Payroll & Loans Calculators
Free payroll and loan calculators: take-home pay, nanny payroll taxes, income-driven student loan payments, and accelerated debt payoff.
Nanny Payroll Tax Calculator
Hiring a household employee like a nanny comes with payroll taxes many families forget. This calculator shows the employee's FICA taxes, your matching employer share, FUTA, and the true annual cost of paying your nanny on the books.
PAYE Student Loan Payment Calculator
Pay As You Earn (PAYE) caps your federal student loan payment at 10% of your discretionary income — what you earn above 150% of the federal poverty line. This calculator estimates your monthly payment and forgiveness timeline.
Debt Payoff Calculator
Adding a little extra to your monthly payment cuts years off your debt and saves hundreds in interest. This calculator shows the exact payoff date and interest saved.
Take-Home Pay Calculator
Your salary and your paycheck are different numbers. This estimator shows what actually lands in your bank account after federal income tax, Social Security, Medicare, state tax, and your 401(k) contribution.
Overtime Pay Calculator
Non-exempt workers earn time and a half — 1.5x their hourly rate — for every hour over 40 in a week. This calculator shows your weekly, biweekly, and annual pay with overtime.
Annual Salary to Hourly Calculator
Salaries and hourly wages are the same money expressed differently. This calculator converts your annual salary into hourly, weekly, and monthly figures — useful for comparing job offers.
Credit Card Payoff Calculator
Minimum payments on a credit card can stretch a balance out for years. This calculator shows your payoff timeline and how much interest you save by paying more each month.
Car Loan Payment Calculator
Before you sign, know the real number: your monthly car payment, how much interest you will pay, and what the loan really costs. Enter your loan amount, APR, and term.
Personal Loan Payment Calculator
Personal loans are fixed-rate and fully amortized — your payment never changes. This calculator shows the monthly cost, the total interest, and what the loan really costs over its full term.
Hourly to Salary Calculator
Wondering what your hourly rate really adds up to in a year? This calculator converts an hourly wage into weekly, biweekly, monthly, and annual income based on your hours per week and weeks worked per year.
Pay Raise Calculator
A 3% raise sounds small and a 10% raise sounds big — this calculator shows what either means in dollars per year, per month, and per paycheck, so you can evaluate any offer or negotiation.
Auto Loan Refinance Calculator
Refinancing a car loan can cut your payment or your interest — but fees and a longer term can erase the benefit. This calculator compares your current loan against a new rate and term and shows the break-even point.
Car Affordability Calculator
Dealers ask what monthly payment you want; the smarter question is what your income supports. This calculator works backwards from your budget to a max car price.
Student Loan Refinance Calculator
Refinancing federal or private student loans can cut your rate — but it can also cost you federal protections. This calculator compares the payment and interest math so you can decide with numbers.
Loan Amortization Calculator
See every payment of your loan — how much goes to interest, how much to principal, and what is left on the balance — plus what a small extra payment each month saves you in interest and time.
Student Loan Payment Calculator
The default federal student loan plan spreads your balance over 10 years at a fixed rate. This calculator shows the monthly payment and total interest for any balance, rate, and term.
Debt Snowball vs Avalanche Calculator
Which debt payoff method is right for you? Enter up to three debts and your extra monthly payment to see exactly how the snowball and avalanche compare.
Lease vs Buy Car Calculator
Lease or buy? Enter the car price, down payment, APR, and term to compare the real cost of each — including what you own at the end.
Debt Consolidation Calculator
Consolidating credit cards and loans into one payment only helps if the new rate beats your weighted average. This calculator compares the consolidated loan against your current minimum payments.
Freelance Rate Calculator
Converting a salary expectation into a freelance hourly rate is more than dividing by hours — self-employment tax, expenses, and unpaid time all take a cut. This calculator works backward from the income you want.
Disclaimer: Results are estimates for general information only and do not constitute financial, tax, or legal advice. Figures reflect 2026 rules and may change. Official figures: IRS.gov.