Clarity for everyday money decisions
Less guesswork.
More clear numbers.
Work out your take-home pay, see how savings could grow, or plan a faster debt payoff. Straightforward tools. Assumptions you can see.
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Savings, ten years from now
Projected balance · year 10
$47,527
- Total contributed
- $34,000
- Projected growth
- $13,527
Illustrative USD scenario: 5% annual return, monthly compounding, end-of-month contributions. Excludes tax, fees and inflation. Returns are not guaranteed.
Adjust all assumptionsWhy FinanceTool
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Every number updates live as you type, no submit button, no waiting.
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Calculator inputs are processed in your browser. No account needed to use the tools.
Works anywhere
Designed mobile-first, so it's just as clean on your phone as your desktop.
Understand the result
Published assumptions, scenario charts, and plain-English explanations alongside the numbers.
A tool for the question in front of you
From your next paycheck to your longer-term plans. Choose a tool, change the inputs, and understand the result.
- retirement
Coast FIRE
Find the age your current investments grow enough to fund retirement with zero further contributions. Free Coast FIRE calculator with chart.
Open calculator - paycheck
Illinois Paycheck
Calculate your Illinois take-home pay after federal tax, the 4.95% state tax, Social Security, Medicare and 401(k). Updated for 2026.
Open calculator - paycheck
Texas Paycheck
Calculate your Texas take-home pay with no state income tax, just federal tax, Social Security, Medicare and your 401(k). Updated for 2026.
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California Paycheck
Calculate your California take-home pay after federal tax, CA income tax (1% to 12.3%), SDI, Social Security and Medicare. Updated 2026.
Open calculator - mortgage
Mortgage Payoff
See how extra payments cut years and interest off your mortgage. Free payoff calculator with amortization schedule and payoff date.
Open calculator - paycheck
Florida Paycheck
Calculate your Florida take-home pay with no state income tax, just federal tax, Social Security, Medicare and your 401(k). Updated for 2026.
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Washington Paycheck
Calculate your Washington take-home pay. With no state income tax, only federal tax, FICA and your 401(k) come out. Updated for 2026.
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Pennsylvania Paycheck
Calculate your Pennsylvania take-home pay after the flat 3.07% state tax, federal tax, Social Security, Medicare and 401(k). Updated 2026.
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Michigan Paycheck
Calculate your Michigan take-home pay after the flat 4.25% state tax, federal tax, FICA and 401(k), with the personal exemption. Updated 2026.
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North Carolina Paycheck
Calculate your North Carolina take-home pay after the flat 3.99% state tax, federal tax, FICA and 401(k). Updated for 2026.
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Georgia Paycheck
Calculate your Georgia take-home pay after the flat state income tax, federal tax, Social Security, Medicare and 401(k). Updated for 2026.
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New York Paycheck
Calculate your New York take-home pay after federal tax, NY state tax (4% to 10.9%), Social Security, Medicare and 401(k). Updated 2026.
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Ohio Paycheck
Calculate your Ohio take-home pay after federal tax, Ohio income tax, Social Security, Medicare and 401(k). Updated for 2026.
Open calculator - investing
Future Value
See what your investment grows to with compound interest and regular contributions. Free future value calculator with a growth chart.
Open calculator - investing
Dividend
Project your dividend income over time with reinvestment (DRIP), dividend growth, and contributions. Free dividend calculator with chart.
Open calculator - investing
CD Calculator
Calculate exactly what a certificate of deposit will earn. Free CD calculator with APY, daily or monthly compounding, and a balance chart.
Open calculator - investing
CD Ladder
Build a CD ladder and see each rung's APY, maturity value, and your blended return. Free CD ladder calculator with a per-rung schedule and chart.
Open calculator - investing
CD Early Withdrawal
See the penalty for cashing out a CD early and what you'd actually keep. Free calculator showing interest, penalty, net proceeds, and any lost principal.
