Calculate your take-home income, compounding interest, debt, tax brackets, and much more, with powerful insights into your money flow so you can hit your financial goals.
01 — Tax Calculator
Federal + state + FICA, by filing status.
| Component | Rate | Wage base | Amount |
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02 — Compound Interest
Project any portfolio's growth over any horizon. Pick a benchmark return or set your own, then type any number of years.
03 — Credit Card Payoff
Enter your balance, APR, and what you can pay each month. We'll show the time-to-zero and total interest cost.
04 — Mortgage / Loan
Principal & interest only. Property taxes, insurance, and HOA are extra, and your lender's escrow rolls those in.
05 — Retirement / 401(k)
Project your 401(k) with employer match using the 4% safe-withdrawal rule.
06 — Inflation
A dollar today and a dollar in 20 years are not the same dollar. See the gap.
Progressive — 7 brackets from 10% to 37%. Only income within each band is taxed at that band's rate. Your “marginal rate” is the rate on your last dollar earned, not your overall rate.
9 states have no income tax (FL, TX, WA, NV, SD, WY, AK, NH, TN). The rest range from a flat 2.5% in Arizona to 13.3% top marginal in California.
6.2% Social Security on the first $184,500 (2026 cap) plus 1.45% Medicare on every dollar. Self-employed pay double. This is independent of brackets and not deductible.
These are the top 2026 rates, paid only on the highest part of a big income. Most people pay less, and the calculator above works out your real rate.
If you don't know your numbers, LedgerAir can lighten your books. Our platform can take a backlog of up to two years and get it done in less than an hour.
Disclaimer: This calculator provides estimates based on 2026 tax rates, standard deductions, and FICA taxes. Your actual tax liability may differ.