Our calculators run the same formulas lenders, payroll systems and tax agencies use. Each one is built from official publications, tested against the published worked examples, and re-checked automatically every day for changes to rates and thresholds.
What our results assume
- Salary after tax: a full-year resident with employment income only, taking the standard deduction or personal allowance, with no dependants or other credits. US figures are annual tax liability (not paycheck withholding). Canadian figures follow the CRA T4127 payroll method. Some local and city taxes are not included unless you enter a rate.
- Mortgages and loans: standard monthly amortisation. Property tax uses state averages unless you enter your own rate.
- Fees: each platform’s standard published domestic rate. Discounted, international and currency-conversion rates are not included.
Results are estimates for information only and are not financial, tax or legal advice.
Sources and tax years
Salary After Tax Calculator
- United States (2026, checked 2026-10-14): IRS Rev. Proc. 2025-32 – 2026 tax brackets and standard deduction; SSA – 2026 contribution and benefit base ($184,500); Tax Foundation – 2026 State Individual Income Tax Rates and Brackets; EY – 2026 state disability, paid family and medical leave and long-term care rates; NYC Department of Finance – resident income tax rates
- United Kingdom (2026-27, checked 2026-10-14): GOV.UK – Income Tax rates and Personal Allowances (2026 to 2027); GOV.UK – Scottish Income Tax 2026 to 2027; HMRC – Rates and thresholds for employers 2026 to 2027 (NI, student loans)
- Canada (2026, checked 2026-10-14): CRA – Tax rates and income brackets for 2026 (federal and provincial/territorial); CRA – T4127 Payroll Deductions Formulas, January 2026 (BPAs, CPP/QPP, EI, QPIP, Ontario surtax & health premium, BC reduction); TaxTips.ca – 2026 Quebec and Ontario personal amounts (cross-check)
- Australia (2026-27, checked 2026-10-14): ATO – Tax rates for Australian residents 2026–27; ATO – Study and training loan minimum repayment income and rates 2026–27; ATO – Medicare levy reduction for low-income earners (latest published thresholds, 2025–26); ATO – Low income tax offset; ATO – Super guarantee percentage (12%)
Self-Employed & Freelance Tax Calculator
- United States (2026, checked 2026-10-14): IRS – Self-employment tax (Social Security and Medicare taxes); IRS Rev. Proc. 2025-32 §3.26 – 2026 §199A (QBI) thresholds; IRS Rev. Proc. 2025-32 – 2026 tax brackets and standard deduction; SSA – 2026 contribution and benefit base ($184,500); Tax Foundation – 2026 State Individual Income Tax Rates and Brackets; EY – 2026 state disability, paid family and medical leave and long-term care rates; NYC Department of Finance – resident income tax rates
- United Kingdom (2026-27, checked 2026-10-14): GOV.UK – Self-employed National Insurance rates (2026 to 2027); GOV.UK – Tax-free allowances on property and trading income (£1,000 trading allowance); GOV.UK – Income Tax rates and Personal Allowances (2026 to 2027); GOV.UK – Scottish Income Tax 2026 to 2027; HMRC – Rates and thresholds for employers 2026 to 2027 (NI, student loans)
- Canada (2026, checked 2026-10-14): CRA – CPP contribution rates, maximums and exemptions (self-employed pay both shares); Québec economic update (PwC summary) – 2026 QPIP rates: self-employed 0.764%; CRA – Tax rates and income brackets for 2026 (federal and provincial/territorial); CRA – T4127 Payroll Deductions Formulas, January 2026 (BPAs, CPP/QPP, EI, QPIP, Ontario surtax & health premium, BC reduction); TaxTips.ca – 2026 Quebec and Ontario personal amounts (cross-check)
- Australia (2026-27, checked 2026-10-14): ATO – Small business income tax offset (16%, max $1,000); ATO – Registering for GST ($75,000 turnover threshold); ATO – Tax rates for Australian residents 2026–27; ATO – Study and training loan minimum repayment income and rates 2026–27; ATO – Medicare levy reduction for low-income earners (latest published thresholds, 2025–26); ATO – Low income tax offset; ATO – Super guarantee percentage (12%)
401(k) Calculator
- United States (2026, checked 2026-10-14): IRS – 401(k) limit increases to $24,500 for 2026, IRA limit increases to $7,500; IRS Notice 2025-67 – 2026 retirement plan limits; IRS Rev. Proc. 2025-32 – 2026 tax brackets and standard deduction; SSA – 2026 contribution and benefit base ($184,500); Tax Foundation – 2026 State Individual Income Tax Rates and Brackets; EY – 2026 state disability, paid family and medical leave and long-term care rates; NYC Department of Finance – resident income tax rates
Pension Calculator
- United Kingdom (2026-27, checked 2026-10-14): GOV.UK – Pension schemes rates (annual allowance £60,000, lump sum allowance £268,275); GOV.UK – Tax on your private pension contributions (tax relief); GOV.UK – Income Tax rates and Personal Allowances (2026 to 2027); GOV.UK – Scottish Income Tax 2026 to 2027; HMRC – Rates and thresholds for employers 2026 to 2027 (NI, student loans)
RRSP Calculator
