USA Financial
Calculators Hub

Yes — all 21 calculators are completely free. No account, email, or payment is ever required. Every tool runs entirely in your browser and does not store or transmit your data.

All tax calculators are built for the 2026 tax year, using the IRS federal tax brackets, standard deduction amounts, and contribution limits published for 2026. The Federal Income Tax Calculator, W-4 Withholding Calculator, and 1099 Tax Calculator are all updated to reflect the latest IRS guidance.

For 2025, federal income tax rates range from 10% to 37%. The seven brackets are: 10%, 12%, 22%, 24%, 32%, 35%, and 37%. The exact thresholds depend on your filing status (single, married filing jointly, head of household, etc.). Use our Federal Income Tax Calculator to see your exact bracket and estimated liability.

The IRS 401(k) employee contribution limit for 2025 is $23,000. Workers aged 50 and over can make an additional catch-up contribution of $7,500, for a total of $30,500. The combined employer + employee limit is $69,000 (or $76,500 with catch-up). Our 401(k) calculator applies these limits automatically.

Private Mortgage Insurance (PMI) is required when your down payment is less than 20%. Under the Homeowners Protection Act, lenders must automatically cancel PMI when your loan-to-value ratio reaches 78%. You can request removal at 80% LTV. Our PMI Removal Calculator shows you the exact month you hit each threshold based on your loan balance and home value.

An HSA (Health Savings Account) requires a High Deductible Health Plan (HDHP), rolls over year-to-year, and the funds are yours permanently. An FSA (Flexible Spending Account) is available with most health plans, but unspent funds are typically forfeited at year-end (with limited grace period). Both are tax-advantaged. Our HSA vs FSA Calculator compares the annual tax savings for your specific situation.

Yes. If you earn $400 or more in net self-employment income, you must pay self-employment tax of 15.3% (12.4% Social Security + 2.9% Medicare) on top of your federal income tax. However, you can deduct half of your self-employment tax when calculating your adjusted gross income. Our 1099 Tax Calculator handles both the income tax and self-employment tax estimates automatically.