Calc My Net Worth
Free US personal finance calculators for take-home pay, housing decisions, retirement and Social Security, taxes, and debt — with the sources behind each tool shown.
- Paycheck CalculatorTake-home pay by state, filing status, and pay frequency (2026 rates).
- Rent vs. Buy CalculatorCompare projected net worth from renting vs. buying, localized by state.
- Net Worth CalculatorTotal up your assets and debts, and see how you compare to your age group.
- Net Worth Forecast CalculatorProject your net worth year by year from salary, spending, one-off costs, investments, 401(k) match, home and retirement.
- Coast FIRE CalculatorSee if your current savings alone will grow to your retirement number.
- Debt Payoff CalculatorCompare the avalanche and snowball methods for your actual debts.
- Emergency Fund CalculatorSee your target fund size and how long it'll take to reach it.
- Closing Cost CalculatorA home buyer's itemized closing costs and the total cash to close.
- Mortgage Refinance CalculatorBreak-even months on closing costs, plus whether a longer loan term costs more in total interest.
- Self-Employment Tax CalculatorQuarterly estimated tax for freelancers and 1099 income.
- RAP vs. IBR vs. Standard CalculatorCompare federal student loan repayment plans: payment, years to forgiveness, total cost.
- FAFSA SAI CalculatorEstimate your Student Aid Index and Pell Grant for the 2027-28 FAFSA from the Department of Education's own formula.
- Student Loan Limits CalculatorHow much federal loan you can borrow now that Grad PLUS has ended, the gap that leaves, and what repayment costs.
- RMD CalculatorThis year's required IRA distribution, using the IRS Uniform Lifetime Table, plus a 10-year projection.
- Social Security CalculatorMonthly benefit at every claiming age 62-70, and the break-even age between two ages.
- Social Security Spousal & Survivor CalculatorA spouse's top-up on their own benefit, and a widow or widower's benefit from 60 to full retirement age, including the 82.5% limit.
- Taxable Social Security CalculatorHow much of your benefits are taxable (0%, 50% or 85%), your 2026 federal tax, and the real cost of your next $1,000 of income.
- Home Affordability CalculatorHow much house your income, debts, and down payment support, at three lender debt-to-income tiers.
- 401(k) & IRA Early Withdrawal Penalty CalculatorOrdinary income tax plus the 10% additional tax on an early withdrawal, and which IRS exceptions apply to your account type.
- Inherited IRA RMD CalculatorWhich rule applies to an IRA you inherited (10-year, 5-year or life expectancy) and the required distribution each year.
- Roth & Traditional IRA Limit CalculatorHow much you can put in a Roth or traditional IRA for 2026 and how much of it is deductible, from your income and workplace plan.
- Home Sale Capital Gains Tax CalculatorThe tax when you sell your main home: the $250,000 / $500,000 exclusion, partial exclusions, rental use, the 0/15/20% rates and the 3.8% investment income tax.
- Capital Gains and Loss Carryover CalculatorNet stock gains and losses like Schedule D: the $3,000 deduction, the loss carried to next year, tax on a net gain, the 3.8% tax and your room at the 0% rate.
- 72(t) SEPP CalculatorSubstantially equal periodic payments from an IRA before 59½: the yearly amount under all three IRS methods, the date the series can end, and a year-by-year projection.
- Savings Projection CalculatorProject your savings month by month from take-home pay and spending, with interest, one-off events, a savings goal date and optional investing.
- Salary Percentile CalculatorWhere your pay ranks among US workers by age, sex and education, and what the 75th, 90th, 95th and 99th percentile earn (Census data for 2025 earnings).
- Medicare IRMAA CalculatorYour 2026 Medicare Part B and Part D income surcharge, the dollars left before the next income line, and what one dollar over it costs.
- Retirement Withdrawal CalculatorWould your spending have lasted? Replay your retirement through every start year since 1928 with the real returns and inflation of US stocks and bonds.
- Roth IRA Withdrawal CalculatorWhat a Roth IRA withdrawal costs: which dollars come out first, whether it is qualified, the tax on earnings and the 10% tax on recent conversions.
