?Contribution margin
- Why is cash tight when sales are up?Cash conversion cycle
- Is this investment worth it?IRR
Why Cordwell
Numbers you can check, not just trust.
Every figure has a source
Tax brackets, limits and fees come from the agency that sets them, linked on the page. See the full list.
The math is shown
Each result comes with a line-by-line breakdown and a plain-English explanation of the formula.
Nothing leaves your device
Calculations run in your browser. No account, no cookies, no tracking, no email required.
Guidance, not just a number
Every page explains what your result means, how to improve it and the mistakes to avoid, with suggestions based on the numbers you enter.
Already built in
What changed for 2026
New limits from the IRS, SSA, FHFA and Texas are in every calculator. Tap any figure to use it.
- $16,100Standard deduction, singleJoint filers: $32,200
- $24,500401(k) employee limitCatch-up at 50+: $8,000
- $7,500IRA contribution limit$8,600 at age 50+
- $2,200Child tax creditPer qualifying child
- $184,500Social Security wage base6.2% stops above it
- $12,500Overtime premium deduction$25,000 if filing jointly
- $832,750Conforming loan limitOne-unit home, most areas
- $300Texas LLC filing feeCertificate of Formation
All 304 calculators
Every calculator, by topic
Including take-home pay for all 50 states and D.C., and mortgage payments for all 50 states.
Paychecks and pay
Take-home pay, hourly, overtime, raises and bonuses.
18 calculators- Paycheck calculatorSee your take-home pay after every 2026 tax and deduction, for salary or hourly pay in any state.
- Hourly paycheckEnter your hourly rate, hours and overtime to see your take-home pay.
- Salary after taxTurn a salary offer into what actually lands in your account each year, month and paycheck.
- Salary to hourlyConvert any salary into its hourly equivalent.
- Annual incomeConvert any pay rate into annual, monthly and weekly income.
- Hours calculatorFind the time between a start and end time, including overnight shifts.
- Time cardAdd up a week of shifts with breaks, overtime and pay.
- Hours to decimalConvert hours and minutes into decimal hours.
- Overtime payWork out overtime pay and total gross pay for the week.
- Time and a halfFind your time-and-a-half rate and what extra hours pay.
- No tax on overtimeEstimate how much the new federal overtime deduction saves you.
- No tax on tipsSee how much of your tip income the new deduction shields from federal income tax.
- Bonus taxSee what a bonus looks like after withholding.
- Pay raiseSee your new salary and what a raise adds to each paycheck.
- CommissionWork out commission and total pay from your sales.
- PTO accrualSee how much PTO you earn per paycheck and what you'll have by year end.
- Net to grossWork backward from the take-home pay you want to the gross pay required.
- Hourly to salaryConvert between an hourly wage and an annual salary.
Paycheck calculator by state
Take-home pay with each state's 2026 income tax.
51 calculators- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Taxes
Income tax, brackets, refunds, capital gains and credits.
23 calculators- Federal income taxEstimate your 2026 federal income tax, effective rate and bracket.
- Tax refundCompare your 2026 tax against what's been withheld to estimate your refund.
- Tax bracketSee which 2026 bracket you're in and the tax in each band.
- Earned income creditEstimate the refundable earned income credit for 2026.
- Capital gains taxEstimate the tax on selling an investment for a gain.
- Home sale gainsSee whether selling your home triggers capital gains tax.
- W-4 withholdingFind out whether you're withholding enough and what to put on line 4(c).
- 1099 taxKnow how much of your 1099 income to set aside for taxes.
- State income taxEstimate state income tax in any of the 50 states or D.C.
- California income taxEstimate your California income tax for 2026.
- New York income taxEstimate New York State income tax for 2026.
- New Jersey income taxEstimate New Jersey income tax for 2026.
- Sales taxAdd sales tax to a price in any state.
- Reverse sales taxBack the sales tax out of a total you paid.
- Car sales taxEstimate the sales tax on a vehicle purchase.
