Free online calculators for money, math, health and everyday life

Use the fast calculator below for quick math, or pick from 116 calculators using current IRS, SSA, BLS and EIA figures. Everything runs in your browser. Nothing you enter is sent anywhere.

0

US Tax Calculators

5 tools

Federal Income Tax Calculator 2026

Federal income tax calculator for 2026: estimate your IRS tax, effective rate and marginal bracket using the new standard deduction.

Sales Tax Calculator

Sales tax calculator: add state and local sales tax to a price, or back the tax out of a receipt total.

Where Do My Tax Dollars Go Calculator

Where do my tax dollars go: split the federal tax you paid across Social Security, Medicare, defense, interest and more.

Capital Gains Tax Calculator

Capital gains tax calculator for 2026: estimate federal tax on a stock, home or asset sale, short or long term.

Self-Employment Tax Calculator

Self employment tax calculator: estimate 2026 Social Security and Medicare tax on freelance or 1099 income, plus the deduction.

Paycheck and Salary Calculators

7 tools

Paycheck Calculator

Paycheck calculator: estimate take-home pay after federal income tax, Social Security, Medicare, 401(k) and state tax.

Hourly to Salary Calculator

Hourly to salary calculator: convert an hourly wage to annual, monthly, biweekly and weekly pay before taxes.

Overtime Pay Calculator

Overtime pay calculator: weekly gross pay with time-and-a-half or double time for hours over 40 under the FLSA.

Hourly Paycheck Calculator

Hourly paycheck calculator: estimate take-home pay from an hourly wage after federal tax, Social Security, Medicare and state tax.

Illinois Paycheck Calculator

Illinois paycheck calculator: estimate take-home pay after federal tax, FICA and Illinois's 4.95% flat state income tax.

Pay Raise Calculator

Pay raise calculator: enter your salary and raise percent to see the new salary, the increase and hourly pay before taxes.

Time and a Half Calculator

Time and a half calculator: work out overtime pay at 1.5x or 2x your hourly rate and your total gross pay for the week, step by step.

Mortgage and Home Calculators

13 tools

Mortgage Calculator with PITI

Mortgage calculator with taxes and insurance: monthly PITI payment including property tax, homeowners insurance, PMI and HOA.

How Much House Can I Afford Calculator

How much house can I afford: maximum home price from your income, debts and down payment using the 28/36 lender rule.

Property Tax Calculator

Property tax calculator: annual and monthly property tax from home value, assessment ratio, exemptions and local rate.

Rent vs Buy Calculator

Rent vs buy calculator: compare the true cost of buying a home with renting over the years you plan to stay.

Cubic Yard Calculator

Cubic yard calculator: convert length, width and depth into cubic yards of soil, gravel, mulch or concrete, with a waste allowance.

Board Foot Calculator

Board foot calculator: work out lumber volume from thickness, width and length, and total cost at your price per board foot.

Cap Rate Calculator

Cap rate calculator: divide net operating income by property price to compare rental properties on yield, with NOI shown.

Down Payment Calculator

Down payment calculator: see the cash needed up front, the loan amount and the monthly principal and interest payment on your mortgage.

HELOC Calculator

HELOC calculator: see how much home equity you can borrow and the interest-only and repayment-period payments.

VA Loan Calculator

VA loan calculator: estimate your monthly payment with the VA funding fee, down payment and rate for a US home purchase.

Gravel Calculator

Gravel calculator: find the cubic yards and tons of gravel, crushed stone or sand a driveway or path needs.

Mulch Calculator

Mulch calculator: find cubic yards and 2 cubic foot bags of mulch for a garden bed from its size and depth.

Refinance Calculator

Refinance calculator: compare your current mortgage to a new rate and term, see monthly savings and the break-even month.

Gas, Fuel and Car Calculators

5 tools

Gas Cost Calculator

Gas cost calculator: estimate the fuel cost of any US road trip from miles, your car's MPG and the price per gallon.

