Money calculators that show their work
Fast, free US calculators for mortgages, paychecks, taxes, loans and savings. Every formula is explained, every tax figure is sourced, and nothing you type ever leaves your device.
Not sure where to start?
Pick what you are trying to do, and we will point you to the right calculators in the right order.
Home & Loans
Estimate payments and total cost before you borrow.
Mortgage Calculator
Monthly payment with tax, insurance, PMI and extra payments, plus a full amortization schedule.
Open calculatorRefinance Break-Even Calculator
How many months until a refinance pays for itself, and does a longer term cost you more?
Open calculatorMortgage Comparison Calculator
Stack three mortgages side by side and see the exact month one becomes cheaper than another.
Open calculatorCompare Loan Offers Calculator
Rates, points, fees and credits from up to three lenders, and which one wins for how long you will stay.
Open calculatorClosing Cost Calculator
Estimate fees, prepaids and the cash to close, in the same order as your Loan Estimate.
Open calculatorRent vs Buy Calculator
Who comes out ahead after your years in the home, and when does buying break even?
Open calculatorHouse Affordability Calculator
Find the price range that fits your income, debts and down payment.
Open calculatorAuto Loan Calculator
Monthly car payment with sales tax, trade-in, down payment and fees.
Open calculatorCar Affordability Calculator
Start from the monthly payment you can afford and see the car price it supports.
Open calculatorNegative Equity Car Loan Calculator
Trading in a car you owe more on than it is worth? See what rolling the debt over really costs.
Open calculatorHome Price from Monthly Payment
Type the monthly payment you are comfortable with and see the home price it supports.
Open calculatorLoan Calculator
Any fixed-rate loan: payment, total interest, schedule and payoff date.
Open calculatorIncome & Tax
Know your take-home pay and what you owe.
Paycheck Calculator
Take-home pay for salary or hourly work, with overtime and a bonus.
Open calculatorTexas Paycheck Calculator
Take-home pay in Texas: no state income tax, 2026 figures.
Open calculatorFlorida Paycheck Calculator
Take-home pay in Florida: no state income tax, 2026 figures.
Open calculatorAlaska Paycheck Calculator
Take-home pay in Alaska: no state income tax, 2026 figures.
Open calculatorArizona Paycheck Calculator
Take-home pay in Arizona: 2.5% flat tax, 2026 figures.
Open calculatorColorado Paycheck Calculator
Take-home pay in Colorado: 4.4% flat tax, 2026 figures.
Open calculatorGeorgia Paycheck Calculator
Take-home pay in Georgia: 5.19% flat tax, 2026 figures.
Open calculatorIdaho Paycheck Calculator
Take-home pay in Idaho: 5.3% flat tax, 2026 figures.
Open calculatorIllinois Paycheck Calculator
Take-home pay in Illinois: 4.95% flat tax, 2026 figures.
Open calculatorIndiana Paycheck Calculator
Take-home pay in Indiana: 2.95% flat tax, 2026 figures.
Open calculatorIowa Paycheck Calculator
Take-home pay in Iowa: 3.8% flat tax, 2026 figures.
Open calculatorKentucky Paycheck Calculator
Take-home pay in Kentucky: 3.5% flat tax, 2026 figures.
Open calculatorLouisiana Paycheck Calculator
Take-home pay in Louisiana: 3.0% flat tax, 2026 figures.
Open calculatorMichigan Paycheck Calculator
Take-home pay in Michigan: 4.25% flat tax, 2026 figures.
Open calculatorMississippi Paycheck Calculator
Take-home pay in Mississippi: 4.0% flat tax, 2026 figures.
Open calculatorNevada Paycheck Calculator
Take-home pay in Nevada: no state income tax, 2026 figures.
Open calculatorNew Hampshire Paycheck Calculator
Take-home pay in New Hampshire: no state income tax, 2026 figures.
Open calculatorNorth Carolina Paycheck Calculator
Take-home pay in North Carolina: 3.99% flat tax, 2026 figures.
Open calculatorOhio Paycheck Calculator
Take-home pay in Ohio: 2.75% flat tax, 2026 figures.
Open calculatorPennsylvania Paycheck Calculator
Take-home pay in Pennsylvania: 3.07% flat tax, 2026 figures.
Open calculatorSouth Dakota Paycheck Calculator
Take-home pay in South Dakota: no state income tax, 2026 figures.
Open calculatorTennessee Paycheck Calculator
Take-home pay in Tennessee: no state income tax, 2026 figures.
Open calculatorUtah Paycheck Calculator
Take-home pay in Utah: 4.5% flat tax, 2026 figures.
Open calculatorWyoming Paycheck Calculator
Take-home pay in Wyoming: no state income tax, 2026 figures.
Open calculatorSelf-Employment Tax Calculator
Estimate SE tax, income tax and quarterly payments for 1099 work.
Open calculatorHourly to Salary Calculator
Turn an hourly rate into annual pay, or a salary into an hourly rate.
Open calculatorWork Hours & Pay
Add up hours, overtime and what a shift pays.
Time Card Calculator
Weekly hours, breaks, overtime and gross pay from clock times.
Open calculatorHours Calculator
Hours and minutes between two times, overnight shifts included.
Open calculatorOvertime Calculator
Overtime and double time pay for the week.
Open calculatorTime and a Half Calculator
1.5x and 2x rates for any wage, with a chart.