- Standard vs. Itemized Deduction CalculatorItemize or take the standard deduction in 2026? Both routes with the new $40,400 SALT cap, the 0.5% gift floor and the $1,000 / $2,000 non-itemizer gift deduction.
- QCD CalculatorGive to charity from your IRA at 70½ or older? A qualified charitable distribution against a check: federal tax, taxable Social Security, the senior deduction and Medicare surcharges.
- ACA Subsidy CalculatorYour Marketplace premium tax credit for 2026 or 2027, the household income where it stops (400% of the poverty line) and what you would owe back if your income runs higher than you told the Marketplace.
- Backdoor Roth Pro-Rata CalculatorHow much of a Roth conversion is taxable when you hold pre-tax money in a traditional, SEP or SIMPLE IRA: Form 8606 line by line, the basis carried forward, and the effect of moving the pre-tax money into a 401(k).
- Social Security Earnings Test CalculatorHow much Social Security is withheld if you work before full retirement age, which months it comes out of, and what you get back at full retirement age. 2026 and 2027 limits.
- Medicare Late Enrollment Penalty CalculatorYour Medicare Part B penalty (10% for each full 12 months) and Part D penalty (1% for each uncovered month) from your dates, with the employer-coverage window, Extra Help, and the sign-up month where each step starts.
- HSA Contribution Limit CalculatorYour HSA limit for 2026 or 2027 from the months you were covered, with the last-month rule and testing period, Medicare's 6-month look-back, the age-55 catch-up, employer money and spouses.
- 401(k) Contribution Limit CalculatorYour 2026 401(k) limit with the age 50 and 60-63 catch-ups, whether the catch-up has to be Roth, what each remaining paycheck must carry, and the room under the $72,000 annual additions limit.
From our guides
See all guides- PSLF in 2026: On a $60,000 Loan, RAP Forgives the Same $54,000 at Any Income Up to $60,000, Costs $6,000 to $30,000 to Get There, and Forgives Nothing Above $90,839Under RAP, a payment below the interest does not grow the loan and the $50 principal match takes $6,000 off in 120 payments, so a $60,000 loan has $54,000 forgiven by PSLF at $30,000, $45,000 or $60,000 of income while the 120 payments cost $6,000, $18,000 or $30,000. Past $90,839 of income RAP pays the loan off before payment 120 and PSLF forgives nothing (IBR: $105,695).
- Self-Employed Health Insurance Deduction in 2026: $12,000 of Premiums Saves a Single Filer $1,152 to $2,112, Not $1,440 to $2,640, and Needs $12,913 of Profit to Be Deducted in FullThe deduction lowers income tax but not self-employment tax, and it also lowers the 20% QBI deduction, so each dollar of premiums takes only 80 cents off taxable income: $12,000 saves a single filer $1,152 at the 12% bracket and $2,112 at 22%. It is limited to profit less half the self-employment tax, so full deduction needs $12,913 of profit, or $16,141 with a SEP-IRA at the maximum.
- Capital Loss Carryover in 2026: The $3,000 Deduction Saves a Single Filer $0 to $1,110, and Income Up to $16,100 Uses None of It, While a $20,000 Carryover Saves $0 to $4,760 Against a GainA net capital loss comes off other income up to $3,000 a year, and what that is worth depends on your bracket: $300 at 10% to $1,110 at 37% for a single filer. If income does not cover the $16,100 standard deduction the whole loss carries over, and a $20,000 carryover saves between $0 and $4,760 depending on where a gain would be taxed.
- Roth Catch-Up in 2026: The $150,000 Test Uses Last Year's Box 3, Which Includes Your 401(k) Deferrals, So a Box 1 of $119,001 Can Be Over the LineSince 2026, a 401(k) catch-up has to be Roth if your wages from the plan's employer the year before were more than $150,000, and the test is on box 3 of the W-2, not box 1. Pre-tax deferrals are in box 3, so someone who put in the 2025 age-50 maximum of $31,000 is over the line at a box 1 of $119,001. Only the catch-up has to be Roth, and for a single filer it gives up a deduction worth $1,920 (age 50 to 59, $160,000 of wages) up to $3,938 (age 60 to 63, $350,000) of 2026 federal income tax. Worked from 26 CFR 1.414(v)-2, IRS Notice 2025-67 and the 2026 brackets.