Open calculator - debt
Credit Card Payoff
See how fast you can be debt-free and how much interest you'll pay. Compare the snowball and avalanche methods across your cards. Free, no signup.
Open calculator - tax
GST Calculator
Add or remove GST instantly for Australia (10%), New Zealand (15%) and Canada. Free GST calculator with a clear tax breakdown.
Open calculator - tax
HST Calculator
Add or remove Canadian HST (13% to 15%) instantly. Free HST calculator for Ontario and the Atlantic provinces with a tax breakdown.
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Reverse HST
Remove HST from a tax-included price to find the pre-tax amount and the HST inside it. Free reverse HST calculator for Ontario and Canada.
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GST + QST (Quebec)
Calculate Quebec sales tax: 5% GST plus 9.975% QST. Add or remove the combined 14.975% with a free GST and QST calculator.
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GST + PST
Calculate combined GST and PST for British Columbia, Saskatchewan and Manitoba. Add or remove provincial sales tax with a free calculator.
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Australia GST
Add or remove Australian GST (10%) instantly. Free Australia GST calculator that shows the GST and the GST-exclusive price.
Open calculator - salary
Hourly Wage
Convert salary to an hourly wage and back. See your hourly, weekly, monthly and annual pay from any salary or rate. Free, no signup.
Open calculator - salary
Pay Raise
See your new salary after a raise, the annual and monthly increase, and your new hourly rate. Works by percentage or new amount. Free.
Open calculator - salary
Pro Rata Salary
Work out a pro rata salary for part-time hours: the annual, monthly and weekly pay and the hourly rate. Free UK pro rata calculator.
Open calculator - paycheck
New Jersey Paycheck
Calculate your New Jersey take-home pay after federal tax, NJ income tax (1.4% to 10.75%), Social Security, Medicare and 401(k). Updated for 2026.
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Virginia Paycheck
Calculate your Virginia take-home pay after federal tax, VA income tax (2% to 5.75%), Social Security, Medicare and 401(k). Updated for 2026.
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Arizona Paycheck
Calculate your Arizona take-home pay after the flat 2.5% state tax, federal tax, Social Security, Medicare and 401(k). Updated for 2026.
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Massachusetts Paycheck
Calculate your Massachusetts take-home pay after the flat 5% state tax, federal tax, Social Security, Medicare and 401(k). Updated for 2026.
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Tennessee Paycheck
Calculate your Tennessee take-home pay. With no state income tax, only federal tax, FICA and your 401(k) come out. Updated for 2026.
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Colorado Paycheck
Calculate your Colorado take-home pay after the flat 4.4% state tax, federal tax, Social Security, Medicare and 401(k). Updated for 2026.
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Indiana Paycheck
Calculate your Indiana take-home pay after the flat 3% state tax, federal tax, FICA and 401(k), with a county-tax note. Updated for 2026.
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Minnesota Paycheck
Calculate your Minnesota take-home pay after federal tax, MN income tax (5.35% to 9.85%), Social Security, Medicare and 401(k). Updated for 2026.
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Missouri Paycheck
Calculate your Missouri take-home pay after federal tax, Missouri income tax (up to 4.7%), Social Security, Medicare and 401(k). Updated for 2026.
Open calculator - paycheck
Alaska Paycheck
Calculate your Alaska take-home pay. With no state income tax, only federal tax, FICA and your 401(k) come out. Updated for 2026.
Open calculator - paycheck
Nevada Paycheck
Calculate your Nevada take-home pay. With no state income tax, only federal tax, FICA and your 401(k) come out. Updated for 2026.
Open calculator - paycheck
New Hampshire Paycheck
Calculate your New Hampshire take-home pay. With no tax on wages, only federal tax, FICA and your 401(k) come out. Updated for 2026.
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South Dakota Paycheck
Calculate your South Dakota take-home pay. With no state income tax, only federal tax, FICA and your 401(k) come out. Updated for 2026.
