FinCalc USA — Free Financial Calculators 2025 | Tax, Mortgage, Salary, Retirement

IRS-Accurate 2025 Brackets

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Instant Results

All 50 States

Mobile Optimized

🧾 Tax Calculators 3 tools

Federal Income Tax Calculator

2025 IRS brackets, standard vs itemized deductions, AGI, effective & marginal rate for all filing statuses.

2025 BracketsAGIFiling Status

Live🔥 High RPM

Capital Gains Tax Calculator

Short-term vs long-term capital gains, 3.8% NIIT surcharge, state tax — stocks, crypto, real estate. 2025 rates.

Short-termLong-termNIITCrypto

🔥 PopularLive

Self-Employment Tax Calculator

1099 freelancer income, SE tax 15.3%, quarterly estimated payments, Schedule C deductions, net profit.

1099 IncomeSE TaxQuarterly

💵 Income & Salary 1 tool

Live⭐ Most Used

Salary & Paycheck Calculator

Take-home pay after federal + all 50 state taxes, Social Security & Medicare (FICA), 401k pre-tax, HSA, and other deductions. Supports hourly, weekly, biweekly, semi-monthly & annual pay.

Federal TaxAll 50 StatesFICA401kHSAAll Pay Frequencies

🏦 Retirement Calculators 2 tools

401(k) Retirement Calculator

Retirement balance projection with employer match, annual tax savings, and 2025 IRS limits ($23,500 under 50 / $31,000 age 50+).

Employer MatchTax SavingsIRS 2025

Roth IRA Calculator

Tax-free retirement growth, 2025 income phase-out limits ($150K–$165K single), Roth vs Traditional IRA comparison.

$7,000 LimitPhase-outTax-free Growth

🏠 Home & Mortgage 3 tools

Mortgage Calculator

Monthly P&I payment, PMI, PITI breakdown, full amortization schedule with extra payment savings.

PMIPITIAmortization

Home Affordability Calculator

How much house can you afford? Based on income, debt-to-income ratio (28/36 rule), down payment, and rates.

DTI 28/36Down PaymentMax Price

Auto Loan Calculator

Monthly car payment, sales tax, trade-in value, total cost of ownership and early payoff savings.

Monthly PaymentSales TaxTrade-in

📊 Investment Calculators 1 tool

Stock Return Calculator

Total return, CAGR, and dividend reinvestment — see how any stock investment or S&P 500 portfolio would have grown historically.

CAGRDividendsTotal Return

💳 Debt & Loans 2 tools

Student Loan Calculator

Repayment plans (Standard, IDR, PAYE, IBR), total interest over life of loan, PSLF eligibility, and payoff timeline.

IDR PlansPSLFTotal Interest

Debt Payoff Calculator

Snowball vs avalanche debt payoff — compare total interest saved, payoff date, and monthly payment plan.

SnowballAvalancheInterest Saved

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🔢 Sales Tax Calculator

₿ Crypto Tax Calculator

🔥 FIRE Calculator

💰 Compound Interest

📅 Retirement Withdrawal

🗺️ Tax Calculators by State

State-specific salary & tax calculators with local income tax rates

California Texas New York Florida Illinois Washington Georgia Pennsylvania Ohio Michigan

🏆 Why Trust FinCalc USA

IRS-Sourced Data

All tax figures come directly from official IRS publications — Rev. Proc. 2024-61, IRS Pub. 15, and more. Updated every January.

100% Private

All calculations run entirely in your browser. We never receive, store, or transmit your financial data. Zero.

Free Forever

No sign-up, no subscription, no credit card. Supported by non-intrusive advertising. Financial tools should be accessible to everyone.

Expert Reviewed

Our lead CPA reviews all calculators before publishing. Methodology is documented publicly for full transparency.

✍️ Finance Blog Latest

2025 Federal Tax Brackets: What Every American Needs to Know

The IRS released new inflation-adjusted brackets for 2025. Here's exactly how your income is taxed and how to reduce your bill legally.

8 min read · Tax 2025

401(k) vs Roth IRA: Which Is Better in 2025?

How Much House Can You Afford on $80K Salary?

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2025 tax tips, calculator updates, and personal finance guides. No spam, unsubscribe anytime.

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Frequently Asked Questions

Everything you need to know about FinCalc USA calculators

Are all FinCalc calculators free?

Yes — 100% free forever. No sign-up, no subscription, no credit card. Supported by non-intrusive advertising and affiliate partnerships.

How accurate are the 2025 tax calculations?

We use 2025 IRS tax brackets (Rev. Proc. 2024-61), current FICA rates (6.2% SS / 1.45% Medicare), and state tax tables updated each January. Results are strong estimates — consult a licensed CPA for official filing.

What are the 2025 federal income tax brackets?

For single filers: 10% (up to $11,925) · 12% (up to $48,475) · 22% (up to $103,350) · 24% (up to $197,300) · 32% (up to $250,525) · 35% (up to $626,350) · 37% (above $626,350). Standard deduction: $15,000 single / $30,000 married filing jointly.

What is the 401(k) contribution limit for 2025?

$23,500 for employees under 50; $31,000 for those 50 or older (including $7,500 catch-up). IRA limit is $7,000 / $8,000 for 50+. SIMPLE IRA: $16,500 / $20,000 for 50+.

Does FinCalc store or sell my data?

No. All calculations run 100% in your browser using JavaScript. We never receive, store, or transmit your income, tax, or personal information.

Which US states are covered?

All 50 states plus Washington D.C. This includes states with zero income tax: Texas, Florida, Nevada, Washington, Wyoming, Alaska, South Dakota, and Tennessee.