Housing
Mortgage Payment Calculator
Calculate your monthly mortgage payment including principal, interest, property taxes, homeowners insurance, and PMI with verified 2026 statutory rates.
All Calculators
Browse all PlainFig calculators by category: mortgages and housing, auto financing, taxes and income, loans and debt, retirement, and financial basics.
Housing
Rent vs Buy Calculator
Compare the true total cost of renting versus buying a home over any time horizon. Accounts for mortgage amortization, property tax, maintenance, opportunity cost, and home appreciation.
Housing
Home Affordability Calculator
Home affordability calculator: enter income, debts, and down payment to find your maximum house price under the 28/36 rule, with FHA and VA options.
Housing
Mortgage Refinance Calculator
Refinance calculator: compare your current mortgage with a new rate and find your break-even month — monthly savings, closing costs, and total interest.
Housing
Mortgage Recast Calculator
Mortgage recast calculator: enter your balance, rate, and lump sum to see your new lower payment after reamortization, and how it compares to refinancing.
Auto
Auto Loan Calculator
Calculate your monthly car payment, total loan amount financed with sales tax, interest paid, and full vehicle cost using 2026 Federal Reserve benchmarks.
Auto
Car Affordability Calculator
Car affordability calculator: apply the 20/4/10 rule to your income and find the maximum car price, with payment, insurance, and fuel included.
Auto
Negative Equity Car Loan Calculator
Negative equity car loan calculator: enter your balance and car value to see how far underwater you are, and what rolling it into your next loan costs.
Taxes
Paycheck Tax Calculator
Calculate your net take-home paycheck for 2026 across all 50 states + DC using official IRS Rev. Proc. 2025-32 tax brackets, FICA, and standard deductions.
Taxes
Tax Refund Calculator
Estimate your 2026 IRS tax refund or amount owed. Uses official IRS Rev. Proc. 2025-32 tax brackets, Child Tax Credit ($2,200), and EITC parameters.
1099
Self-Employment Tax Calculator
Calculate your 2026 self-employment tax (15.3% FICA) on 1099 profit and freelance earnings, including quarterly estimated vouchers and income tax estimates.
Taxes
Bonus Tax Calculator
Bonus tax calculator: see what you keep from a bonus after the 22% federal supplemental withholding, Social Security, Medicare, and state tax.
Taxes
Lottery Tax Calculator
Lottery tax calculator: jackpot or cash value, federal withholding vs final tax, and state tax — see what you actually keep from a win.
Income
Take-Home Pay Calculator
Take-home pay calculator: estimate your net pay after federal tax and FICA, and see exactly where each deduction from your paycheck goes.
Gross-Up
Net-to-Gross Paycheck Calculator
Net to gross calculator: work backwards from the take-home pay you want to the gross salary you need to ask for, taxes included.
Overtime
Overtime Pay Calculator
Overtime calculator: check your overtime pay under current FLSA rules ($684/week salary threshold) — regular rate, time-and-a-half, weekly totals.
Income
Hourly to Salary Calculator
Convert hourly pay to salary and back: $25 an hour is $52,000 a year. Free calculator with weekly, biweekly and monthly breakdowns.
Taxes
1099 vs W-2 Calculator
1099 vs W-2 calculator: enter your pay and compare take-home as an employee versus an independent contractor, including self-employment tax.
Loans
Personal Loan Calculator
Personal loan calculator: estimate your monthly payment and total interest, compare offers by APR, and see what the loan really costs over its term.
Debt
Debt Payoff Calculator
Debt payoff calculator: compare avalanche vs snowball payoff plans, see your debt-free date and total interest, and find the fastest way out.
Loans
APR Calculator
APR calculator: find the true annual cost of a loan, fees included, and compare lenders on one basis instead of headline interest rates.
Retirement
401(k) Calculator
401(k) calculator: project your balance to retirement with the 2026 limit ($24,500, plus $8,000 catch-up at 50+), contributions, and growth.
Retirement
Roth IRA Calculator
Roth IRA calculator: project tax-free growth to retirement using 2026 limits ($7,500, plus $1,100 catch-up at 50+) and your planned contributions.
Retirement
Retirement Calculator
Retirement calculator: project your nest egg from current savings and monthly contributions, and see what retirement age your plan supports.
Retirement
Social Security Calculator
Estimate your Social Security benefit: enter your earnings and see your monthly payment at 62, 67 and 70. Free estimator using 2026 bend points.
Retirement
401(k) vs Roth IRA Calculator
401(k) vs Roth IRA calculator: put the same pay into both and compare after-tax retirement value, including your employer match.
Basics
Compound Interest Calculator
Compound interest calculator: project growth from a lump sum, monthly deposits, or both — or set a savings goal and find your monthly deposit.
Savings
CD Calculator
CD calculator: see what a certificate of deposit earns over its term — principal, rate, and compounding — before you lock your money in.