The Ultimate Calculator Hub
Professional-grade tools engineered with 2026 logic. Calculate exactly what you need for your business, taxes, and legal claims.
FiscalCalculators provides free, professionally-built financial calculators updated for 2026 tax law, SBA regulations, and current market rates. Every tool uses the same formulas lenders, accountants, and IRS agents apply — giving you numbers you can take into any meeting with confidence.
Finance & Real Estate
SBA 7(a) Loan Calculator
Calculate payments, view amortization, and get max interest rate caps based on the 2026 Prime Rate.
DSCR Real Estate Simulator
Test property cash flow against lender DSCR requirements to guarantee your next loan approval.
Equipment Lease vs. Buy
Determine the lowest after-tax cost for heavy equipment financing utilizing Section 179 and Corporate Tax deductions.
Fully Burdened Labor Cost
A $75k salary doesn't cost $75k. Calculate the true all-in cost of an employee and your break-even billable rate.
Mortgage Payoff Calculator
Calculate monthly payments, total interest, and amortization schedule. Model extra payments to pay off your mortgage years early.
NewHome Affordability Calculator
Find out exactly how much house you can afford based on income, debt, and down payment using the 28/36 lending rule.
NewHELOC Calculator
Calculate your home equity line of credit limit, draw-phase interest-only payments, and repayment-phase amortized payments.
NewRental Property Calculator
Analyze cash flow, cap rate, cash-on-cash return, DSCR, and multi-year ROI for any investment property.
NewLoan Amortization Calculator
Monthly payment + full amortization schedule for any loan. See principal vs. interest year-by-year and total interest cost.
NewMortgage Refinance Calculator
Find out if refinancing makes sense. Break-even analysis, monthly savings, and net benefit over your planned stay.
NewClosing Costs Calculator
Itemized estimate of every fee you'll pay at closing — by loan type (conventional, FHA, VA, USDA) and purchase price.
NewMortgage Payoff Calculator
Extra payment savings, new payoff date, and months cut from your loan. Shows interest saved vs. investing the same amount.
NewAPR Calculator
True annual percentage rate including origination fees and closing costs — compare loan offers on an apples-to-apples basis.
NewDebt-to-Income Ratio Calculator
Calculate front-end and back-end DTI. See your mortgage approval odds for conventional, FHA, and VA loans instantly.
Tax & Compliance
Income Tax & Take-Home Pay
Calculate your exact 2026 paycheck and compare take-home pay across all 50 states.
Remote Work Tax Nexus
Check 2026 multi-state tax exposure before you "work from anywhere."
Crypto Tax Simulator
Harvest crypto capital losses legally using the 2026 rules to offset up to $3k in ordinary income.
Section 179 Vehicle Write-Off
Calculate the exact tax deduction for heavy vehicles and SUVs using the 2026 $2.56M limits.
ERC Audit Risk Score
Analyze your Employee Retention Credit claim against the 2026 IRS enforcement criteria.
S Corp Tax Savings Calculator
See exactly how much FICA tax you save with an S Corp election vs. a sole proprietor or LLC. All 50 states included.
⚠ Jul 1 DeadlineStudent Loan RAP Calculator
SAVE plan is dead. Compare the new RAP vs Standard vs Legacy IDR. Includes the 2026 tax bomb calculator.
NewSelf-Employment Tax Calculator
Calculate SE tax (15.3%), quarterly estimated payments, QBI deduction, SEP-IRA max, and net take-home from 1099 income.
NewVAT & Sales Tax Calculator
Add tax to any price or reverse-calculate the pre-tax amount from a tax-inclusive total. US state presets, UK VAT (20%), EU, Canada, Australia, and custom rates.
NewCapital Gains Tax Calculator
2026 federal + state capital gains tax on stocks, real estate, and crypto. Covers LTCG rates, NIIT, and after-tax ROI.
NewW-4 Withholding Calculator
Find the correct per-paycheck federal withholding for 2026. Avoid a surprise tax bill or an unnecessary over-refund.
Business & Legal
Business Valuation Wizard
Calculate your business's 2026 market value using industry-specific EBITDA and ARR multiples.
AI-SaaS ROI Calculator
Compare the fully loaded cost of human employees against modern AI agent automation.
Personal Injury Estimator
Evaluate legal case settlement values using the industry-standard Insurance Multiplier Method.
Profit Margin Calculator
Calculate gross, operating, and net profit margins. Compare markup vs. margin and analyze profitability by product line.
ROI Calculator
Calculate return on investment with multiple cash flows, compounding, and annualized returns. Compare to market benchmarks.
NewBreak-Even Calculator
Find your exact break-even point in units and revenue. Calculate contribution margin and visualize your profit/loss curve.
Personal Finance
Auto Loan Calculator
Calculate monthly car payments, total interest, and amortization. Compare loan terms and find your break-even vs. leasing.
NewCar Lease Calculator
Calculate your exact monthly lease payment using money factor, residual value, and cap cost. Includes total lease cost and lease vs. buy comparison.