Open calculator - paycheck
Wyoming Paycheck
Calculate your Wyoming take-home pay. With no state income tax, only federal tax, FICA and your 401(k) come out. Updated for 2026.
Open calculator - paycheck
Kentucky Paycheck
Calculate your Kentucky take-home pay after the flat 4% state tax, federal tax, FICA and 401(k), with a local-tax note. Updated for 2026.
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Louisiana Paycheck
Calculate your Louisiana take-home pay after the flat 3% state tax, federal tax, Social Security, Medicare and 401(k). Updated for 2026.
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Idaho Paycheck
Calculate your Idaho take-home pay after the flat 5.3% state tax, federal tax, Social Security, Medicare and 401(k). Updated for 2026.
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Mississippi Paycheck
Calculate your Mississippi take-home pay after the flat 4.4% state tax (first $10k exempt), federal tax, FICA and 401(k). Updated for 2026.
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Iowa Paycheck
Calculate your Iowa take-home pay after the flat 3.8% state tax, federal tax, Social Security, Medicare and 401(k). Updated for 2026.
Open calculator - paycheck
South Carolina Paycheck
Calculate your South Carolina take-home pay after federal tax, SC income tax (top 6%), Social Security, Medicare and 401(k). Updated for 2026.
Open calculator - paycheck
Oklahoma Paycheck
Calculate your Oklahoma take-home pay after federal tax, OK income tax (up to 4.75%), Social Security, Medicare and 401(k). Updated for 2026.
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Kansas Paycheck
Calculate your Kansas take-home pay after federal tax, Kansas income tax (5.2% to 5.58%), Social Security, Medicare and 401(k). Updated for 2026.
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Maine Paycheck
Calculate your Maine take-home pay after federal tax, Maine income tax (5.8% to 7.15%), Social Security, Medicare and 401(k). Updated for 2026.
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Oregon Paycheck
Calculate your Oregon take-home pay after federal tax, Oregon income tax (4.75% to 9.9%), Social Security, Medicare and 401(k). Updated for 2026.
Open calculator - paycheck
Alabama Paycheck
Calculate your Alabama take-home pay after federal tax, Alabama income tax (2% to 5%), Social Security, Medicare and 401(k). Updated for 2026.
Open calculator - paycheck
North Dakota Paycheck
Calculate your North Dakota take-home pay after federal tax, ND's low income tax (0% to 2.5%), Social Security, Medicare and 401(k). Updated for 2026.
Open calculator - paycheck
Rhode Island Paycheck
Calculate your Rhode Island take-home pay after federal tax, RI income tax (3.75% to 5.99%), Social Security, Medicare and 401(k). Updated for 2026.
Open calculator - paycheck
Vermont Paycheck
Calculate your Vermont take-home pay after federal tax, Vermont income tax (3.35% to 8.75%), Social Security, Medicare and 401(k). Updated for 2026.
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Nebraska Paycheck
Calculate your Nebraska take-home pay after federal tax, Nebraska income tax (up to 5.2%), Social Security, Medicare and 401(k). Updated for 2026.
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Montana Paycheck
Calculate your Montana take-home pay after federal tax, Montana income tax (4.7% & 5.9%), Social Security, Medicare and 401(k). Updated for 2026.
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Delaware Paycheck
Calculate your Delaware take-home pay after federal tax, Delaware income tax (up to 6.6%), Social Security, Medicare and 401(k). Updated for 2026.
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West Virginia Paycheck
Calculate your West Virginia take-home pay after federal tax, WV income tax (2.22% to 4.82%), Social Security, Medicare and 401(k). Updated for 2026.
Open calculator - paycheck
New Mexico Paycheck
Calculate your New Mexico take-home pay after federal tax, NM income tax (1.5% to 5.9%), Social Security, Medicare and 401(k). Updated for 2026.
Open calculator - paycheck
Wisconsin Paycheck
Calculate your Wisconsin take-home pay after federal tax, Wisconsin income tax (3.5% to 7.65%), Social Security, Medicare and 401(k). Updated for 2026.