- Property taxEstimate a home's yearly property tax by state.
- Taxable Social SecurityFind how much of your Social Security benefits is subject to federal income tax.
- 401(k) withdrawalSee what an early retirement-account withdrawal really costs.
- S corp savingsCompare what you'd pay in Social Security and Medicare taxes as a single-member LLC versus electing S corporation status.
- Self-employment taxWork out Social Security and Medicare tax on your business profit for 2026, including W-2 wages that use up the wage base.
- Quarterly estimated taxEstimate how much to send the IRS each quarter, with 2026 brackets, the standard deduction and safe-harbor rules.
- Texas sales taxAdd Texas sales tax to a price, or back it out of a total that already includes tax.
- Mileage deductionTurn business miles into a 2026 deduction using both of this year's IRS rates.
Business metrics and ratios
ROAS, margins, labor cost, CAC, churn, IRR, NPV and the ratios lenders check.
24 calculators- IRRFind the annual return your project actually earns.
- Payback periodSee how long it takes to get your money back.
- Labor cost percentageMeasure what your team costs as a share of every sales dollar.
- Prime costThe single number that tells a restaurant whether it can make money.
- Food cost percentageFind your real food cost and price menu items to hit your target.
- Contribution marginSee how much each sale contributes toward fixed costs and profit.
- Customer acquisition costFind what a new customer really costs and how fast they pay it back.
- Churn rateMeasure how fast you lose customers and what it costs you.
- Inventory turnoverSee how many times a year your stock sells through, and how long it sits.
- Current and quick ratioCheck whether you can cover the bills that come due this year.
- Cash conversion cycleSee how many days your cash is tied up before customers pay you.
- EBITDAMeasure operating earnings the way buyers and lenders do.
- Conversion rateSee how many visitors become customers and what each visit is worth.
- NPV and IRREvaluate an investment's NPV, IRR and payback.
- MarginCalculate gross margin, or the price that hits a target margin.
- MarkupCalculate markup, or the price for a target markup.
- ROICalculate return on investment and its yearly rate.
- ROASCheck whether your ads are profitable.
- CPMSolve for CPM, total cost or impressions.
- NPSCalculate your Net Promoter Score.
- Lifetime valueCalculate customer lifetime value and compare it with acquisition cost.
- Business valuationEstimate what a small business could sell for.
- Break-evenFind how many sales a month cover your costs, or hit the profit you want.
- Margin and markupSet a price from your cost and target margin or markup, or check the margin on a price you already charge.
Start a Texas business
Texas LLC cost, franchise tax, trademarks and S corporations.
3 calculators- Texas LLC costAdd up every fee to form a Texas LLC, from the $300 Certificate of Formation to a registered agent and assumed name.
- Texas franchise taxSee whether your entity owes Texas franchise tax and which method gives the lower bill.
- Trademark costPrice a federal trademark application by class, including the surcharges most first-time filers don't see coming.
Run the business
Payroll cost, pricing, runway, depreciation and deadlines.
11 calculators- Business daysCount the working days between two dates.
- Add business daysFind the date a set number of business days from now.
- DeadlineFind a deadline a set number of days from a date.
- Prorated rentCalculate partial-month rent.
- DepreciationBuild a depreciation schedule for business property.
- PayPal feesCalculate PayPal fees and what you'll receive.
- YouTube earningsEstimate what a YouTube channel earns.
- Dimensional weightFind the billable weight of a package.
- Employer payroll costSee what an employee really costs once employer taxes, insurance and benefits are added to wages.
- Startup runwayFind out how long your cash lasts after startup costs, and when the business starts paying its own way.
- Freelance rateWork backward from the income you want to the hourly rate you need to charge.
Loans and debt
Payments, payoff plans, auto loans and credit cards.
26 calculators- Loan paymentCalculate the monthly payment and total interest on any fixed-rate loan.
- Personal loanSee the monthly payment and true cost of a personal loan, including fees.