Credit Card Payoff Calculator
Calculate credit card interest, payoff timeline, and total cost. Compare snowball vs. avalanche payoff methods.
NewDebt Payoff Calculator
Compare snowball vs. avalanche across all your debts. See exact months to debt-free and total interest saved with extra payments.
NewDebt Snowball Calculator
Pay smallest balances first for quick wins. See your personalized payoff order, timeline visual, and interest saved vs. minimums only.
Savings Goal Calculator
Calculate exactly how much to save monthly to reach any financial goal. Compare high-yield savings vs. CDs.
NewNet Worth Calculator
Track your total assets minus liabilities to calculate your true net worth. Compare to average American benchmarks by age.
New50/30/20 Budget Calculator
Plan your monthly budget using the 50/30/20 rule. Track needs, wants, and savings against targets. See your 10-year wealth projection.
Paycheck Calculator 2026
Convert hourly rate or salary to exact take-home pay. Federal, state, FICA taxes + 401(k) deductions. All 50 states, all pay frequencies.
NewTime Card Calculator
Track daily clock-in/out times, deduct breaks, compute weekly hours and gross pay including overtime at 1.5×.
NewPay Raise Calculator
Enter your raise percentage or flat amount — see new hourly, weekly, monthly, and annual pay with a multi-year salary projection.
NewHourly to Salary Calculator
Convert any hourly wage to annual salary — or annual salary to hourly. See weekly, bi-weekly, monthly, and annual pay in seconds.
NewLife Insurance Calculator
Find out exactly how much life insurance you need using the DIME method, 10× income rule, and Human Life Value approach — compared side by side.
NewOvertime Pay Calculator
Calculate OT earnings at 1.5× or double-time for hourly and salaried workers. Includes annual projections and pay period breakdowns.
Investment & Retirement
Compound Interest Calculator
See how your investments grow exponentially. Model daily, monthly, or annual compounding with regular contributions.
Retirement Calculator
Calculate your retirement needs using the 4% rule. Model Social Security benefits and see exactly how much to save monthly.
New401(k) Calculator
Project your 401(k) balance at retirement. Model employer match, contribution limits, and compare traditional vs. Roth.
Inflation Calculator
Calculate how inflation erodes purchasing power over time. Compare real vs. nominal returns and plan for inflation hedging.
NewCD Calculator
Calculate certificate of deposit maturity value, APY, and after-tax yield. Compare CD terms with 2026 benchmark rates up to 5.00%.
NewFIRE Calculator
Calculate your Financial Independence, Retire Early number. Supports Lean, Fat, and Coast FIRE. See your savings rate and years to financial freedom.
NewRoth IRA Calculator 2026
Project your tax-free Roth IRA balance at retirement. Includes 2026 income phase-out rules, contribution limits, and Roth vs. Traditional IRA comparison.
NewDividend Calculator 2026
Calculate dividend income, DRIP reinvestment growth, yield on cost, and after-tax returns over time. Model up to 50 years with dividend growth rates.
NewSocial Security Calculator 2026
Estimate your SS retirement benefit at any claim age from 62–70. Includes break-even analysis, spousal benefits, and COLA projections.
New529 College Savings Calculator
Project 529 balance vs. future tuition cost with 5% inflation. See exact monthly savings needed to fully fund any school type.
Health & Fitness
BMI Calculator
Calculate Body Mass Index, healthy weight range, ideal body weight, BMR, and daily calorie needs for weight loss or gain. Imperial and metric.
NewIIFYM Macro Calculator
Calculate daily protein, carb, and fat targets for cutting, bulking, or maintaining. Supports 3 BMR formulas, 5 activity levels, and custom macro splits.
NewCalorie Calculator (TDEE)
Calculate your Total Daily Energy Expenditure and exact calorie target for weight loss, maintenance, or muscle gain using Mifflin-St Jeor.
NewBody Fat Calculator
Estimate body fat % using the US Navy tape method. Get fat mass, lean mass, ACE category, and how much fat to lose to hit your goal. Imperial & metric.
NewPregnancy Due Date Calculator
Calculate your estimated due date from last period, conception date, IVF transfer, or ultrasound. Includes trimester timeline, key milestones, and countdown.
NewOvulation Calculator
Find your fertile window and peak ovulation day based on cycle length. Forecast up to 6 cycles ahead for family planning.
Everyday Tools
Tip Calculator
Calculate tip amounts, split the bill between multiple people, and compare 15%, 18%, 20%, and 25% tip percentages for restaurants and delivery.
NewPercentage Calculator
Five percentage tools in one: X% of Y, X is what % of Y, percentage change, increase/decrease by %, and percentage points difference.
NewGPA Calculator
Calculate your semester GPA weighted by credit hours, then combine with your existing cumulative GPA for an updated overall on the US 4.0 scale.
NewAge Calculator
Exact age in years, months, days, weeks, and hours. Includes birthday countdown, zodiac sign, generation, historical milestones, and Social Security retirement date.