25 free calculators for pay, tax and savings
For workers in the US and the UK. Every calculator below is free, needs no sign-up, and shows the formula and the official rule behind its answer.
US pay7
UK pay5
US retirement accounts4
Savings6
Investing3
25 of 25 calculators shown
What each calculator does
US pay
- No tax on overtime calculatorHow much of your overtime you can deduct in 2026, and what that saves in federal income tax.
- Overtime calculatorOvertime pay at time and a half or double time for a weekly or biweekly paycheck, with an estimate of take-home after federal taxes.
- Time and a half calculatorYour time and a half and double time rate in one step, with a chart for every hourly rate from $10 to $60.
- Pay raise calculatorTurn a raise percent into dollars or dollars into a percent, per year, month and paycheck, and see what is left after inflation.
- No tax on tips calculatorHow much of your tips you can deduct in 2026, the federal income tax that saves, and the Social Security and Medicare you still owe.
- Texas paycheck calculatorYour Texas take-home pay per paycheck in 2026, with federal income tax, Social Security and Medicare shown line by line and no state income tax.
- Florida paycheck calculatorYour Florida take-home pay per paycheck in 2026 from a salary or hourly rate, with a check against the $15.00 minimum wage.
UK pay
- Monthly salary calculatorYour monthly take-home pay for 2026/27, with income tax, National Insurance, pension and student loan line by line.
- Hourly rate calculatorSalary to hourly rate and back using your real hours, with a check against the minimum wage for your age.
- Pro rata salary calculatorYour part-time pay per year, month, week and hour, plus your pro rata statutory holiday in days and hours.
- Self-employed tax calculatorIncome tax and Class 4 National Insurance on sole trader profit for 2026/27, with payments on account and a monthly amount to set aside.
- IR35 calculatorInside and outside IR35 take-home pay side by side from the same day rate, with every assumption stated.
US retirement accounts
- 401(k) calculatorYour 401(k) balance at retirement with the employer match shown as its own line, and the 2026 limits applied.
- Roth IRA calculatorYour Roth IRA balance at retirement in future dollars and in today's money, with the 2026 limit and income phase-out applied.
- IRA calculatorTraditional and Roth IRA compared on one screen after tax, using your tax rate now and in retirement.
- 401(k) withdrawal calculatorIncome tax and the 10% early withdrawal tax on a 401(k) withdrawal, shown separately, with the IRS exceptions listed.
Savings
- Compound interest calculatorSee the same savings with daily, monthly and yearly compounding side by side, with a growth chart and a year-by-year table.
- CD calculatorCompare two CDs side by side and see what an early-withdrawal penalty would cost you.
- APY calculatorConvert an interest rate to APY or back at any compounding frequency, and see what it earns in dollars.
- Savings account calculatorFind out how much you will have, or how long it will take to reach your savings goal.
- Investment growth calculatorProject a starting amount plus monthly contributions year by year, in future dollars and in today's money after inflation.
- Retirement savings calculatorHow much you could have at retirement and the age your savings run out, with optional pension or Social Security income.
Investing
- Dividend calculatorDividend income per year and per month, and what reinvesting the dividends could add over time.
- ROI calculatorReturn on investment and the annualized return side by side, so the time it took is never hidden.
- Stock profit calculatorProfit after trading fees and an estimate of 2026 federal capital gains tax, short-term versus long-term.
How these calculators are built
Tax and pay rules change every year, and a wrong figure is worse than no figure. Each calculator here is built from the official form or rule, tested against hand-worked examples, and dated so you can see when it was last checked.
You can print any result, save it as a PDF, or download it as a spreadsheet file. Nothing you type leaves your browser, and there is no account to create.