Free Financial Calculators (USA)
A forensic dashboard of 20+ online Free Financial Calculators & tools designed for US taxpayers. Audit your income, taxes, and debt with institutional-grade accuracy.
Income & Salary Financial Calculators
Take-Home Pay Calculator
Convert gross salary to net pay. Audits Federal, State, and FICA taxes.
Run Audit →Hourly to Salary Converter
See what your hourly wage equals in annual salary (and vice versa).
Convert Wage →Overtime Pay Calculator
Calculate time-and-a-half earnings for work over 40 hours.
Calculate OT →No Tax on Overtime Tool
Estimate savings from the proposed “Tax-Free Overtime” legislation.
Check Savings →Tax & Liability Calculators
1099 Tax Calculator
Calculate Self-Employment tax and QBI deductions for contractors.
Audit 1099 →Child Tax Credit Tool
Check eligibility and amounts for the $2,000+ per child credit.
Check Credit →Estate Tax Calculator
Forensic audit of inheritance tax liability against the $13M+ exemption.
Audit Estate →Freelance Tax Calculator
Comprehensive tax estimation for self-employed professionals.
Calc Taxes →Debt Payoff & Loan Calculators
Mortgage Payoff Calculator
See how extra payments save thousands in interest and shave years off loans.
Kill Mortgage →Credit Card Payoff
Calculate exactly how long it takes to be debt-free at current rates.
Payoff Plan →Car Refinance Calculator
Compare current loans vs. new rates to see monthly cash flow savings.
Check Rates →PSLF Student Loan Tool
Track progress toward Public Service Loan Forgiveness eligibility.
Track PSLF →Personal Loan Payoff
Audit the interest savings of paying off your personal loan early.
Calc Savings →HELOC Calculator
Estimate payments and interest for Home Equity Lines of Credit.
Check HELOC →Wealth & Lifestyle Tools
Commute Cost Calculator
The “True Cost” of driving. Includes depreciation and opportunity cost.
Audit Commute →Retirement Failure Calc
Stress-test your portfolio against market crashes and inflation.
Stress Test →Cap Rate Calculator
Evaluate the profitability of real estate investment properties.
Check Cap Rate →Monthly Budget Tracker
Track daily expenses and audit monthly cash flow leakage.
Start Tracking →Subscription Auditor
Calculate the annual cost of your streaming and software subscriptions.
Audit Subs →Split Bill Calculator
Fairly divide expenses with friends, including tip and tax logic.
Split Bill →Why Trust Our Free Financial Calculators?
Unlike generic tools, the Ultimate Info Guide utilizes verified US government data to provide forensic accuracy. Our online finance tools are updated annually to reflect changing tax laws and economic conditions.
Primary Data Sources:
- Tax Brackets: Sourced directly from the Internal Revenue Service (IRS) for federal accuracy.
- FICA Limits: Verified against the Social Security Administration (SSA) wage base limits.
- Energy Costs: Commute data derived from the Department of Energy and EPA fuel economy standards.
- Inflation Data: Adjusted using CPI data from the Bureau of Labor Statistics (BLS).
Disclaimer: While our financial calculators are designed for forensic accuracy, they are for informational purposes. Always consult a CPA for official filings.
Common Questions About Financial Planning Tools
Are these financial calculators accurate for 2026?
Yes. Unlike static blog posts, our tools are updated dynamically. We pull the latest tax brackets from the IRS, COLA adjustments from the SSA, and fuel economy standards from the DOE to ensure your audit is based on current fiscal year data.
Do you store my financial data?
No. We operate on a “Client-Side” forensic model. All calculations happen in your browser. No salary, tax, or debt data is ever transmitted to our servers or stored in a database. Your privacy is absolute.
Which calculator should I use for freelancing?
If you receive a 1099-NEC form, use the 1099 Tax Calculator. Standard salary calculators do not account for the 15.3% Self-Employment Tax or the Qualified Business Income (QBI) deduction, which creates a false sense of security for contractors.
How do I calculate the “True Cost” of my commute?
Use the Commute Cost Auditor. While most people only track gas money, a forensic audit includes depreciation (asset decay), maintenance, insurance, and the “Opportunity Cost” of your lost time, which often doubles the actual expense of driving.