Money math, made clear
Know what your paycheck, rent and home budget really look like.
Free calculators built on real tax and cost-of-living data, with every number explained.
People ask us:
- Tax year modeled
- 2026
- States + DC covered
- 51
- Salary breakdowns by state
- 969
- Cost. No sign-up, no email
- $0
Tools by topic
Start with the numbers that shape every other money decision.
Paycheck & taxes
What you actually keep after federal, state and payroll taxes.
Housing
Rent and home budgets that fit your real take-home pay.
- Rent affordability calculator Soon
- Home affordability calculator Soon
Debt payoff
How long your debts will take to clear, and what they cost.
- Credit card payoff calculator Soon
- Debt snowball vs. avalanche Soon
Saving & retirement
How today's savings grow toward your goals.
- Savings goal calculator Soon
How it works
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1
Enter your pay and state
A yearly salary or an hourly wage, plus where you live and how you file.
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2
See every deduction
Federal income tax, state tax, Social Security and Medicare, per paycheck and per year.
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3
Check the math
Each result links to our methodology and the IRS and state sources behind it.
Take-home pay in your state
Pick a state to open the calculator with its tax rules loaded.
Salary after taxes, by state
See how much common salaries leave you in every state.
Why trust our numbers
Real data, cited
Tax brackets, wages and housing costs come from the IRS, state tax agencies, the BLS, HUD and other public sources. Every figure links back to where it came from.
Math you can check
Our methodology page explains each formula and assumption in plain English, so you can see how every answer is worked out.
Free, no sign-up
Every calculator runs in your browser. We don't ask for your email, and the numbers you enter never leave your device.
Find out what you really take home.
It takes about 30 seconds. No sign-up, nothing leaves your browser.