Finance calculators
Free finance calculators for US 2026 paycheck withholding, fixed-rate mortgages and monthly compound interest, with assumptions and worked examples.
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Choose a finance calculator for the question you have
Use the paycheck calculator to examine US 2026 regular employee pay after federal withholding and FICA. Use the mortgage calculator to estimate a fixed-rate monthly payment with your entered property tax and home insurance. Use the compound interest calculator to compare a fixed-rate savings scenario with regular month-end contributions. These are different models, so begin with the decision you are trying to understand rather than a large final number.
Keep assumptions beside the result
The paycheck form assumes a simple 2020-or-later W-4, with Step 2 unchecked and Steps 3–4 blank. It does not include state or local taxes or benefits. Year-to-date wages affect Social Security and Additional Medicare withholding on the current check. A withholding estimate is not a calculation of your final tax return or an exact deposit prediction.
For a mortgage, enter the loan balance after the down payment and use the nominal note rate. Monthly principal and interest is only part of housing costs; mortgage insurance, association dues, maintenance and closing costs are excluded. For compound interest, a fixed nominal annual rate and monthly deposits describe an illustration, not a forecast of investment returns. Fees, taxes, inflation and losses require additional modeling.
Compare scenarios carefully
Change one input at a time when comparing terms, contribution amounts or payment frequencies. Keep the units and time periods consistent. A monthly salary input cannot be compared directly with the same dollar amount paid every two weeks. Likewise, an APY is not interchangeable with a nominal rate in a monthly compounding formula.
Each tool includes worked examples, limitations and links to official or primary references. The calculations run on your device without an account. Use them to understand arithmetic and prepare better questions, then verify payroll details, written loan terms or account conditions with the relevant provider. These pages are for reference and do not provide individualized financial, investment, tax or legal advice.