Country, prices in USD
United States
Calculators set up for federal and state rules, the rates that drive American mortgages and savings, and what changed in this tax year, with every dataset they rely on.
Income in the US is taxed twice over, and the second layer is the one that varies. The federal return follows the calendar year, with a standard deduction of 16,100 dollars for a single filer in 2026 and brackets from 10% to 37%. On top of it each state, and Washington DC, sets its own income tax: thirty use graduated brackets, twelve a flat rate and nine, Texas and Florida among them, tax no wages at all. The take-home pay calculator applies both layers for the state you choose. Buying a home works the same way: there is no federal transfer tax, the stamp duty calculator charges the state's own, and who pays it, buyer or seller, is set by law in some states and by custom in others.
Three rules shape the longer-term numbers. Social Security's full retirement age is 67 for anyone born in 1960 or later, which is where the retirement calculator opens. A car is priced before sales tax, which is added at the dealer and in most states charged only on the price left after a trade-in, so a part-exchange lowers the tax as well as the loan; the car loan calculator keeps a tax field for that reason. And no federal law caps what a credit card may charge: the rate and the minimum payment come from the card agreement, though since the CARD Act of 2009 every statement must say how long paying only the minimum would take, the sum the credit card payoff calculator works out for your own figures.
The calculators below are set up for the US, and each one says which of these rules it models. Every dataset behind them is listed at the foot of this page with the date it applies from.
Calculators set up for the US
27 calculators- Amazon FBA Fee CalculatorReferral and FBA fees per unit in your marketplace, and what profit remains.
- APR CalculatorA loan's true yearly cost with fees, worked by your country's legal method.
- Capital Gains Tax CalculatorThe tax on selling shares or property, under your country's own rules.
- Car Loan CalculatorMonthly payment with tax, trade-in and fees, or how much car your budget can buy.
- Credit Card Payoff CalculatorHow long a balance takes to clear, what it costs, and the payment to hit your target date.
- Debt-to-Income Ratio CalculatorYour debt ratio measured against the rules lenders actually apply in your country.
- eBay Fee CalculatorEvery eBay fee on a sale, by category, and the profit left after costs.
- Etsy Fee CalculatorEvery Etsy fee on a sale, and the profit left after your costs.
- HELOC CalculatorYour HELOC limit, the interest-only payment and the jump when repayment starts.
- Inflation CalculatorThe changing value of money between any two years, from each country's own official price index.
- Mortgage Affordability CalculatorThe most you can pay for a home under your country's own lending rules, and the rule that stops you.
- Mortgage CalculatorFull monthly payment plus the cash you need to complete, using your country's own purchase taxes.
- Overtime CalculatorA week's overtime pay under your country's rule, and what it is worth after tax.
- Pay Raise CalculatorHow much of a rise you keep after tax, and the rise you need for a take-home goal.
- Paycheck CalculatorEach paycheck after federal and state withholding, FICA and your deductions.
- PayPal Fee CalculatorPayPal's fee on a sale, and what to charge to receive a set amount.
- Pension Contribution CalculatorWhat a pension contribution costs you after tax relief, and what it grows to.
- Refinance CalculatorBreak-even month and lifetime saving of a new rate, after fees and the legally capped exit charge.
- Rent vs Buy CalculatorThe year buying overtakes renting, with your country's own entry and exit costs built in.
- Retirement CalculatorProject your portfolio to retirement in nominal and today's money, with a FIRE target and age.
- Salary to Hourly CalculatorSalary to hourly and back, with your country's own week, overtime rate and leave.
- Sales Tax CalculatorThe tax on a price where you are buying, added on or taken out, at the rate for what you are buying.
- Self-Employed Tax CalculatorWhat you keep from self-employed profit after tax and contributions.
- Shopify Fee CalculatorA month's Shopify plan and payment fees, and which plan is cheapest for you.
- Stripe Fee CalculatorStripe's fee on a payment, and the price to charge to receive a set amount.
- Take-Home Pay CalculatorSalary after income tax and social contributions in fifteen countries.
- Tip CalculatorThe tip, the split to the cent and a round-up, with each country's custom.
Studies that include the US
- Policy rates against inflation in 2025Each central bank's average policy rate over 2025 set against its country's inflation: where money at the policy rate kept its value and where it lost it.
- Stamp duty on a typical home, region by regionThe tax a buyer pays on each country's typical home in every region that sets its own: stamp duty, land transfer tax and their equivalents in fifteen countries.
- Take-home pay on the same salary in 15 countriesThe same €50,000 salary, converted at one day's exchange rates and taxed under each country's own rules: how much of it you keep in fifteen countries.
Data sources
| Dataset | Authority | Effective | Status |
|---|---|---|---|
| United States: federal capital gains tax, tax year 2026 | IRS Rev. Proc. 2025-32 (2026 inflation adjustments) | Within its effective period | |
| United States consumer finance conventions | Social Security Administration | Within its effective period | |
| US CPI-U annual averages (all items, U.S. city average, 1982-84=100) | U.S. Bureau of Labor Statistics | Within its effective period | |
| Amazon.com referral and FBA fulfilment fees (simplified) | Amazon Seller Central | Within its effective period | |
| eBay seller fees, US | eBay.com Help | Within its effective period | |
| Etsy seller fees, US | Etsy | Within its effective period | |
| PayPal merchant fees, US | PayPal merchant fees (US) | Within its effective period | |
| Shopify plans and payment fees, US | Shopify Pricing (United States) | Within its effective period | |
| Stripe standard pricing, US | Stripe pricing and fees (US) | Within its effective period | |
| United States mortgage qualifying ratios | Consumer Financial Protection Bureau | Within its effective period | |
| United States: 401(k) and IRA contribution limits, 2026 | IRS Notice 2025-67 | Within its effective period | |
| United States real estate transfer taxes by state | Code of Alabama 40-22-1 | Within its effective period | |
| United States: state sales tax rates and grocery treatment, with average local rates, 2026 | Tax Foundation | Within its effective period | |
| United States: self-employment tax and the QBI deduction, 2026 | IRS | Within its effective period | |
| Federal funds target range | FRED | Within its effective period | |
| Freddie Mac PMMS 15-year fixed mortgage rate | Freddie Mac | Within its effective period | |
| Freddie Mac PMMS 30-year fixed mortgage rate | Freddie Mac | Within its effective period | |
| US state individual income tax and employee payroll contributions, 2026 | Tax Foundation | Within its effective period | |
| US federal income tax withholding, percentage method for automated payroll, 2026 | IRS Publication 15-T (2026) | Within its effective period | |
| US federal income tax and FICA, tax year 2025 | IRS Rev. Proc. 2024-40 (2025 inflation adjustments) | Past its effective period | |
| US federal income tax and FICA, tax year 2026 | IRS Rev. Proc. 2025-32 (2026 inflation adjustments) | Within its effective period | |
| Tipping conventions in the United States | The Emily Post Institute | Within its effective period | |
| United States working time and overtime | US Department of Labor | Within its effective period |