About PayCalcHub
Free, accurate financial calculators for US workers — built on transparent methodology, updated annually, and designed to give you real answers without the noise.
Why I built this: Understanding your take-home pay, what a mortgage will actually cost you, or how your income compares across states shouldn't require a finance degree or an accountant. PayCalcHub exists to give workers, job-seekers, and homebuyers the numbers they actually need — instantly, accurately, and for free.
Accuracy First
All calculators are updated annually with the latest federal and state tax rates, IRS brackets, FICA rates, and standard deduction amounts. We document our methodology so you can verify every calculation.
Always Free
No paywalls, no registration required, no hidden fees. Every calculator, every guide, and every data table on PayCalcHub is free to use. We believe financial information should be a public good.
Transparent Methodology
We explain how each estimate is calculated, what assumptions are used, and where our data comes from. We never hide uncertainty — when estimates are approximate, we say so clearly.
Regularly Updated
Tax laws change. Minimum wages change. Mortgage rates change. We review and update all calculators at the start of each calendar year, and update critical data (like mortgage rates) throughout the year.
Who Built This
PayCalcHub was built by one person who got tired of financial calculators that were either buried in ads, required sign-ups, or gave vague estimates without explaining the math. I built the tools I wished existed — ones that show the full breakdown, cite their sources, and work on any device without friction.
I research and verify all tax data against official IRS publications, state Department of Revenue bulletins, and BLS data. Every calculator is updated at the start of each year. When I'm not sure about something, I say so — estimates are labeled as estimates, and methodology is always documented.
PayCalcHub is an independent project. There's no VC backing, no team of content writers, no sales funnel. Just calculators that work and guides that tell you what you actually need to know.
Our Calculators
PayCalcHub offers a suite of financial calculators designed for everyday American workers and homebuyers. Each tool is built for clarity and real-world accuracy.
Salary Calculator
Calculates take-home pay for all 50 US states plus DC, Canada, the UK, and Australia. Covers federal tax, state tax, FICA, and common deduction scenarios.
Mortgage Calculator
Full PITI mortgage calculator with amortization schedule, PMI estimates, and affordability modeling. Supports 10, 15, and 30-year terms.
Loan Calculator
Monthly payment and total interest for auto loans, personal loans, and other fixed-rate installment loans. Includes an amortization breakdown.
Hourly to Salary
Converts any hourly wage to annual, monthly, and bi-weekly equivalents — with after-tax estimates, overtime calculations, and part-time scenarios.
Our Methodology
Federal Income Tax Calculations
PayCalcHub uses the official IRS tax brackets and standard deduction amounts for the current tax year. For 2026, the standard deduction is $15,000 for single filers and $30,000 for married filing jointly. Federal income tax is calculated by applying the applicable marginal rates to taxable income (gross income minus the standard deduction).
We use the following 2026 federal income tax brackets for single filers:
| 10% | $0 – $11,925 |
| 12% | $11,926 – $48,475 |
| 22% | $48,476 – $103,350 |
| 24% | $103,351 – $197,300 |
| 32% | $197,301 – $250,525 |
| 35% | $250,526 – $626,350 |
| 37% | Over $626,350 |
FICA Taxes
All wage earners pay FICA taxes: Social Security at 6.2% (on wages up to $184,500 in 2026) and Medicare at 1.45% (no wage cap), for a combined employee rate of 7.65%. Self-employed individuals pay the full 15.3% rate. An additional 0.9% Medicare surtax applies to wages over $200,000 (single filers).
State Income Tax Estimates
State income tax estimates are based on each state's published 2026 tax rates and brackets. For states with graduated rates, we apply the actual bracket structure. For states with flat rates, we apply the rate to all taxable income. State standard deductions vary significantly and are incorporated where applicable.
Important caveats: local income taxes (such as NYC's city tax or Philadelphia's wage tax), state-specific credits, and non-standard deductions are not included in our standard estimates. Our estimates are intended as a reasonable approximation — not a substitute for tax preparation software or a certified tax professional.
Mortgage Calculations
Monthly mortgage payments are calculated using the standard amortization formula: M = P[r(1+r)^n]/[(1+r)^n-1], where P is the loan principal, r is the monthly interest rate (annual rate ÷ 12), and n is the number of payments. Property tax and insurance estimates are based on national averages and clearly labeled as estimates.
Data Sources
- Federal tax brackets and standard deductions: IRS Publication 15-T
- State income tax rates: Individual state Department of Revenue publications
- FICA rates and Social Security wage base: Social Security Administration
- State minimum wages: US Department of Labor Wage and Hour Division
- Conforming loan limits: Federal Housing Finance Agency (FHFA)
- Median household income data: US Census Bureau American Community Survey
- Median wage data: Bureau of Labor Statistics Occupational Employment and Wage Statistics