Fuel Savings Calculator

Fuel savings calculator: how much you save on gas per year by switching to a car with better MPG.

EV vs Gas Cost Calculator

EV vs gas cost calculator: compare yearly fuel costs of an electric car and a gas car using your electricity rate and gas price.

Auto Loan Calculator

Auto loan calculator: monthly car payment with sales tax, fees, trade-in and down payment, plus total interest.

Tire Size Calculator

Tire size calculator: compare two tire sizes for diameter, sidewall height and speedometer error.

Electricity and Energy Calculators

2 tools

Electricity Cost Calculator

Electricity cost calculator: what an appliance costs to run per day, month and year from its watts and your rate per kWh.

Voltage Drop Calculator

Voltage drop calculator: find the volts lost and percent drop on a copper or aluminum wire run by length, size and amps.

Personal Finance Calculators

30 tools

Credit Card Payoff Calculator

Credit card payoff calculator: how many months to pay off a balance and the total interest at your APR and monthly payment.

401(k) Calculator

401(k) calculator: project your retirement balance with salary contributions, employer match and investment growth.

403(b) Calculator

403(b) calculator: project the retirement balance of a teacher, nonprofit or hospital worker from contributions, employer match and growth.

How Long Will My Money Last Calculator

How long will my money last in retirement? Enter savings, monthly withdrawals, returns and inflation to see the age your money runs out.

Social Security Break-Even Calculator

Social Security break-even calculator: compare claiming at 62, 67 or 70 and find the age when waiting pays off.

Inflation Calculator

Inflation calculator: compare past dollars with the latest available annual CPI-U data from the Bureau of Labor Statistics.

RMD calculator for 2026: estimate your required minimum distribution from a traditional IRA or 401(k) using the IRS Uniform Lifetime Table.

Roth IRA Calculator

Roth IRA calculator for 2026: project your tax-free retirement balance from contributions, growth rate and years invested.

QQQI Dividend Calculator

QQQI dividend calculator: estimate monthly and annual income from the NEOS Nasdaq-100 High Income ETF based on shares and distribution rate.

Loan Payment Calculator

Loan payment calculator: find the monthly payment, total interest and total cost of any fixed-rate personal or business loan.

Compound Interest Calculator

Compound interest calculator: see how savings or investments grow with monthly, quarterly or daily compounding over time.

Simple Interest Calculator

Simple interest calculator: interest on a principal amount at a fixed annual rate, with no compounding.

Savings Goal Calculator

Savings goal calculator: the monthly deposit you need to reach a target such as an emergency fund or down payment.

Discount Calculator

Discount calculator: final sale price and savings after a percent-off discount, with optional sales tax.

Tip calculator: work out the tip and split the bill per person at 15%, 18%, 20% or any custom percentage.

ROI calculator: return on investment as a percentage, plus the annualized return over a holding period.

XIRR Calculator

XIRR calculator: find the annualized return of up to three cash flows made on different dates, solved by Newton's method.

Ramsey Investment Calculator

Ramsey investment calculator: project retirement savings growth using the 12% average annual return rule of thumb popularized by Dave Ramsey.

Savings Bond Calculator

Savings bond calculator: estimate the current value of an EE or I bond from its purchase price, interest rate and years held.

CD calculator: see how much a certificate of deposit earns at your rate and term, with the APY, interest earned and ending balance.

Dividend Calculator

Dividend calculator: turn shares and dividend per share into annual, quarterly and monthly income, plus dividend yield and position value.

Markup Calculator

Markup calculator: set a selling price from cost and markup percent, and see profit and gross margin side by side to avoid underpricing.

APR calculator: find the true annual percentage rate of a loan once fees are included, plus total interest and cost.

Loan Payoff Calculator

Loan payoff calculator: see how extra monthly payments shorten your payoff date and how much interest you save.

Options Profit Calculator

Options profit calculator: find profit, loss, break-even and return for a long call or put at expiration.

