Know your numbers before you make a money decision.
Calculate mortgage payments, take-home pay, taxes, loans, car payments, investments, and retirement savings with simple, transparent tools built for the United States.
Last updated: · Data: IRS, SSA & Tax Foundation (tax year 2026)
Popular calculators
Mortgage tools
Paycheck & salary tools
Investment & growth tools
Why SialTV Money
- Transparent math. Every calculator shows its formula, assumptions, and data sources. No black boxes.
- Current 2026 data. Federal brackets, standard deduction, Social Security wage base, and state tax structures for tax year 2026.
- Private by design. Calculations run in your browser. Your numbers never leave your device.
- No signup, no paywall. Every tool is free and instant.
Money guides
How we build and check every number: our methodology · data sources · editorial policy
What you can calculate here
Buying a home. The mortgage calculator builds your full monthly payment: principal and interest from the standard amortization formula, plus property tax, home insurance, HOA dues, and PMI when your down payment is under 20%. You get a year-by-year schedule showing how each payment splits between interest and principal, and you can test extra monthly payments to watch the payoff date move closer. For example, a $400,000 home with 20% down at 6.5% for 30 years works out to about $2,573 a month once tax and insurance are included — and the calculator shows you exactly where every dollar goes. Pair it with the affordability calculator, which applies the classic 28/36 rule — housing costs capped at 28% of monthly income, total debts at 36% — and works backward to the home price, rent, and car payment your income can support.
Paycheck and salary. The paycheck calculator turns gross salary into take-home pay with 2026 federal brackets and standard deduction, Social Security and Medicare, and your state's 2026 tax rules — all 50 states plus DC, with the nine no-income-tax states correctly showing $0. It handles weekly, biweekly, semi-monthly, and monthly pay schedules, plus 401(k), HSA, and other pre-tax deductions. A $75,000 salary in California, for instance, leaves about $58,805 a year after federal, FICA, and state tax — the number you'd actually budget from. The salary calculator is simpler: it converts pay between yearly, monthly, weekly, daily, and hourly figures, so you can see that $38 an hour is $79,040 a year at 40 hours a week.
Loans and car costs. The loan calculator prices any installment loan — personal, auto, student — with monthly, biweekly, or weekly payments, total interest, and a full amortization schedule. A $25,000 loan at 8.5% for five years, for example, costs $512.91 a month and $5,774.80 in total interest. The car payment calculator is built for auto loans specifically: it folds in sales tax (figured on price minus trade-in), down payment, trade-in value, and dealer fees, then shows the amount financed, the monthly payment, and the true cost over the life of the loan.
Investing and growth. The investment calculator projects a portfolio from an initial amount plus regular contributions, compounded monthly, and splits the result into what you put in versus what growth added. The compound interest calculator is the flexible lab: any compounding frequency from daily to annually, optional deposits each period, and a clear breakdown of principal, contributions, and interest earned. Ten thousand dollars at 5%, compounded monthly for ten years, becomes $16,470.09 — and adding $200 a month changes the picture dramatically.
How the numbers stay honest
Every calculator shows the formula it uses and the assumptions behind it — on the page, next to the results. Tax math runs on published 2026 data: IRS federal brackets and standard deduction (single $16,100, joint $32,200, head of household $24,150), the Social Security wage base of $184,500, and state tax structures from the Tax Foundation's 2026 compilation. The math itself runs entirely in your browser, in JavaScript — your numbers never leave your device, and there's no account to create. Every worked example on the site is produced by running the site's own code, and an automated test suite re-checks the core cases on every build. Results are estimates for planning and education, never personalized financial advice. The full methodology and every data source are linked from each page, and significant corrections are logged publicly on the editorial policy page.
Who this is for
First-time homebuyers comparing what different prices and down payments actually cost per month. Job seekers turning a salary offer into a take-home number before they sign. Anyone choosing between a 48, 60, or 72-month car loan who wants the true cost, not just the monthly payment. Savers asking what $500 a month could become in 20 years. If a money decision has numbers in it, there's a calculator here for it — and a guide explaining the math behind it.