Who publishes this site
MyCashCalc is an independent website, launched in 2025. It is not a government site and has no link with the IRS, the Social Security Administration or any state tax agency. It is not a tax preparer, a CPA firm or a registered investment adviser. No page is signed by a credentialed expert: articles are published as the MyCashCalc Team, and each figure can be traced to the source it came from.
Some pages carry affiliate links and the site may show ads. A partner never changes a result: the formulas and rates are the same for every visitor. Calculations run in your browser; we do not ask for your name or email and we do not store the amounts you type.
How We Ensure Accuracy
Primary Sources
Federal tax brackets from IRS Publication 15-T. State rates from each state’s department of revenue.
Annual Review
Every January, we audit and update all tax data to reflect the new tax year.
Automated Testing
90+ automated tests verify calculations against hand-computed expected values.
Published
Accurate, up-to-date financial data for every US state and city.
Data sources
- Federal brackets and standard deduction: IRS, Revenue Procedure 2025-32 (tax year 2026)
- Social Security wage base: Social Security Administration ($184,500 in 2026)
- Sales tax rates: Tax Foundation (state rates and average local rates)
- City populations: US Census Bureau, 2020 Census
- City median household income: US Census Bureau, American Community Survey 5-year (2023)
- Grocery budgets: USDA Food Plans: Cost of Food
- Federal student loan rates: Federal Student Aid
What the calculators do not cover
- State income tax brackets come from each state department of revenue. We do not model city or county income taxes (New York City, Philadelphia, Ohio and Pennsylvania localities, for example), so a paycheck there will show more take-home pay than you will actually receive.
- City sales tax pages apply the state rate plus the state’s average local rate from the Tax Foundation. Your exact rate depends on your address, and some special districts add more.
- The inflation calculator applies a constant annual rate that you choose. It does not replay the Bureau of Labor Statistics CPI series year by year.
- Grocery budgets use representative USDA food plan figures and an economy-of-scale adjustment for household size. Prices in your area may differ.
The 19 calculators
The paycheck, hourly and sales tax calculators handle all 50 states plus the District of Columbia.
- Paycheck Calculator : take-home pay after federal, state and FICA taxes
- Hourly to Salary Calculator : hourly wage to annual salary, with tax context
- Overtime Pay Calculator : time-and-a-half or any multiplier, plus total weekly pay
- Bonus Tax Calculator : 22% federal supplemental withholding and FICA on a bonus
- Self-Employment Tax Calculator : 15.3% SE tax on net profit and the deductible half
- Sales Tax Calculator : state rate plus the average local rate on a purchase
- Mortgage Calculator : monthly payment with principal, interest, taxes and insurance
- Car Loan Calculator : monthly payment, total interest and true cost of the loan
- Student Loan Calculator : Standard, Extended, Graduated and income-driven plans side by side
- Debt Payoff Calculator : payoff date, interest cost and the effect of extra payments
- Compound Interest Calculator : growth with daily, monthly or annual compounding
- Retirement Calculator : projected savings and a sustainable withdrawal income
- Savings Goal Calculator : time or monthly deposit needed to reach a target
- Net Worth Calculator : assets minus liabilities in one snapshot
- Inflation Calculator : what an amount is worth after years of a chosen inflation rate
- Grocery Budget Calculator : a monthly food budget based on the USDA food plans
- Cost per Meal Calculator : what each home-cooked meal really costs
- Unit Price Calculator : price per ounce, pound or count across 2 or 3 products
- Tip Calculator : tip amount and bill split for any group size
Disclaimer
The calculators are for information and education. They are not tax, legal or financial advice. Results are estimates built on public data and may not match your exact situation. For a decision that matters, check with a qualified tax professional or financial adviser.
Contact and corrections
Found a wrong rate, a broken page or a calculator you would like to see? Write to [email protected]. Reported data errors are checked against the source before anything is changed.