- Boat loanEstimate payments on a boat loan.
- RV loanEstimate payments on an RV or camper loan.
- Motorcycle loanEstimate payments on a motorcycle loan.
- Student loanSee your student loan payment and how extra payments speed up payoff.
- Land loanEstimate payments on a land or lot loan.
- SBA loanEstimate payments on an SBA 7(a) loan.
- Auto loanCalculate your car payment with tax, trade-in and fees included.
- Car leaseWork out a lease payment the way dealers do.
- Car affordabilityTurn a monthly budget into an affordable car price.
- Auto refinanceCompare your current car loan to a refinance offer.
- Loan payoffSee when you'll be debt-free and what extra payments save.
- Credit card payoffFind your credit card payoff date or the payment needed to hit a goal.
- Credit card interestSee how much interest a card balance costs per month.
- Minimum paymentSee the real cost of making only the minimum payment.
- Debt snowballPlan your debt payoff with the snowball or avalanche method.
- Debt consolidationCheck whether a consolidation loan actually saves money.
- Debt-to-incomeCalculate the debt-to-income ratio lenders use to approve loans.
- APRFind the true annual cost of a loan once fees are counted.
- Interest rateWork out the rate a loan is charging you.
- Simple interestCalculate simple, non-compounding interest.
- Loan amountTurn a monthly payment into the loan amount it supports.
- Interest-only loanCompare the interest-only payment with the payment once principal is due.
- Balloon paymentSee the balloon payment due at the end of a loan amortized over a longer schedule.
- Business loanSee the monthly payment, total interest and real cost of a business loan, including origination fees.
Mortgage and real estate
Payments, affordability, refinancing and investment property.
30 calculators- Velocity bankingTest whether running your mortgage through a HELOC actually beats paying the same money straight to principal.
- Mortgage paymentSee your full monthly mortgage payment, with taxes and insurance for your state.
- Amortization scheduleBuild a full amortization schedule and see how extra payments change it.
- Mortgage payoffSee how extra payments shorten your mortgage.
- RefinanceFind out whether a refinance pays off and how fast.
- Cash-out refinanceSee what pulling cash out of your home through a refinance costs.
- HELOCEstimate your home equity line of credit and its payments.
- Home equity loanSee how much you could borrow against your home and the payment.
- FHA loanEstimate an FHA payment with both mortgage insurance premiums.
- VA loanEstimate a VA loan payment, including the funding fee.
- USDA loanEstimate a USDA guaranteed loan payment.
- Closing costsEstimate what you'll bring to the closing table.
- Down paymentFind your down payment target and the time to reach it.
- Rent vs buyCompare the long-run cost of buying a home with renting.
- Rent affordabilityFind a rent that fits your income.
- Cap rateCalculate a property's cap rate.
- Rental propertyAnalyze a rental property's cash flow and returns.
- House flipRun the numbers on a fix-and-flip.
- Mortgage pointsFind the break-even point for buying down your rate.
- PMIEstimate PMI and when it ends.
- Mortgage recastSee your new payment if you recast after a lump sum.
- Construction loanEstimate interest during construction and the payment afterward.
- Seller net proceedsEstimate what you'll walk away with when you sell.
- Loan-to-valueCalculate your loan-to-value ratio.
- 15 vs 30 yearCompare payments and interest on 15- and 30-year loans.
- Biweekly mortgageSee what paying half your mortgage every two weeks saves.
- Mortgage paymentEstimate the full monthly payment on a Texas home, including the property tax and insurance that make Texas payments higher.
- Texas property taxEstimate your yearly Texas property tax with the homestead exemptions voters approved in November 2025.
- Home affordabilityWork out a realistic Texas home budget from your income and debts.
- Debt service coverageCheck whether income covers loan payments the way lenders require.
Mortgage calculator by state
Payments with each state's property tax rate.
50 calculators- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Retirement, investing and benefits
401(k), IRA, Social Security, savings and growth.