Amortization Calculator

Amortization calculator: see your monthly payment, total interest and payoff date, and how extra payments shorten the loan.

Retirement Calculator

Retirement calculator: project your savings at retirement age and the monthly income they could support using the 4% rule.

Debt-to-Income Ratio Calculator

Debt to income ratio calculator: divide monthly debt payments by gross income to see your DTI and how lenders may view it.

Student Loan Calculator

Student loan calculator: estimate your monthly payment, total interest and payoff time, and see how extra payments cut both.

Margin Calculator

Margin calculator: enter cost and selling price to get gross profit, gross margin percentage and the matching markup percentage.

Civic and Election Calculators

4 tools

Electoral College Calculator

Electoral College calculator: assign each state to a party and see who reaches 270 electoral votes under the 2024-2032 map.

AFT Score Calculator 2026

AFT score calculator for 2026: estimate your Army Fitness Test score and pass/fail status from your five-event raw results.

Army Height and Weight Calculator

Compare a rough weight estimate by height, age and sex; this Army height and weight calculator is not an official AR 600-9 lookup.

GS Pay Scale Calculator 2026

GS pay scale calculator for 2026: estimate your federal General Schedule base salary plus locality pay by grade, step and locality area.

Math Calculators

28 tools

Percentage Calculator

Percentage calculator: find X% of any number, or what percent one number is of another.

Percent Change Calculator

Percent change calculator: percentage increase or decrease between an old value and a new value.

Fraction Calculator

Fraction calculator: add, subtract, multiply or divide two fractions and get the answer in lowest terms.

Average Calculator

Average calculator: the mean, sum, minimum and maximum of up to five numbers.

Ten Key Calculator

Ten key calculator: an online adding machine with a printed tape, running total and item count. Type straight from your number pad.

Quadratic Equation Calculator

Quadratic equation calculator: solve ax² + bx + c = 0 for real or complex roots, with the discriminant.

Double Integral Calculator

Double integral calculator: numerically evaluate ∫∫ f(x,y) dx dy over a rectangular region using Simpson's rule for a fast volume estimate.

Net Ionic Equation Calculator

Net ionic equation calculator: pick a common aqueous reaction and see the full molecular equation, spectator ions and net ionic equation.

Combined Gas Law Calculator

Combined gas law calculator: solve for the final pressure, volume or temperature using P1V1/T1 = P2V2/T2.

Moment of Inertia Calculator

Moment of inertia calculator: find I for a cylinder, sphere, rod or point mass from its mass and radius or length.

Center of Mass Calculator

Center of mass calculator: find the balance point of up to three masses from their weights and x, y positions.

AP Chem Score Calculator

AP Chem score calculator: estimate your AP Chemistry 1-5 score from multiple-choice and free-response points.

AP Physics 2 Score Calculator

AP Physics 2 score calculator: estimate your 1-5 score from multiple-choice and free-response points.

LCM calculator: find the least common multiple of two or three numbers, plus their greatest common factor, for fractions and homework.

GCF calculator: find the greatest common factor (GCD) of two or three numbers and see their LCM, with the steps explained simply.

Pythagorean Theorem Calculator

Pythagorean theorem calculator: find the hypotenuse or a missing leg of a right triangle, plus its area and perimeter, step by step.

Standard Deviation Calculator

Standard deviation calculator: enter up to five values to get sample or population standard deviation, variance and the mean.

Percent Error Calculator

Percent error calculator: compare a measured value with the true value to get percent error and absolute error for labs.

Percent Difference Calculator

Percent difference calculator: compare two numbers against their average to see how far apart they are as a percentage, with the formula.

Square Root Calculator

Square root calculator: get the square root, cube root and square of any number, and check whether it is a perfect square, free and fast.

Circumference Calculator

Circumference calculator: find the circumference, diameter and area of a circle from its radius or its diameter, with the formulas shown.

