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Type what you are trying to work out, for example "take home pay", "car payment" or "closing costs".
Calculators
- Mortgage Calculator Monthly payment with tax, insurance, PMI and extra payments, plus a full amortization schedule.
- Refinance Break-Even Calculator How many months until a refinance pays for itself, and does a longer term cost you more?
- Mortgage Comparison Calculator Stack three mortgages side by side and see the exact month one becomes cheaper than another.
- Compare Loan Offers Calculator Rates, points, fees and credits from up to three lenders, and which one wins for how long you will stay.
- Closing Cost Calculator Estimate fees, prepaids and the cash to close, in the same order as your Loan Estimate.
- Rent vs Buy Calculator Who comes out ahead after your years in the home, and when does buying break even?
- House Affordability Calculator Find the price range that fits your income, debts and down payment.
- Auto Loan Calculator Monthly car payment with sales tax, trade-in, down payment and fees.
- Car Affordability Calculator Start from the monthly payment you can afford and see the car price it supports.
- Negative Equity Car Loan Calculator Trading in a car you owe more on than it is worth? See what rolling the debt over really costs.
- Home Price from Monthly Payment Type the monthly payment you are comfortable with and see the home price it supports.
- Loan Calculator Any fixed-rate loan: payment, total interest, schedule and payoff date.
- Paycheck Calculator Take-home pay for salary or hourly work, with overtime and a bonus.
- Texas Paycheck Calculator Take-home pay in Texas: no state income tax, 2026 figures.
- Florida Paycheck Calculator Take-home pay in Florida: no state income tax, 2026 figures.
- Alaska Paycheck Calculator Take-home pay in Alaska: no state income tax, 2026 figures.
- Arizona Paycheck Calculator Take-home pay in Arizona: 2.5% flat tax, 2026 figures.
- Colorado Paycheck Calculator Take-home pay in Colorado: 4.4% flat tax, 2026 figures.
- Georgia Paycheck Calculator Take-home pay in Georgia: 5.19% flat tax, 2026 figures.
- Idaho Paycheck Calculator Take-home pay in Idaho: 5.3% flat tax, 2026 figures.
- Illinois Paycheck Calculator Take-home pay in Illinois: 4.95% flat tax, 2026 figures.
- Indiana Paycheck Calculator Take-home pay in Indiana: 2.95% flat tax, 2026 figures.
- Iowa Paycheck Calculator Take-home pay in Iowa: 3.8% flat tax, 2026 figures.
- Kentucky Paycheck Calculator Take-home pay in Kentucky: 3.5% flat tax, 2026 figures.
- Louisiana Paycheck Calculator Take-home pay in Louisiana: 3.0% flat tax, 2026 figures.
- Michigan Paycheck Calculator Take-home pay in Michigan: 4.25% flat tax, 2026 figures.
- Mississippi Paycheck Calculator Take-home pay in Mississippi: 4.0% flat tax, 2026 figures.
- Nevada Paycheck Calculator Take-home pay in Nevada: no state income tax, 2026 figures.
- New Hampshire Paycheck Calculator Take-home pay in New Hampshire: no state income tax, 2026 figures.
- North Carolina Paycheck Calculator Take-home pay in North Carolina: 3.99% flat tax, 2026 figures.
- Ohio Paycheck Calculator Take-home pay in Ohio: 2.75% flat tax, 2026 figures.
- Pennsylvania Paycheck Calculator Take-home pay in Pennsylvania: 3.07% flat tax, 2026 figures.
- South Dakota Paycheck Calculator Take-home pay in South Dakota: no state income tax, 2026 figures.
- Tennessee Paycheck Calculator Take-home pay in Tennessee: no state income tax, 2026 figures.
- Utah Paycheck Calculator Take-home pay in Utah: 4.5% flat tax, 2026 figures.
- Wyoming Paycheck Calculator Take-home pay in Wyoming: no state income tax, 2026 figures.
- Self-Employment Tax Calculator Estimate SE tax, income tax and quarterly payments for 1099 work.
- Hourly to Salary Calculator Turn an hourly rate into annual pay, or a salary into an hourly rate.
- Time Card Calculator Weekly hours, breaks, overtime and gross pay from clock times.
- Hours Calculator Hours and minutes between two times, overnight shifts included.
- Overtime Calculator Overtime and double time pay for the week.
- Time and a Half Calculator 1.5x and 2x rates for any wage, with a chart.
- Biweekly Timesheet Calculator A two-week time card with overtime worked out for each week.
- Minutes to Decimal Converter Minutes to decimal hours for payroll, with a 1 to 60 chart.
