How it works
- The code is an iframe plus one line of credit under it. An optional script fits the frame to the calculator's height.
- The widget carries no ads, no tracking scripts and no cookies. It gives the same result, assumptions and data dates as the calculator here.
- It works in a WordPress Custom HTML block, a Squarespace Code block, Wix Embed code, or any page template.
- Please keep the credit line. It links to the full calculator on CostAnswer, which is where your readers find the method behind the number.
Questions, or a calculator you need that is not here: hello@costanswer.com.
Money
- How Much Is That Hourly Wage a Year?
Turn an hourly wage into weekly, monthly, and yearly pay before taxes. Overtime has its own line.
- How Much Is My Salary After Tax?
Estimate federal income tax, FICA, and state income tax on a U.S. salary, then see take-home by year, month, and paycheck.
- How Much Is My Take-Home Paycheck?
Estimate take-home pay per paycheck by spreading a full-year federal, FICA, and state tax estimate across your pay periods. Your employer withholds from a W-4 and IRS tables instead, so a real stub will differ.
- Bonus Tax Calculator
What actually lands from a bonus. Employers withhold a flat IRS supplemental rate on a separately paid bonus, not the rate your salary implies, which is why it looks over-taxed.
- How Much Is My Mortgage Payment?
Monthly principal and interest from the home price, down payment, term, and the most recent Freddie Mac national average rate. You can type a quote instead.
- How Much Is My Loan Payment?
Monthly payment, total interest, and payoff time for a fixed-rate loan. Add extra principal if you want to see how much sooner it ends.
- Compound Interest Calculator
See how a starting balance and recurring deposits grow with compound interest. Contributions are added at the end of each period.
- How Long to Pay Off My Debt?
Compare snowball and avalanche payoff plans on the same debts. See which order saves more interest and how extra payments change the date.
- What Is That Worth After Inflation?
See what an amount in one U.S. month would buy in another, using the BLS CPI-U all-items index since 1913.
- Can I Afford This House?
A planning screen for a specific house, or a comfortable / reasonable / aggressive price from take-home pay, debts, and the most recent national average rate.
- Insurance Cost Calculator
Budget for homeowners, renters, and auto insurance with dated NAIC state averages or your own premiums. Compare annual costs and deductible choices.
- Health Insurance Subsidy Calculator
Estimate your 2026 ACA premium tax credit and what a Marketplace plan costs after it, using the published IRS contribution table and HHS poverty guidelines.
- Marketplace Health Plan Cost Calculator
See what Bronze, Silver, and Gold plans cost in your county from the filed 2026 premiums, with the deductible and the most a year can cost you.
- Medicare Cost Calculator
Work out your 2026 Medicare premiums including the income-related adjustment, with the deductibles owed before any of it pays and the income cliffs shown.
- Cost of Living: Compare Two U.S. Places
Estimated modeled monthly living costs for a U.S. city, metro, or state using HUD Fair Market Rent, USDA Food Plans, and official regional context. This is not a proprietary index.
- Car Loan Calculator
Monthly vehicle loan payment, total interest, and amount financed. Not insurance, fuel, or the true cost of owning the car.
- Investment Calculator
Project an initial amount plus recurring contributions under an assumed return. The return is an assumption, not a guarantee.
- Retirement Calculator
Project a retirement balance from current savings, contributions, and an assumed return, then compare it with a goal you type.
- Amortization Schedule Calculator
See principal, interest, and remaining balance by payment for a fixed-rate loan. The payment uses the same engine as the Loan Calculator.
- CD Calculator
Ending balance and interest on a certificate of deposit from the APY you enter. Not a live bank offer.
- Interest Calculator
Simple interest: principal × annual rate × time. For compounding or recurring deposits, use the dedicated calculators.
- Roth IRA Calculator
Project Roth IRA contribution growth under an assumed return. This does not determine MAGI eligibility.
