Take-home pay · 2026 tax year

Paycheck calculator

Estimate take-home pay after federal withholding, Social Security, Medicare, state and local taxes, your 401(k), and benefits.

2026 federal bracketsAll 50 states + DCCity & county taxes

Earnings

Annual salary$ Pay frequency Bonus on this check Optional$

Location

State City or county tax

I live here Uncheck if you only work in this city

Federal W-4

2020 or later form

Filing status

Multiple jobs Step 2 box checked

Children under 17 $2,200 each Other dependents $500 each Other income Step 4a, yearly$ Deductions Step 4b, yearly$ Extra federal withholding Per check$ Extra state withholding Per check$

Retirement

2026 limit $24,500

Traditional 401(k) / 403(b) Roth 401(k) Employer match % of what you put in% Match limit % of your pay% Age in 2026 Sets your catch-up limit

Benefits & other deductions

Per check

Medical premium Pre-tax$ Dental & vision Pre-tax$ HSA Limit $4,400 / $8,750$ FSA / dependent care Pre-tax$

Pre-tax (Section 125) skips income tax and FICA. Pre-tax (retirement) skips income tax only. After-tax comes out of net pay.

Savings & investing

Compound interest calculator

Project how savings grow with any compounding schedule, from daily to yearly, over days, weeks, months, or years.

Daily to continuous compoundingFlexible deposit scheduleCSV export

Investment

Initial deposit$ Annual interest rate% Compounding Time period

Recurring deposits

Deposit amount$ Frequency Timing Yearly deposit increase% Inflation Used for the today's-dollars figure%

Borrowing · Vehicles

Auto loan calculator

See your monthly payment, what the car really costs with tax, fees, and interest, and how the loan length changes the total.

Trade-in & negative equitySales tax by state

Vehicle

Vehicle price $ Down payment$ Cash rebates Optional$ Trade-in value$ Still owed on trade-in$

Financing

Credit score APR % Loan term First payment Extra payment each month Optional$

Taxes & fees

State Sales tax rate State + local% Title, registration & dealer fees$

Trade-in lowers taxable price Roll tax & fees into the loan

Borrowing · Home buying

Mortgage calculator

Estimate your full monthly housing payment, including property tax, insurance, PMI or FHA premiums, and HOA dues, and see what extra payments save.

Conventional, FHA & VAExtra-payment savings

Home & loan

Home price $ Down payment Loan term Interest rate % First payment Closing costs Typically 2–5%%

Taxes, insurance & HOA

State Sets a typical tax rate Property tax Yearly Home insurance Yearly$ HOA dues Monthly$ PMI rate Estimated from your down payment % / yr

Extra payments

Optional

Extra each month$ Extra once a year$ One-time lump sum$ Paid in month number

Investing · Simulation

Investment returns & dividends

Project how an investment grows from price gains and dividends, reinvested or paid out, then test the plan against 1,000 randomized markets.

S&P 500 dividend yield 1.07% (Sept. 11, 2026)Monte Carlo simulationDividend reinvestment (DRIP)

Your plan

Investment type Sets typical assumptions Starting amount$ Monthly contribution$ Years invested years Raise contributions yearly% Savings goal Optional$

Returns & dividends

Yearly averages

Price growth% Dividend yield% Dividend growth Per share% Dividends paid Expense ratio Fund fee%

Reinvest dividends DRIP: buy more shares automatically

Risk, taxes & inflation

Volatility Yearly swings (std. dev.)% Simulations Account type Tax on dividends % Inflation%