US calculators
These calculators follow US rules: federal tax brackets, FICA, PMI, sales tax and the 4.0 GPA scale. I'm based in Scotland, so I built them from the primary sources - the IRS, the Social Security Administration and the Consumer Financial Protection Bureau - and every page lists the ones it uses.
Tax figures are for 2026, the return you'll file in 2027. State and local taxes vary too much to model state by state, so where they matter, you can enter your own rate.
Tax and pay
Home and car
School and college
US guides
- US · Income tax How US tax brackets actually work: marginal and effective rates for 2026 Moving into a higher tax bracket never means taking home less. Here's how the 2026 federal brackets work, with worked examples, and why your effective rate is far lower than your bracket. Read the guide
- US · Pay Understanding your US paycheck: from gross pay to take-home Where the money goes between your salary and your bank account - federal withholding, Social Security, Medicare, 401(k), health premiums and state tax - with a worked biweekly example for 2026. Read the guide
- US · Self-employment US self-employment tax explained: what freelancers owe and how much to set aside Self-employed in the US? You pay both halves of Social Security and Medicare on top of income tax. Here's how self-employment tax works for 2026, the deductions that soften it, and a set-aside table by profit. Read the guide
- US · Mortgages How to get rid of PMI: the 80% and 78% rules, and how to get there sooner Private mortgage insurance doesn't have to last the life of your loan. Here's when US law says it must come off, how to ask for it to go earlier, and a worked example of the timeline on a $400,000 home. Read the guide
Also useful
General calculators that work just as well in dollars.