Open calculatorBiweekly Timesheet Calculator
A two-week time card with overtime worked out for each week.
Open calculatorMinutes to Decimal Converter
Minutes to decimal hours for payroll, with a 1 to 60 chart.
Open calculatorTime Duration Calculator
Days, hours and minutes between two dates, or add and subtract time.
Open calculatorMilitary Time Converter
24-hour time to AM/PM and back, with a full chart.
Open calculatorPay Raise Calculator
Your new wage or salary after a raise, and what it adds each paycheck.
Open calculatorSavings & Retirement
See what regular saving can grow into.
Compound Interest Calculator
Watch savings grow with monthly deposits and yearly increases.
Open calculator401(k) Calculator
Project your balance with employer match and 2026 IRS limits.
Open calculatorSavings Goal Calculator
How long to reach a goal, or what to save each month to hit a date.
Open calculatorRetirement Calculator
How much you need to retire, whether it lasts, and what to save each month.
Open calculatorDebt
Plan a way out and see what each extra dollar saves.
Debt-to-Income Ratio Calculator
See your DTI the way lenders do, and which debt to pay off to improve it.
Open calculatorDebt Payoff Calculator
Several debts, one plan: snowball vs avalanche, your debt-free date and interest saved.
Open calculatorCredit Card Payoff Calculator
How long to pay it off, total interest, and what an extra $50 saves.
Open calculatorWhy people use CentSum
Built to be accurate first, and pleasant to use second.
Private by design
Calculations run in your browser. We do not send what you enter. Anything you save stays on your device.
Tested formulas
Every calculation is unit-tested against known answers and closed-form math.
Sources you can check
Tax brackets and limits come from IRS publications, listed on our methodology page.
Fast and accessible
Lightweight pages, keyboard friendly, light and dark themes, works on any phone.
Checklists
Step-by-step lists for big money moments. Tick things off and your progress saves on your device.
First-Time Homebuyer Checklist
Every step from checking your credit to getting the keys, with progress saved on your device.
Open checklist (28 steps)Freelancer Quarterly Tax Checklist
The 2026 estimated tax dates and every step for 1099 workers, with progress saved on your device.
Open checklist (23 steps)Mortgage Documents Checklist
The paperwork lenders commonly ask for, in the order you will need it.
Open checklist (28 steps)Home Inspection Checklist
Choose an inspector, know what is covered, and turn the report into a decision.
Open checklist (31 steps)Guides
Plain-English explainers that go with the calculators.
First-Time Home Buyer Guide: Steps, Costs and Questions
Every step from budget to closing day, and the cash you need at each price.
Read guideHow to Read a Loan Estimate, Page by Page
What every section means, and which lines to compare between lenders.
Read guideQuestions to Ask a Mortgage Lender: 30 That Matter
Thirty questions, grouped by topic, with what a good answer sounds like.
Read guideMortgage Pre-Approval vs Prequalification: What It Means
How long a letter lasts, what it does to your credit and what lenders ask for.
Read guideHow Long Does a Mortgage Take to Close? Timeline & Rules
The average time, the waiting periods, and a tool for your closing date.
Read guideCredit Score Needed to Buy a House, by Loan Type
FHA, conventional, VA and USDA rules, and which of your scores counts.
Read guideHow Much Down Payment Do You Need to Buy a House?
Minimums by loan, a table by home price, and a tool for your numbers.
Read guideSelf-Employed Mortgage: Documents, Income & How to Qualify
Documents, how income is worked out, and a Schedule C tool.
Read guideCalifornia First-Time Home Buyer Programs: CalHFA Guide & Tools
County income limits, MyHome, Dream For All and a repayment estimator.
Read guideTexas First-Time Home Buyer Programs: TDHCA Guide & Tools
Limits for all 254 counties, assistance, and a tax credit estimator.
Read guideDown Payment Assistance Programs: Types, Costs & How to Find Yours
What each kind costs you, and every state housing agency.
Read guideHourly Wage to Salary Chart: $10–$75/hr and $25k–$150k/yr
Every wage from $10 to $75 an hour and every salary from $25,000 to $150,000.
Read guideHow to Calculate Hours Worked: Breaks and Overnight Shifts
Clock times to paid hours, with breaks, overnight shifts and decimals.
Read guideHow to Calculate Overtime Pay: Regular Rate and Examples
The formula, the regular rate with bonuses, and federal vs California.
Read guideTime Clock Rounding and the 7-Minute Rule Explained
What the 7-minute rule is, and what rounding does to your week.
Read guideAre Breaks Paid? Lunch and Rest Break Rules by State
Which breaks are paid, and the meal and rest rules state by state.
Read guideAre Mortgage Points Worth It? How to Decide
Find the break-even month, and how big a rate cut a point must buy.
Read guideHow Mortgage Payments Work: Principal, Interest & PMI
What is inside your payment, and why early payments are mostly interest.
Read guide2026 Federal Income Tax Brackets and Standard Deduction
Every 2026 bracket, the standard deduction and how marginal rates really work.
Read guideTake-Home Pay by State: 2026 Salary After Tax
Monthly take-home on three salaries, in every no-tax and flat-tax state.
Read guideSelf-Employment Tax Explained: What 1099 Workers Owe
Why freelancers pay 15.3%, and how to plan quarterly payments.
Read guide