Free United States Financial Calculators
US-specific calculators using current IRS federal income tax brackets across the seven marginal bands, FICA withholding for Social Security (wage-base capped) and Medicare (uncapped, plus Additional Medicare for high earners), the standard deduction for each filing status, 401(k) and IRA contribution limits including 50+ catch-up provisions, Roth IRA phase-out ranges, FSA and HSA contribution caps, and federal mortgage interest tax treatment. Built for individuals filing in USD for the 2025 tax year.
Every calculation runs in your browser. Zero data leaves your device. No accounts, no tracking, no ads built around your inputs.
Starting with Australia, expanding market by market. Finance first — then every domain where precise calculation matters.
Results come with breakdowns, charts, and sensitivity tables so you understand not just the answer — but how it's reached.
US financial calculators — how they work for the 2025 tax year
Every calculator on this page is built specifically for taxpayers in the United States. They use the IRS federal income tax system — seven marginal brackets (10%, 12%, 22%, 24%, 32%, 35%, 37%) applied progressively, with the bracket thresholds differing by filing status (single, married filing jointly, married filing separately, head of household). The standard deduction for 2025 is $15,000 for single filers and $30,000 for married filing jointly, and our tax tools apply these automatically unless you choose to itemize.
Payroll taxes (FICA) and take-home pay
The paycheck and income tax calculators model FICA correctly: Social Security at 6.2% up to the annual wage base ($176,100 for 2025), Medicare at 1.45% with no cap, and the Additional Medicare Tax of 0.9% on wages above $200,000 ($250,000 for joint filers). Federal income tax withholding follows the post-2020 W-4 methodology. State income tax varies enormously — nine states (including Texas, Florida, Washington, and Nevada) levy no personal income tax at all, while California's top rate exceeds 13%. Where a calculation is state-sensitive, the tool flags it; for precise state liability, confirm with your state's department of revenue.
Retirement and tax-advantaged accounts
The 401(k), IRA, and retirement calculators use 2025 contribution limits: $23,500 for 401(k) elective deferrals ($31,000 with the age-50 catch-up), $7,000 for traditional and Roth IRAs ($8,000 with catch-up). Roth IRA eligibility phases out between $150,000 and $165,000 of modified AGI for single filers ($236,000–$246,000 for joint filers). HSA contribution limits are $4,300 for self-only and $8,550 for family coverage, and FSA elective contributions are capped at $3,300. These accounts interact with your marginal rate differently — a traditional 401(k) deduction is worth your top marginal rate today, while a Roth is taxed now and tax-free later, which our tools let you compare side by side.
Housing, mortgages, and capital gains
US mortgage calculations reflect the way American home loans actually work: 30-year and 15-year fixed terms are standard, the mortgage interest deduction applies to acquisition debt up to $750,000 (for loans originated after December 2017), and property tax plus state and local tax deductions are capped at $10,000 (the SALT cap). The capital gains tools apply the long-term rates (0%, 15%, 20% depending on taxable income) plus the 3.8% Net Investment Income Tax for high earners, and the primary-residence exclusion of $250,000 ($500,000 for joint filers) on the sale of a main home.
Why a US-specific tool matters
Generic calculators that aren't localized produce misleading numbers — they miss the SALT cap, mis-handle FICA's wage base, ignore filing-status bracket differences, or apply foreign retirement-account rules. Every figure here is current for the 2025 tax year and denominated in US dollars. All calculations run entirely in your browser: no data is sent to a server, no account is required, and every result comes with a full breakdown, charts, and sensitivity tables so you can see exactly how the answer was reached.
About GlobalCalc
GlobalCalc provides free, accurate financial calculators for the United States, the United Kingdom, and Australia — each market built on that country's own tax authority, currency, and regulatory rules rather than a one-size-fits-all template. The US suite alone covers property, federal and state tax, income, retirement, savings, debt, business, living costs, and health.
All calculations run in your browser. No data is sent to any server. No account required. Results include full workings, breakdowns, and charts — so you understand not just the answer, but how it's reached.