- Time Duration Calculator Days, hours and minutes between two dates, or add and subtract time.
- Military Time Converter 24-hour time to AM/PM and back, with a full chart.
- Pay Raise Calculator Your new wage or salary after a raise, and what it adds each paycheck.
- Compound Interest Calculator Watch savings grow with monthly deposits and yearly increases.
- 401(k) Calculator Project your balance with employer match and 2026 IRS limits.
- Savings Goal Calculator How long to reach a goal, or what to save each month to hit a date.
- Retirement Calculator How much you need to retire, whether it lasts, and what to save each month.
- Debt-to-Income Ratio Calculator See your DTI the way lenders do, and which debt to pay off to improve it.
- Debt Payoff Calculator Several debts, one plan: snowball vs avalanche, your debt-free date and interest saved.
- Credit Card Payoff Calculator How long to pay it off, total interest, and what an extra $50 saves.
Guides
- First-Time Home Buyer Guide: Steps, Costs and Questions Every step from budget to closing day, and the cash you need at each price.
- How to Read a Loan Estimate, Page by Page What every section means, and which lines to compare between lenders.
- Questions to Ask a Mortgage Lender: 30 That Matter Thirty questions, grouped by topic, with what a good answer sounds like.
- Mortgage Pre-Approval vs Prequalification: What It Means How long a letter lasts, what it does to your credit and what lenders ask for.
- How Long Does a Mortgage Take to Close? Timeline & Rules The average time, the waiting periods, and a tool for your closing date.
- Credit Score Needed to Buy a House, by Loan Type FHA, conventional, VA and USDA rules, and which of your scores counts.
- How Much Down Payment Do You Need to Buy a House? Minimums by loan, a table by home price, and a tool for your numbers.
- Self-Employed Mortgage: Documents, Income & How to Qualify Documents, how income is worked out, and a Schedule C tool.
- California First-Time Home Buyer Programs: CalHFA Guide & Tools County income limits, MyHome, Dream For All and a repayment estimator.
- Texas First-Time Home Buyer Programs: TDHCA Guide & Tools Limits for all 254 counties, assistance, and a tax credit estimator.
- Down Payment Assistance Programs: Types, Costs & How to Find Yours What each kind costs you, and every state housing agency.
- Hourly 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.
- How to Calculate Hours Worked: Breaks and Overnight Shifts Clock times to paid hours, with breaks, overnight shifts and decimals.
- How to Calculate Overtime Pay: Regular Rate and Examples The formula, the regular rate with bonuses, and federal vs California.
- Time Clock Rounding and the 7-Minute Rule Explained What the 7-minute rule is, and what rounding does to your week.
- Are Breaks Paid? Lunch and Rest Break Rules by State Which breaks are paid, and the meal and rest rules state by state.
- Are Mortgage Points Worth It? How to Decide Find the break-even month, and how big a rate cut a point must buy.
- How Mortgage Payments Work: Principal, Interest & PMI What is inside your payment, and why early payments are mostly interest.
- 2026 Federal Income Tax Brackets and Standard Deduction Every 2026 bracket, the standard deduction and how marginal rates really work.
- Take-Home Pay by State: 2026 Salary After Tax Monthly take-home on three salaries, in every no-tax and flat-tax state.
- Self-Employment Tax Explained: What 1099 Workers Owe Why freelancers pay 15.3%, and how to plan quarterly payments.
Checklists
- First-Time Homebuyer Checklist Every step from checking your credit to getting the keys, with progress saved on your device.
- Freelancer Quarterly Tax Checklist The 2026 estimated tax dates and every step for 1099 workers, with progress saved on your device.
- Mortgage Documents Checklist The paperwork lenders commonly ask for, in the order you will need it.
- Home Inspection Checklist Choose an inspector, know what is covered, and turn the report into a decision.
State guides
- Closing costs by state Transfer taxes, recording taxes and property tax levels by state.
- Closing costs in Georgia A transfer tax the seller owes by law, and an intangible tax on your mortgage that a lender can pass to you.
- Closing costs in North Carolina A seller-paid excise tax, one of the lower property tax rates, and state down payment help.
- Closing costs in Ohio A conveyance fee the seller pays, set partly by the county, and one of the higher property tax rates.
- Closing costs in Pennsylvania A 1% state transfer tax with a local tax on top, and both buyer and seller are liable.
Tools
- Which calculator do I need? Answer two questions and get the right tools, guides and checklists.
About the site
- Methodology and sources How the calculations work and where the numbers come from.
- About CentSum Who makes this site and why.
- Contact Report a mistake or ask a question.