Scientific Notation Calculator

Scientific notation calculator: convert any number to scientific, E and engineering notation with its exponent.

Median Calculator

Median calculator: find the middle value, plus the range and quartiles, of up to six numbers.

Proportion Calculator

Proportion calculator: solve a/b = c/x for the missing value and see the cross-multiplication step.

Midpoint Calculator

Midpoint calculator: find the point halfway between two coordinates and the distance between them.

Log calculator: find the logarithm of a number for any base, plus the common log and natural log.

Final Exam Grade Calculator

Final exam grade calculator: find the score you need on the final to reach the course grade you want.

GPA calculator: enter up to six courses with letter grades and credits to get your semester GPA and optional cumulative GPA.

Health and Fitness Calculators

13 tools

BMI calculator in pounds, feet and inches: body mass index and the CDC weight category for adults.

Calorie Calculator

Calorie calculator: daily calories to maintain your weight, from your BMR (Mifflin-St Jeor) and activity level.

Ideal Weight Calculator

Ideal weight calculator: ideal body weight in pounds from your height, using the Devine formula.

Water Intake Calculator

Water intake calculator: how many ounces of water to drink per day based on your weight and exercise.

Starbucks Nutrition Calculator

Starbucks nutrition calculator: estimate calories, sugar and caffeine for a drink by size, milk choice and syrup pumps.

Conception Date Calculator

Conception date calculator: estimate when conception likely happened from your due date or the first day of your last period.

Max Heart Rate Calculator

Max heart rate calculator: estimate your maximum heart rate by age and see target zones from 50 to 85 percent for exercise.

Macro Calculator

Macro calculator: daily calories, protein, carbs and fat in grams for weight loss, maintenance or muscle gain.

A1C calculator: convert A1C percent to estimated average glucose in mg/dL and mmol/L, or the reverse, with the range.

FFMI Calculator

FFMI calculator: find your fat-free mass index and normalized FFMI from weight, height and body fat percentage.

Dog Age Calculator

Dog age calculator: convert your dog's age to human years by size, with the AVMA method and the newer DNA-based formula.

TDEE Calculator

TDEE calculator: estimate the calories you burn per day from age, height, weight and activity, plus targets to lose or gain weight.

BMR calculator: find your basal metabolic rate, the calories your body burns at rest, using Mifflin-St Jeor and Harris-Benedict.

Unit Converters

9 tools

Length Converter

Length converter: convert inches, feet, yards and miles to and from millimeters, meters and kilometers.

Weight Converter

Weight converter: convert pounds, ounces and US tons to and from grams, kilograms and metric tons.

Temperature Converter

Temperature converter: convert Fahrenheit to Celsius, Celsius to Fahrenheit, and either to Kelvin.

Square Footage Calculator

Square footage calculator: find the area in square feet of a room from its length and width in feet or inches, for flooring, paint or rent.

F to C Calculator

F to C calculator: convert Fahrenheit to Celsius (and Kelvin) instantly, with the formula and a worked example.

mg to mL Calculator

mg to mL calculator: convert milligrams to milliliters using the density or concentration of the substance.

mL to mg Calculator

mL to mg calculator: convert milliliters to milligrams using the density or concentration of the substance.

Grams to Cups Converter

Grams to cups converter: convert grams of flour, sugar, butter and other ingredients to US cups, tablespoons and ounces.

Military Time Converter

Military time converter: change 24-hour time to 12-hour AM/PM and back, with the minutes since midnight and the spoken form.

Play math games

Free 2D games built on the calculators: balance a seesaw, heat a gas, beat a loan payment. All games

Frequently asked questions

Are ToCalculator's online calculators free?: Yes. ToCalculator offers 116 free online calculators for money, math, health and everyday questions.
Are the values I enter sent to a server?: No. Calculator inputs stay in your browser and are not sent anywhere.
What kinds of calculators are available?: You can find calculators for taxes, income, homes, cars, energy, finance, civics, math, health and unit conversions.