Free US Tax and Finance Calculators 2026
Calculate US federal income tax, Social Security, 401(k) savings, mortgage payments and take-home pay using the latest IRS 2025 tax brackets. Fast, free and accurate for all filing statuses.
All USA Calculators
Every calculator below uses official IRS data for the 2025 tax year. New calculators appear here automatically as they are published.
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Most Popular US Calculators
The tools used most by American employees, self-employed workers, homebuyers and retirement savers every day.
US Federal Income Tax Calculator
Calculate your federal income tax, FICA (Social Security and Medicare), effective tax rate and take-home pay for 2025. Covers all five IRS filing statuses with the latest brackets.
Use Calculator →US Mortgage Calculator
Calculate your monthly mortgage payment including principal, interest, property tax and insurance (PITI). Compare 15-year and 30-year fixed rates and see full amortization schedules.
Use Calculator →401(k) Calculator
Project your 401(k) balance at retirement with employer match, annual contributions and compound growth. The 2025 employee contribution limit is $23,500 ($31,000 for age 50 and over).
Use Calculator →US Sales Tax Calculator
Calculate sales tax for any US state instantly. Add or remove sales tax from any price. Covers all 50 states including states with no sales tax such as Oregon, Montana and New Hampshire.
Use Calculator →US Federal Income Tax Brackets 2025
IRS federal income tax rates for the 2025 tax year (taxes filed by April 15, 2026) for single filers. Married filing jointly brackets are approximately double these thresholds.
| Tax Bracket | Taxable Income (Single) | Federal Rate | Taxable Income (Married Filing Jointly) |
|---|---|---|---|
| Bracket 1 | $0 to $11,925 | 10% | $0 to $23,850 |
| Bracket 2 | $11,926 to $48,475 | 12% | $23,851 to $96,950 |
| Bracket 3 | $48,476 to $103,350 | 22% | $96,951 to $206,700 |
| Bracket 4 | $103,351 to $197,300 | 24% | $206,701 to $394,600 |
| Bracket 5 | $197,301 to $250,525 | 32% | $394,601 to $501,050 |
| Bracket 6 | $250,526 to $626,350 | 35% | $501,051 to $751,600 |
| Bracket 7 | Over $626,350 | 37% | Over $751,600 |
2025 Standard Deductions by Filing Status
| Filing Status | Standard Deduction 2025 | Notes |
|---|---|---|
| Single | $15,000 | Up from $14,600 in 2024 |
| Married Filing Jointly | $30,000 | Up from $29,200 in 2024 |
| Head of Household | $22,500 | Up from $21,900 in 2024 |
| Married Filing Separately | $15,000 | Same as single filer |
States With No Income Tax in 2025
Nine US states charge no personal income tax in 2025. Residents in these states still pay federal income tax but pay nothing in state income tax, which can significantly increase take-home pay.
Key US Tax and Finance Facts for 2025
Important IRS thresholds and figures every American taxpayer, homebuyer and retirement saver needs to know this tax year.
Standard Deduction 2025
The standard deduction for single filers is $15,000 in 2025. About 90% of Americans claim the standard deduction rather than itemizing their deductions on Schedule A.
FICA Taxes 2025
Employees pay Social Security tax at 6.2% on wages up to $176,100 and Medicare tax at 1.45% on all wages. Employers match these amounts. Self-employed workers pay both halves at 15.3%.
401(k) Contribution Limit
The 2025 employee 401(k) contribution limit is $23,500. Workers aged 50 and over can contribute an additional $7,500 as a catch-up contribution, for a total of $31,000.
Mortgage Interest Deduction
US homeowners can deduct mortgage interest on loans up to $750,000 for a main or second home. This deduction is only available to taxpayers who itemize deductions on Schedule A.
IRA Contribution Limit
The 2025 IRA contribution limit is $7,000 ($8,000 for those aged 50 and over). Traditional IRA contributions may be tax-deductible depending on your income and whether you have a workplace retirement plan.
Child Tax Credit
The Child Tax Credit is worth up to $2,000 per qualifying child under age 17 in 2025. Up to $1,700 of this credit is refundable through the Additional Child Tax Credit for lower-income families.