Open calculator - paycheck
Utah Paycheck
Calculate your Utah take-home pay after federal tax, Utah's flat 4.5% income tax, Social Security, Medicare and 401(k). Updated for 2026.
Open calculator - paycheck
Maryland Paycheck
Calculate your Maryland take-home pay after federal tax, Maryland state + county income tax, Social Security, Medicare and 401(k). Updated for 2026.
Open calculator - paycheck
Arkansas Paycheck
Calculate your Arkansas take-home pay after federal tax, Arkansas income tax (up to 3.9%), Social Security, Medicare and 401(k). Updated for 2026.
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Connecticut Paycheck
Calculate your Connecticut take-home pay after federal tax, Connecticut income tax (2% to 6.99%), Social Security, Medicare and 401(k). Updated for 2026.
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Hawaii Paycheck
Calculate your Hawaii take-home pay after federal tax, Hawaii income tax (1.4% to 11%), Social Security, Medicare and 401(k). Updated for 2026.
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What we are building next · In development
Your P&L tells a story.
Understand what changed.
A planned monthly explanation for small service businesses: what moved, what drove the movement, and what to check next. Deterministic calculations for the numbers; Claude for the interpretation.
Not available yet. No report uploads or payments are accepted here.
Explore the planned serviceSynthetic illustration · Not AI output
More revenue does not always mean more profit.
- Revenue
- $20k → $22k
- Expenses
- $14k → $17k
- Profit
- $6k → $5k
In this invented example, a $3,000 rise in subcontractor costs outpaces the $2,000 revenue increase. The useful next question: is that cost one-off or recurring?
Read the illustrative reportHow it works
Pick your calculator
Choose from retirement, paycheck, and mortgage tools, more added regularly.
Enter your numbers
Type your details and watch every result and chart update instantly as you go.
Understand the answer
Read the breakdown and the plain-English explainer so the number actually makes sense.
Built for real money decisions
FinanceTool turns the financial questions people actually ask into clear, instant answers. The library spans the everyday money decisions that are easy to put off because the math feels fiddly: how a paycheck breaks down after federal and state tax, what a certificate of deposit or a year of compound growth really earns, how much faster a mortgage disappears with one extra payment a year, how long it takes to clear a credit-card balance, and the savings number that lets retirement coast on its own. Each calculator pairs a live result and a chart with a plain-English guide, so you leave understanding the answer, not just staring at it.
Calculator math runs in your browser and updates as you change a figure, with no signup required. Tax tools use modeled federal and state figures, and calculator pages document their assumptions and sources. Formula test files cover worked examples and edge cases; tests are not an independent audit or a guarantee of accuracy. The tools give estimates for general education, not personalized financial advice, so for decisions that really matter it is always worth confirming with a qualified professional.
Frequently asked questions
- Is FinanceTool really free?
- Yes. Every calculator is free to use with no account and no paywall. The site is supported by advertising, which we keep clearly separate from the tools.
- Do my numbers stay private?
- Calculator inputs are processed locally in your browser. That is distinct from technical site data and advertising cookies, described in our Privacy Policy. The planned AI service is not available and accepts no reports here.
- How accurate are the results?
- Formulas have automated test cases, but results depend on the inputs, assumptions and rules modeled. Tax estimates do not cover every situation. See our methodology and confirm important decisions with a qualified professional.
- What can I work out here?
- Take-home pay by state, mortgage payoff, compound interest and future value, certificate-of-deposit returns, credit-card payoff, Coast FIRE, and more, with new calculators added regularly.
The people behind the product
An independent tool, built with care.
FinanceTool was started by Graham Stanes J in June 2026. The focus is straightforward: make financial numbers easier to work with and easier to understand.
Meet the founderA number is only half the answer.
Explore the financial guides for context, or read the methodology to see how formulas and assumptions shape an estimate.
Get a clear answer in seconds.
Free to use. Clear assumptions. Educational estimates, not advice.