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Free mortgage, tax, and loan calculators for the US and Canada. Every formula shown. No data stored. No signup.
IRS & CRA data · Browser-only · Updated 2026
Monthly payment
$2,847
30-year fixed · $450,000 · 6.75%
What brings you here today?
Choose your situation and we'll show you the right tools.
Buying a home
Estimate payments, check what you can afford, and understand the true cost.
Understanding my taxes
See your real take-home pay, tax liability, and filing strategy.
Managing a loan
Compare loan costs, find your payoff date, and lower your interest.
All calculators
Every tool runs in your browser, shows its formula, and is free.
Taxes
US Income Tax Calculator
Calculate your federal and state income tax, FICA withholding, and take-home pay.
Open →TaxesTake-Home Pay Calculator
See your net paycheck after federal, state/provincial tax, and payroll deductions — US and Canada.
Open →TaxesCapital Gains Tax Calculator
Calculate federal long-term and short-term capital gains tax, NIIT surcharge, and state capital gains tax.
Open →TaxesSelf-Employment Tax Calculator
Calculate SE tax (15.3%), income tax, and quarterly estimated payments for freelancers and 1099 workers.
Open →TaxesRoth IRA vs Traditional IRA Calculator
Compare Roth and Traditional IRA balances at retirement and find your break-even tax rate.
Open →TaxesW-4 Withholding Calculator
Estimate your IRS W-4 withholding allowances and check if you're on track to avoid a tax bill.
Open →TaxesPaycheck Calculator
Calculate your exact net paycheck for any pay period and filing status.
Open →Loans & Mortgage
Mortgage Calculator
Estimate your monthly mortgage payment, total interest, and full PITI breakdown.
Open →Loans & MortgageAuto Loan Calculator
Calculate your monthly car payment, total interest, and sales tax.
Open →Loans & MortgageAPR Calculator
Find the true annual percentage rate of any loan including origination fees and closing costs.
Open →Loans & MortgageDebt-to-Income Ratio Calculator
Calculate your front-end and back-end DTI ratio and check mortgage qualification tiers.
Open →Loans & MortgageCredit Card Payoff Calculator
Compare the avalanche and snowball methods to pay off credit card debt faster and save on interest.
Open →Loans & MortgageStudent Loan Repayment Calculator
Compare Standard, IBR, PAYE, SAVE, and PSLF repayment plans with monthly payment and forgiveness estimates.
Open →Loans & MortgageRefinance Calculator
See if refinancing your mortgage saves money after closing costs.
Open →Home & Planning
Home Affordability Calculator
Find the maximum home price you can afford based on income, debts, and the 28/36 DTI rule.
Open →Home & PlanningNet Worth Calculator
Calculate your net worth by entering assets and liabilities with a full breakdown chart.
Open →Home & PlanningCompound Interest Calculator
See how your money grows with compound interest and monthly contributions across any time horizon.
Open →Home & Planning401(k) / RRSP Planner
Project your retirement balance with employer match, inflation adjustment, and year-by-year breakdown.
Open →Home & PlanningRent vs Buy Calculator
Compare the true 30-year cost of renting vs buying with break-even analysis and equity projection.
Open →Home & PlanningHome Equity Calculator
Calculate your current home equity, LTV ratio, and appreciation gains.
Open →Home & PlanningSavings Goal Calculator
Find out how much to save each month to hit your savings goal.
Open →Home & PlanningBreak-Even Calculator
Calculate how long before an investment or decision pays for itself.
Open →Home & PlanningBudget Calculator
Allocate your income using the 50/30/20 budget rule.
Open →Home & PlanningEmergency Fund Calculator
Calculate your target emergency fund based on your monthly expenses.
Open →International
Canadian Income Tax Calculator
Estimate your federal and provincial income tax, CPP, EI, and net income.
Open →InternationalUK Income Tax Calculator
Calculate UK income tax, National Insurance, and net take-home pay for 2024-25 and 2025-26.
Open →InternationalUK Stamp Duty Calculator
Calculate SDLT (England) or LBTT (Scotland) with first-time buyer relief and surcharge rates.
Open →InternationalAustralia Income Tax Calculator
Calculate ATO income tax, Medicare Levy, LITO, and superannuation for 2024-25 (Stage 3 cuts).
Open →InternationalIreland Income Tax Calculator
Calculate Irish PAYE, Universal Social Charge (USC), PRSI, and net income for 2024.
Open →InternationalNew Zealand Income Tax Calculator
Calculate NZ PAYE tax, ACC Earners' Levy, and KiwiSaver deductions for 2024-25.
Open →US, Canada, and beyond
The only free calculator suite covering US, Canadian, UK, Australian, Irish, and New Zealand tax in one place.
Why TaxAndLoans
Shows every formula
Every calculator includes a 'Show the math' section with your actual numbers substituted in.
IRS & CRA accurate
Every bracket and rate sourced directly from IRS Publication 15-T and CRA T4032. Updated every January.
Nothing ever stored
Every calculation runs in your browser. We never send your numbers to a server.
Financial guides
Plain-English explanations of how every calculator works.
How a Mortgage Calculator Works — and What PITI Really Means
Learn how lenders calculate your monthly mortgage payment, what PITI includes, how PMI works, and how to use a mortgage calculator to compare loan options.
How the US Income Tax Calculator Works — Brackets, FICA, and Take-Home Pay
Understand how federal and state income tax is calculated, how tax brackets actually work, and what FICA withholding means for your paycheck.
How an Auto Loan Calculator Works — Monthly Payments, Interest, and Sales Tax
Learn how car loan payments are calculated, how interest adds up over the loan term, and how sales tax affects your total cost when buying a vehicle.
30+
Free calculators
6
Countries covered
IRS + CRA
Data sources
Jan 2026
Last updated