US Tax and Finance Calculators: Complete 2025 IRS Guide
Whether you are calculating your federal income tax refund, estimating take-home pay after FICA deductions, projecting your 401(k) retirement balance, working out monthly mortgage payments or checking sales tax for any US state, our free American calculators give you instant answers based on the latest IRS 2025 tax rates. Every tool covers all 50 states and is updated each January when the IRS announces new brackets, standard deductions and contribution limits.
US Federal Income Tax Calculator: IRS Brackets 2025
The United States uses a progressive federal income tax system with seven brackets ranging from 10% to 37%. Because the system is marginal, you do not pay the top rate on all of your income. Instead, each portion of your income is taxed at the rate that applies to that bracket. For a single filer earning $75,000 in 2025, the first $11,925 is taxed at 10%, the next $36,550 is taxed at 12%, and the remaining amount is taxed at 22%, giving an effective rate well below the marginal rate.
Before applying the tax brackets, most Americans subtract the standard deduction from their gross income to arrive at their taxable income. For 2025, the standard deduction is $15,000 for single filers and $30,000 for married couples filing jointly. If your total itemized deductions including mortgage interest, charitable donations and state and local taxes exceed the standard deduction, itemizing on Schedule A may reduce your tax bill further.
In addition to federal income tax, most employees also pay FICA taxes. Social Security tax is 6.2% on wages up to the $176,100 wage base, and Medicare tax is 1.45% on all wages with no cap. High earners above $200,000 ($250,000 for married couples filing jointly) also pay the Additional Medicare Tax of 0.9%.
US Mortgage Calculator: Monthly Payments and Amortization
American mortgages are typically offered as 30-year or 15-year fixed rate loans, though adjustable-rate mortgages (ARMs) are also available. A 30-year fixed mortgage offers lower monthly payments but results in significantly more total interest paid over the life of the loan compared to a 15-year term. Our US mortgage calculator shows your monthly principal and interest payment, total interest paid and full amortization schedule for any loan amount, rate and term.
When buying a home in the United States, your actual monthly housing cost typically includes more than just your mortgage payment. Most lenders require borrowers to escrow property taxes and homeowners insurance as part of their monthly payment, often referred to as PITI (principal, interest, taxes and insurance). If your down payment is less than 20%, you may also be required to pay Private Mortgage Insurance (PMI) until your loan-to-value ratio drops below 80%.
US 401(k) Calculator: Maximize Your Retirement Savings
The 401(k) is America's most popular employer-sponsored retirement savings plan. Contributions to a traditional 401(k) are made pre-tax, which reduces your taxable income in the current year and allows your investments to grow tax-deferred until withdrawal in retirement. For 2025, the employee contribution limit is $23,500. Workers aged 50 and over can contribute up to $31,000 including the $7,500 catch-up contribution.
Many US employers offer matching contributions to your 401(k), which is essentially free money added to your retirement savings. A common employer match is 50% of your contribution up to 6% of salary. If you earn $70,000 and contribute 6% ($4,200), your employer adds $2,100. Always contribute at least enough to capture the full employer match before directing savings elsewhere, as the match represents an immediate 50% to 100% return on your contribution.
US Sales Tax Calculator: All 50 States
Unlike most countries, the United States does not have a national sales tax. Instead, sales tax is set by individual states and can vary significantly. As of 2025, five states charge no sales tax at all: Alaska, Delaware, Montana, New Hampshire and Oregon. The highest combined state and local sales tax rates are found in Louisiana (up to 9.55%), Tennessee (up to 9.55%) and Arkansas (up to 9.46%). California has the highest base state sales tax rate at 7.25%.
Most states exempt certain items from sales tax, most commonly prescription drugs, groceries and medical equipment. The exact exemptions vary widely by state and even by product category. Our US sales tax calculator covers the current rate for every state and lets you add or remove sales tax from any price instantly.
Frequently Asked Questions
Common questions about US federal income tax, FICA, 401(k) contributions and mortgage calculations.