- 401(k) Calculator
Project employee deferrals and a simple employer match over time at an assumed return. Catch-up and eligibility rules are not modeled.
- Should I Refinance My Mortgage?
Compare the mortgage you have with one you could replace it with: the new payment, how many months of savings it takes to cover closing costs, and whether a lower payment costs more interest overall.
- When Will My Mortgage Be Paid Off?
See how extra principal changes the remaining payoff date and interest on the current mortgage balance.
- Credit Card Payoff Calculator
Months and interest to pay off one credit-card balance at a stated monthly payment, or the payment needed for a target payoff time.
- Effective Tax Rate Calculator
Work out the share of your pay that actually goes to tax, and see how far it sits below the bracket you are in.
- Federal Tax Bracket Calculator
Find which federal bracket your last dollar falls in, see how your income splits across every band, and how much room is left before the next one.
- Capital Gains Tax Calculator
See how 2026 long-term capital gains stack into the 0%, 15% and 20% bands, and whether the 3.8% Net Investment Income Tax applies.
- Child Tax Credit Calculator
Estimate the 2026 child tax credit, credit for other dependents, and additional child tax credit from Revenue Procedure 2025-32 and Schedule 8812.
- Earned Income Credit Calculator
Estimate the 2026 federal earned income tax credit from earned income, AGI, qualifying children and the investment-income limit in Revenue Procedure 2025-32.
- Quarterly Estimated Tax Calculator
Work out the Form 1040-ES required annual payment and four equal installments using the 90%, 100% and 110% safe harbors.
- Self-Employment Tax Calculator
Figure Schedule SE tax on net profit after the 92.35% factor, sharing the Social Security wage base with W-2 wages, plus Form 8959 Additional Medicare Tax.
- Tax Refund Calculator
Estimate a 2026 federal refund or amount owed from published income tax, child credits and EITC, minus the withholding you already had taken out. Not a W-4 projection.
- Conforming Loan Limit Calculator
The FHFA loan limit for your county and unit count, and whether a given loan amount is conforming, high-balance, or jumbo.
- HSA Contribution Limit Calculator
The 2026 HSA contribution limit from IRS Rev. Proc. 2025-19, including the age-55 catch-up and a check of whether a plan’s deductible and out-of-pocket maximum qualify as an HDHP.
- RMD Calculator
The required minimum distribution from an IRA using IRS Publication 590-B Table III (Uniform Lifetime) and SECURE 2.0 starting ages.
- VA Funding Fee Calculator
The VA funding fee from the published rate charts: loan type, first or subsequent use, and down payment, including the option to finance the fee.
- Credit Card Utilization Calculator
Calculate your overall revolving credit utilization ratio and per-card balances, and see exact dollar payoffs needed to reach optimal credit score tiers.
- Debt-to-Income (DTI) Calculator
Calculate your front-end and back-end debt-to-income ratio and compare against Fannie Mae, Freddie Mac, FHA, and VA mortgage qualification benchmarks.
- Emergency Fund Calculator
Calculate your true essential monthly survival budget, target 3- to 12-month safety net runway, and monthly savings plan to reach financial security.
- IRS Mileage Reimbursement Calculator
Calculate official IRS standard mileage deductions and employer reimbursements for business, medical, and charity travel across 2024–2026.
- Savings Goal Calculator
Find the exact monthly deposit needed to reach your savings target, or calculate how many months it will take with compound interest growth.
Home
- How Much Is My Electric Bill by State?
A monthly electric bill from your kWh and the EIA average for your state. You can type the rate from your bill instead.
- How Much Does This Appliance Cost to Run?
Estimate what a device costs to run from its wattage, hours of use, and the EIA average for your state. You can type the rate from your bill instead.
- How Much Concrete Do I Need?
Cubic yards and bag counts for a rectangular slab. Waste is listed separately.
- How Many Square Feet Is This Space?
Add rectangular rooms or spaces and get total area in square feet, with square meters from the shared conversion engine.
Car
- EV vs Gas: Which Costs Less to Drive?