- Canada (2026, checked 2026-10-14): CRA – MP, DB, RRSP, DPSP, ALDA, TFSA limits (2026 RRSP dollar limit $33,810); CRA – Tax rates and income brackets for 2026 (federal and provincial/territorial); CRA – T4127 Payroll Deductions Formulas, January 2026 (BPAs, CPP/QPP, EI, QPIP, Ontario surtax & health premium, BC reduction); TaxTips.ca – 2026 Quebec and Ontario personal amounts (cross-check)
Superannuation Calculator
- Australia (2026-27, checked 2026-10-14): ATO – Contributions caps (concessional $32,500 from 1 July 2026); ATO – Super guarantee percentage (12%); ATO – Tax rates for Australian residents 2026–27; ATO – Study and training loan minimum repayment income and rates 2026–27; ATO – Medicare levy reduction for low-income earners (latest published thresholds, 2025–26); ATO – Low income tax offset; ATO – Super guarantee percentage (12%)
Roth IRA Calculator
- United States (2026, checked 2026-10-14): IRS – 2026 IRA limit $7,500, catch-up $1,100, Roth IRA income ranges
ISA Calculator
- United Kingdom (2026-27, checked 2026-10-14): GOV.UK – Individual Savings Accounts: £20,000 allowance 2026 to 2027; GOV.UK – Lifetime ISA: £4,000 a year, 25% government bonus
TFSA Calculator
- Canada (2026, checked 2026-10-14): CRA – TFSA contribution room and annual dollar limits; Advisor.ca – TFSA dollar limit holds at $7,000 for 2026
Mortgage Calculator
- United States (2026, checked 2026-10-14): Tax Foundation – effective property tax rate on owner-occupied housing, by state (2026 state pages); Freddie Mac Primary Mortgage Market Survey (default rate)
- United Kingdom (2026-27, checked 2026-10-14): GOV.UK – Stamp Duty Land Tax residential rates (from 1 April 2025); Revenue Scotland – LBTT residential rates; Welsh Government – Land Transaction Tax rates and bands; Bank of England – Bank Rate
- Canada (2026, checked 2026-10-14): CMHC – Mortgage loan insurance premiums (homeowner); Bank of Canada – policy interest rate
- Australia (2026-27, checked 2026-10-14): Reserve Bank of Australia – cash rate target
House Affordability Calculator
- United States (2026, checked 2026-10-14): Fannie Mae Selling Guide B3-6-02 – debt-to-income ratios (36% standard)
- United Kingdom (2026-27, checked 2026-10-14): Bank of England Financial Policy Committee – loan-to-income flow limit (4.5x)
- Canada (2026, checked 2026-10-14): OSFI Guideline B-20 – minimum qualifying rate; CMHC – GDS 39% / TDS 44% debt service limits
- Australia (2026-27, checked 2026-10-14): APRA – 3 percentage point serviceability buffer
Loan Calculator
- United States (2026, checked ): Standard amortisation formula (CFPB Regulation Z, Appendix J annuity method)
- United Kingdom (2026, checked ): Standard amortisation formula (CFPB Regulation Z, Appendix J annuity method)
- Canada (2026, checked ): Standard amortisation formula (CFPB Regulation Z, Appendix J annuity method)
- Australia (2026, checked ): Standard amortisation formula (CFPB Regulation Z, Appendix J annuity method)
Car Loan Calculator
- United States (2026, checked 2026-10-14): Standard amortisation formula (CFPB Regulation Z, Appendix J annuity method)
- United Kingdom (2026, checked 2026-10-14): Standard amortisation formula (CFPB Regulation Z, Appendix J annuity method)
- Canada (2026, checked 2026-10-14): Standard amortisation formula (CFPB Regulation Z, Appendix J annuity method)
- Australia (2026, checked 2026-10-14): Standard amortisation formula (CFPB Regulation Z, Appendix J annuity method)
Truck Loan Calculator
- United States (2026, checked 2026-10-14): Standard amortisation formula with a balloon (future value) term; IRS: Form 2290 heavy highway vehicle use tax; IRS: federal excise tax on heavy trucks and trailers (Form 720, IRC 4051)
- United Kingdom (2026, checked 2026-10-14): Standard amortisation formula with a balloon (future value) term; GOV.UK: Goods vehicle operator licensing guide (financial standing)
- Canada (2026, checked 2026-10-14): Standard amortisation formula with a balloon (future value) term; Ontario: Get a truck driver’s licence
- Australia (2026, checked 2026-10-14): Standard amortisation formula with a balloon (future value) term; ATO: GST and motor vehicles / chattel mortgage GST credits
Credit Card Payoff Calculator
- United States (2026, checked 2026-10-14): Standard monthly interest method (APR ÷ 12 on the outstanding balance)
- United Kingdom (2026, checked 2026-10-14): Standard monthly interest method (APR ÷ 12 on the outstanding balance)
- Canada (2026, checked 2026-10-14): Standard monthly interest method (APR ÷ 12 on the outstanding balance)
- Australia (2026, checked 2026-10-14): Standard monthly interest method (APR ÷ 12 on the outstanding balance)
Compound Interest Calculator
- United States (2026, checked 2026-10-14): US Federal Reserve – 2% inflation target
- United Kingdom (2026, checked 2026-10-14): Bank of England – 2% inflation target
- Canada (2026, checked 2026-10-14): Bank of Canada – 2% inflation-control target
- Australia (2026, checked 2026-10-14): RBA – 2–3% inflation target
Payment Fee Calculator
- All countries (2026, checked 2026-10-14): Stripe pricing (US, UK, CA, AU); PayPal merchant fees (US, UK, CA, AU); Etsy Payments policy & Fee Basics; eBay selling fees (US); Shopify pricing (US, UK, CA, AU)