Money & Taxes
Calculate take-home pay, taxes, and financial obligations. Comprehensive calculators for salary, self-employment tax, capital gains, sales tax, and VAT.
Our money and tax calculators help you understand your take-home pay, estimate taxes, and plan your finances. Each tool provides detailed breakdowns and helps you make informed financial decisions. You might also find our Compare IRA types for tax optimization, Compare taxable vs tax-advantaged accounts, Plan retirement withdrawals, Account for inflation in savings, Calculate mortgage payments, Create a monthly budget plan, Time and date tools and Plan savings goal contributions helpful for related calculations.
Money & Taxes Guide
Last updated: February 16, 2026
Last updated: February 16, 2026
What you can do in Money & Taxes
- •Convert your gross salary to actual take-home pay after federal, state, and local taxes
- •Estimate quarterly tax payments when you're self-employed or have 1099 income
- •Calculate capital gains taxes on stock sales, crypto, or real estate—short-term vs. long-term
- •Figure out sales tax or VAT amounts for purchases in different states or countries
- •Compare how filing status (single, married, head of household) affects your tax bill
- •See how HSA or FSA contributions reduce your taxable income
- •Estimate property tax based on assessed home value and local mill rates
- •Understand the difference between your marginal and effective tax rates
Accuracy, assumptions, and sources
- •Tax rates are based on current IRS brackets and state tax tables—results are estimates, not exact amounts.
- •Calculators assume standard deductions unless you enter itemized amounts.
- •Self-employment calculations include the 15.3% SE tax (Social Security + Medicare).
- •Capital gains rates depend on holding period and total income—we show both scenarios.
- •State tax calculations use published rates; local taxes may vary by city or county.
- •All results should be verified with a tax professional before filing.
Pick the right calculator fast
- If you want to know your actual paycheck amount→Salary / Take-Home Calculator
- If you freelance or have 1099 income→Self-Employed / 1099 Tax Calculator
- If you sold stocks, crypto, or property→Capital Gains Tax Calculator
- If you need to add sales tax or VAT to a purchase→Sales Tax / VAT Estimator
- If you're unsure which tax bracket you fall into→Tax Bracket Finder
- If you want to compare single vs. married filing→Tax Filing Status Comparison
- If you're choosing between traditional and Roth 401k/IRA→Traditional vs Roth 401k/IRA Impact
- If you have kids and want to estimate tax credits→Child & Dependent Tax Credit Estimator
Common mistakes to avoid
- •Confusing tax withholding (what's taken from your paycheck) with actual tax owed at year-end.
- •Forgetting to include self-employment tax when estimating 1099 income taxes.
- •Mixing up short-term gains (taxed as ordinary income) with long-term gains (lower rates).
- •Ignoring state and local taxes when calculating take-home pay.
- •Assuming your entire income is taxed at your highest bracket (only the portion above each threshold is).
- •Overlooking above-the-line deductions like HSA contributions or student loan interest.
- •Using last year's tax brackets—rates and thresholds change annually.
- •Forgetting that sales tax rates differ by state, county, and sometimes city.
Editorial policy
- ✓All calculators provide educational estimates, not professional financial, tax, or legal advice.
- ✓Results depend on the assumptions you enter—double-check your inputs.
- ✓We don't sell or share personal data. Calculations run in your browser.
- ✓Formulas and key assumptions are disclosed in each tool.
- ✓Found an error? Email us at hello@everydaybudd.com and we'll fix it.
- ✓Tools are updated when tax laws, rates, or formulas change.
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Frequently Asked Questions
How accurate are the salary and tax calculators?
Our calculators use current 2025 federal and state tax brackets, FICA rates, and standard deductions. They provide accurate estimates for take-home pay calculations. For complex tax situations with multiple deductions or credits, consult a tax professional.
Which states are included in the salary calculator?
All 50 US states are included with their specific income tax rates and brackets. We also support local income taxes for major cities like NYC, Philadelphia, San Francisco, and various Ohio cities.
What is the difference between W-2 and 1099 tax calculations?
W-2 employees have taxes withheld by employers and pay FICA taxes (7.65%). 1099 contractors pay self-employment tax (15.3%) covering both employee and employer portions of FICA, plus they can deduct business expenses.
How do I calculate capital gains tax on investments?
Use our Capital Gains Tax Calculator. Short-term gains (held <1 year) are taxed as ordinary income. Long-term gains (held >1 year) are taxed at 0%, 15%, or 20% depending on income, plus potential 3.8% Net Investment Income Tax.
What deductions can reduce my taxable income?
Common pre-tax deductions include 401(k) contributions (up to $23,000 in 2025), HSA contributions, FSA contributions, traditional IRA, student loan interest, and health insurance premiums for self-employed individuals.