Yearly charging versus gasoline, using your miles, MPG, a local gas price, and a state electricity average.
- How Much Does a Road Trip Cost in Gas?
Fuel cost for a drive from your miles, MPG, and the most recent EIA regular-gas average for your state or region. You can type a pump price instead.
- How Much Car Can I Afford?
Monthly cash cost of a car (loan payment, fuel or charging, insurance, upkeep, registration) and how much of your take-home pay it would take. Depreciation is not included, so this is out-of-pocket cost, not total cost of ownership.
- Collision and Comprehensive Worth-It Calculator
Weigh collision and comprehensive against what your car is worth, using published NAIC state premiums or the figures on your own policy.
Everyday
- GSA Per Diem Rates by City
Federal travel per diem for a trip in the continental U.S.: the GSA lodging ceiling for every night, meals and incidentals for every day, and a check of your actual room rate against the cap. Type a city or ZIP.
- Business Days Calculator
Count workdays between two dates, or add workdays to a date. Federal holidays are optional.
- Tip Calculator
Tip amount, bill total, and an even per-person split from the subtotal and tip percent you enter.
- Age Calculator
Completed years, months, and days from a birth date to a selected as-of date, including leap-day rules.
- Time Calculator
Add or subtract hours, minutes, and seconds as durations. Negative results stay signed and normalized.
- Random Number Generator
Generate one or more numbers in a range, including unique integers. Ordinary utility randomness, not a cryptographic tool.
- Time Card Calculator
Add shift start, end, and unpaid break across one or more days, including overnight shifts. Overtime law is not applied.
- Date Calculator
Find the calendar date a given number of days, weeks, months, or years before or after another date. Month ends are clamped.
- Days From Today Calculator
The calendar date that is N days from today, or N days ago. Weekends still count; this is not business days.
Food
- Recipe Scaler
Scale a recipe to more or fewer servings. Amounts round to the nearest 1/16.
Shopping
- Which Package Is Cheaper per Unit?
See which package is cheaper per ounce, pound, or item, even if the labels use different units.
- Cheapest States for Electricity, Gas, and Groceries
Compare electricity, gasoline, and the grocery staples BLS splits by region. These are government averages, not store ads.
Health
- BMI Calculator
Estimate adult Body Mass Index from height and weight in metric or U.S. units. Category labels are secondary CDC screening ranges, not a diagnosis.
- Calorie Calculator
Estimate daily calories from adult BMR and a documented activity factor. Maintenance is the primary result; optional offsets stay small.
- TDEE Calculator
Estimate Total Daily Energy Expenditure as adult BMR times a labeled activity multiplier. The factor is a planning assumption.
- BMR Calculator
Estimate adult Basal Metabolic Rate with the Mifflin–St Jeor equation. This is not a measured metabolic rate.
- Body Fat Calculator
Estimate body-fat percentage from neck, waist, and hip circumferences using the documented U.S. Navy method. Not a DEXA scan.
Math
- Percentage Calculator
What is X% of Y, X is what percent of Y, or X is Y% of what. Division by zero is rejected.
- Percent Change Calculator
Percentage increase or decrease from an original value to a new value. A zero baseline is not defined.
- Scientific Calculator
Powers, roots, logs, factorials, and trig in degrees or radians, with π and e, on a keypad that follows the normal order of operations.
- Fraction Calculator
Add, subtract, multiply, divide, and simplify fractions with exact integer arithmetic, then show mixed and decimal forms.
- Unit Conversion Calculator
Convert length, mass, volume, area, temperature, and speed through canonical base units, so every conversion runs through one tested path.
Education
- What Grade Do I Need on the Final?
The score you need on the final to finish with the grade you want, or a weighted grade from each category. Any letter shown uses an assumed 90/80/70/60 scale.
- GPA Calculator
GPA from courses, letter grades, and credit hours on a visible unweighted 4.0 convenience scale. Not every school’s policy.
