All Calculators
Every calculator on TaxAndLoans runs in your browser, shows its formula, and is free to use as often as you like.
Mortgage Calculator
Estimate your monthly mortgage payment, total interest, and full PITI breakdown.
Open calculator →US Income Tax Calculator
Calculate your federal and state income tax, FICA withholding, and take-home pay.
Open calculator →Canadian Income Tax Calculator
Estimate your federal and provincial income tax, CPP, EI, and net income.
Open calculator →Auto Loan Calculator
Calculate your monthly car payment, total interest, and sales tax.
Open calculator →Take-Home Pay Calculator
See your net paycheck after federal, state/provincial tax, and payroll deductions — US and Canada.
Open calculator →APR Calculator
Find the true annual percentage rate of any loan including origination fees and closing costs.
Open calculator →Home Affordability Calculator
Find the maximum home price you can afford based on income, debts, and the 28/36 DTI rule.
Open calculator →Debt-to-Income Ratio Calculator
Calculate your front-end and back-end DTI ratio and check mortgage qualification tiers.
Open calculator →Net Worth Calculator
Calculate your net worth by entering assets and liabilities with a full breakdown chart.
Open calculator →Compound Interest Calculator
See how your money grows with compound interest and monthly contributions across any time horizon.
Open calculator →401(k) / RRSP Planner
Project your retirement balance with employer match, inflation adjustment, and year-by-year breakdown.
Open calculator →Credit Card Payoff Calculator
Compare the avalanche and snowball methods to pay off credit card debt faster and save on interest.
Open calculator →Rent vs Buy Calculator
Compare the true 30-year cost of renting vs buying with break-even analysis and equity projection.
Open calculator →Student Loan Repayment Calculator
Compare Standard, IBR, PAYE, SAVE, and PSLF repayment plans with monthly payment and forgiveness estimates.
Open calculator →Capital Gains Tax Calculator
Calculate federal long-term and short-term capital gains tax, NIIT surcharge, and state capital gains tax.
Open calculator →Self-Employment Tax Calculator
Calculate SE tax (15.3%), income tax, and quarterly estimated payments for freelancers and 1099 workers.
Open calculator →Roth IRA vs Traditional IRA Calculator
Compare Roth and Traditional IRA balances at retirement and find your break-even tax rate.
Open calculator →W-4 Withholding Calculator
Estimate your IRS W-4 withholding allowances and check if you're on track to avoid a tax bill.
Open calculator →UK Income Tax Calculator
Calculate UK income tax, National Insurance, and net take-home pay for 2024-25 and 2025-26.
Open calculator →UK Stamp Duty Calculator
Calculate SDLT (England) or LBTT (Scotland) with first-time buyer relief and surcharge rates.
Open calculator →Australia Income Tax Calculator
Calculate ATO income tax, Medicare Levy, LITO, and superannuation for 2024-25 (Stage 3 cuts).
Open calculator →Ireland Income Tax Calculator
Calculate Irish PAYE, Universal Social Charge (USC), PRSI, and net income for 2024.
Open calculator →New Zealand Income Tax Calculator
Calculate NZ PAYE tax, ACC Earners' Levy, and KiwiSaver deductions for 2024-25.
Open calculator →