30 calculators- Infinite bankingCheck the math on becoming your own bank before you buy a policy or borrow from one.
- RetirementFind out whether you're on track to retire when you want.
- 401(k)Project your 401(k) balance with your employer's match.
- TSPProject your TSP balance with the FERS agency match.
- Roth IRASee how much you can put in a Roth IRA for 2026 and what it could grow to.
- Traditional IRACompare a traditional IRA with a Roth for your tax rates.
- Roth conversionCompare converting to a Roth with leaving money in a traditional account.
- RMDFind your required minimum distribution for the year.
- Social SecurityEstimate your Social Security benefit at each claiming age.
- SS break-evenCompare two claiming ages and find the break-even age.
- AnnuityEstimate annuity income or growth.
- Investment growthSee what regular investing could grow to.
- Savings goalFind the monthly saving needed to hit a goal by a date.
- CDCalculate CD interest and maturity value.
- APYConvert a stated rate into APY.
- Future valueFind what money today plus regular deposits will be worth.
- Present valueFind today's value of a future amount.
- CAGRFind the steady yearly growth rate between two values.
- DividendsProject dividend income with reinvestment and growth.
- FIREFind your FIRE number and how long until you get there.
- Retirement withdrawalSee how long savings last at a given withdrawal.
- FERS pensionEstimate your FERS basic annuity.
- Pension lump sumCompare a lump-sum buyout with your monthly pension.
- 529 college savingsPlan college savings in a 529.
- Net worthAdd up what you own and what you owe.
- Life insuranceEstimate how much life insurance your family would need.
- BudgetSplit your take-home pay with the 50/30/20 rule.
- Stock profitCalculate profit or loss on a stock trade.
- VA disabilityCombine VA ratings the way the VA does and see your 2026 payment.
- Compound interestSee how a starting balance and monthly deposits grow with compound interest.
Home projects
Concrete, paint, roofing, flooring, decks and energy.
25 calculators- Cost to buildEstimate the all-in cost of building a home.
- ConcreteFind how much concrete to order or how many bags to buy.
- GravelFind how much gravel to order for your project.
- MulchFind how much mulch to order for your project.
- TopsoilFind how much topsoil to order for your project.
- SandFind how much sand to order for your project.
- AsphaltFind how much asphalt to order for your project.
- Cubic yardsFind how much material to order for your project.
- Square footageAdd up the square footage of rooms or areas.
- AcreageConvert land area to acres and back.
- TileFind how many tiles or boxes to buy.
- FlooringEstimate flooring boxes and cost.
- DrywallCount drywall sheets for a room.
- SodFind how many pallets of sod to order.
- PaintFigure out how much paint a room needs.
- RoofingEstimate roof area, squares and shingle bundles.
- Roof pitchConvert rise and run into roof pitch and angle.
- StairsLay out stairs from the total rise.
- FenceCount posts, rails and pickets for a fence.
- DeckEstimate boards, joists and screws for a deck.
- Board feetCalculate board feet and lumber cost.
- BTUSize an air conditioner for your room.
- Solar panelsEstimate the solar system size and payback for your home.
- Pool volumeFind how many gallons your pool holds.
- Electricity costFind what an appliance costs to run.
Everyday math, dates and school
Percentages, dates, grades, tips and trips.
13 calculators- PercentageSolve any percentage problem.
- DiscountFind the sale price and how much you save.
- TipCalculate the tip and split the bill.
- Unit priceCompare two products by price per unit.
- AgeFind exact age from a date of birth.
- Days between datesCount the days between two dates.
- Add days to a dateFind the date a number of days from another date.
- GPACalculate your GPA for a term and overall.
- Final gradeFind the score you need on the final.
- GradeTurn points earned into a percentage and letter grade.
- Margin of errorFind a survey's margin of error.
- Trip fuel costEstimate the fuel cost of a trip.
- MPGCalculate your car's fuel economy.
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