Cited to IRS · Fed · Treasury · SSA · BLS

330+ Free Calculators.
One Picture Of Your Money.

The only site that reads your calculator results together — see your mortgage, debt, paycheck, and retirement as one AI-synthesized Financial Picture.

See how it works →Browse all calculators →

No signup · Free forever · Calculations run in your browser. AI analysis is optional.

Powered by live data from the Federal Reserve, IRS, and U.S. Treasury.

PAYCHECK

Take-home pay, federal + state withholding, the real number after deductions.

SALARY

State-by-state salary data, profession comparisons, cost-of-living adjustments.

TAXES

2026 federal + state brackets, deductions, self-employment tax, capital gains.

MORTGAGE DEBT HOME COSTS

INVESTING RETIREMENT NET WORTH

Or browse by your situation

I AM A

HOME BUYER TAX FILER DEBT PAYER RETIREMENT PLANNER GIG / 1099 NEW PARENT SMALL BIZ / LLC ITIN / NEWCOMER

Pick the path that fits — every money decision in your situation, with the math shown.

The State Index · primary-source data

Where does your state actually stand?

50 states ranked across six dimensions of money. Sourced from the BLS, BEA, Census, Freddie Mac, HUD, and the Tax Foundation. Click any tile to open the live rankings.

Salary
Highest- vs lowest-earning states
#1: District of Columbia$88,000
#50: Mississippi$39,070
Open rankings
Tax burden
Where state + local taxes hit hardest
#1: Oregon22.84%
#50: Wyoming13.84%
Open rankings
Cost of living
Cheapest and most expensive states
#1: California110.7
#50: Arkansas86.9
Open rankings
Mortgage rate
30-year fixed by state
#1: Alabama6.23%
#50: Wyoming6.23%
Open rankings
Rent
Where rent eats the most income
#1: California$2,104
#50: West Virginia$883
Open rankings
Affordability
Most and least affordable to buy
#1: Hawaii8.74
#50: West Virginia3.12
Open rankings
See the full State Index hub →

Sourced to U.S. federal data

Frequently asked questions

  • Is everything really free, forever?
    Yes — 100% free, forever. No signup, no paywalls, no email wall. Optional ads fund us, never you.
  • How accurate are the results?
    Every formula cites an IRS, Fed, Treasury, SSA, or BLS source inline. Results are educational — for personalized advice, consult a licensed advisor.
  • What if the number is wrong and I file based on it?
    Every calculator shows the exact source (IRS publication, regulation, or BLS table) so you can verify before filing. CalcFi is a decision-support tool, not tax-prep software — cross-check with your CPA, TurboTax, or the IRS for legal filings.
  • Can I get my results by email?
    Yes. Every calculator offers a free PDF with your results, charts, and next steps — delivered to your inbox in under a minute.
  • Do you store my financial data?
    No. Calculations run in your browser. Inputs are never sent to our servers. "Save for next year" snapshots are stored locally in your browser only.
  • How many calculators does CalcFi have?
    337 — spanning mortgage, tax, retirement, debt, investing, insurance, career, and more. See the full index at /calculators.
  • Are there calculators in Spanish?
    Yes — 96+ calculators are available in Spanish at calcfi.app/es.
  • How often is the tax data updated?
    Tax brackets, FICA limits, and IRS thresholds are refreshed every tax year. All 50 state pages and every federal calculator currently reflect the 2026 tax year.