# MoneyCalcs > Free money calculators. Instant answers, no signup. All tools are free, run in-browser, and require no signup. ## Loans & Mortgage - [Mortgage Calculator](https://moneycalcs-peach.vercel.app/mortgage-calculator.html): Calculate your monthly mortgage payment with 2026 rates, including property tax, insurance and total interest over the life of the loan. Free, instant, no signup. - [How Much House Can I Afford](https://moneycalcs-peach.vercel.app/how-much-house-can-i-afford.html): Find the maximum home price for your salary using the 28/36 rule lenders actually apply. Accounts for your existing debts, taxes, insurance and down payment. - [Car Loan Calculator](https://moneycalcs-peach.vercel.app/car-loan-calculator.html): Calculate your car payment with down payment, trade-in value and sales tax. See total interest and the true cost of the vehicle before you sign at the dealer. - [Loan Calculator](https://moneycalcs-peach.vercel.app/loan-calculator.html): Calculate the monthly payment and total interest for any loan — personal, auto, boat or business. Enter amount, rate and term for instant results. ## Debt Payoff - [Credit Card Payoff Calculator](https://moneycalcs-peach.vercel.app/credit-card-payoff-calculator.html): See exactly how long it takes to pay off credit card debt and how much interest you'll pay. Add extra monthly payments to see how much you save. - [Student Loan Payoff Calculator](https://moneycalcs-peach.vercel.app/student-loan-payoff-calculator.html): Find your student loan payoff date and total interest. See how extra payments shorten the timeline and what refinancing could save. - [Debt Snowball Payoff Calculator](https://moneycalcs-peach.vercel.app/debt-payoff-calculator.html): Plan your debt-free date across all debts with the snowball method. Enter every balance and APR, set a monthly budget, and see total interest paid. ## Savings & Investing - [Compound Interest Calculator](https://moneycalcs-peach.vercel.app/compound-interest-calculator.html): Calculate future value with monthly compounding: initial investment plus monthly contributions at any rate and term. See how much is interest vs. contributions. - [Retirement Calculator](https://moneycalcs-peach.vercel.app/retirement-calculator.html): Project your retirement nest egg from today's savings and monthly contributions, and check it against what you'll need using the 4% rule. - [Savings Goal Calculator](https://moneycalcs-peach.vercel.app/savings-goal-calculator.html): Find the exact monthly savings needed to hit any goal — house down payment, car, wedding — by your deadline, with interest working for you. - [Emergency Fund Calculator](https://moneycalcs-peach.vercel.app/emergency-fund-calculator.html): Find your personal emergency fund target from monthly expenses, see your gap, and get an exact monthly savings plan to close it. - [FIRE Calculator](https://moneycalcs-peach.vercel.app/fire-calculator.html): Calculate your FIRE number, how close you are, and the exact year you can quit — based on the 4% rule, your savings rate and expected returns. ## Salary & Income - [Salary / Take-Home Pay Calculator](https://moneycalcs-peach.vercel.app/salary-calculator.html): Convert gross salary to real take-home pay using official 2026 federal brackets, standard deduction and FICA. See your effective tax rate by state and filing status. - [Hourly to Salary Calculator](https://moneycalcs-peach.vercel.app/hourly-to-salary-calculator.html): Convert any hourly wage to annual salary, monthly, bi-weekly and weekly pay. Works for full-time and part-time schedules. - [Salary to Hourly Calculator](https://moneycalcs-peach.vercel.app/salary-to-hourly-calculator.html): Convert a yearly salary to an hourly rate — know what a job offer really pays per hour, and compare salaried roles to hourly or freelance work. - [Freelance Rate Calculator](https://moneycalcs-peach.vercel.app/freelance-rate-calculator.html): Calculate the hourly or project rate you need to hit your income goal as a freelancer, covering taxes, expenses, unpaid weeks and benefits. - [Side Hustle Income Calculator](https://moneycalcs-peach.vercel.app/side-hustle-calculator.html): Turn a side hustle idea into real numbers: gross, net after taxes and costs, and your effective hourly rate — before you commit weekends to it. - [Paycheck Calculator](https://moneycalcs-peach.vercel.app/paycheck-calculator.html): Estimate your paycheck from gross pay with 2026 federal withholding, FICA and state tax. Hourly, monthly or annual input. - [State Income Tax Calculator](https://moneycalcs-peach.vercel.app/state-income-tax-calculator.html): Calculate 2026 federal + state income tax for any US state. Live 2026 tax brackets, standard deduction and FICA. See your take-home pay per month and year. ## Life & Spending - [50/30/20 Budget Calculator](https://moneycalcs-peach.vercel.app/budget-calculator.html): Split your take-home pay into needs, wants and savings with the 50/30/20 rule. See exact dollar budgets per category and per week. - [Inflation Calculator](https://moneycalcs-peach.vercel.app/inflation-calculator.html): Project how inflation erodes purchasing power: what a dollar amount today equals in future years, and what future money is worth in today's prices. - [Net Worth Calculator](https://moneycalcs-peach.vercel.app/net-worth-calculator.html): Calculate your net worth: everything you own minus everything you owe. The single best measure of financial progress, updated in seconds. - [Rent Affordability Calculator](https://moneycalcs-peach.vercel.app/rent-affordability-calculator.html): Find your maximum monthly rent from your income using the 30% rule, or reverse it — the salary you need for the apartment you want. - [Cost of Living / Moving Salary Calculator](https://moneycalcs-peach.vercel.app/cost-of-living-calculator.html): Moving cities? Find the salary you need to maintain your standard of living by comparing a typical monthly cost basket in both locations. - [Tip Calculator with Split](https://moneycalcs-peach.vercel.app/tip-calculator.html): Calculate tip and total for any bill, then split it between any number of people. The fastest tip math on the web — no signup, no ads to click past. - [Vacation Budget Calculator](https://moneycalcs-peach.vercel.app/vacation-budget-calculator.html): Add up every trip cost — flights, lodging, food, activities — see the per-person total and the monthly savings plan to fund the vacation. - [Wedding Budget Calculator](https://moneycalcs-peach.vercel.app/wedding-budget-calculator.html): Total up every wedding line item — venue, catering, photo, attire — see the cost per guest and the monthly savings plan for your date. - [Baby Cost Calculator](https://moneycalcs-peach.vercel.app/baby-cost-calculator.html): Estimate the true cost of raising a baby: monthly expenses over the years you choose, plus one-time costs. USDA ranges included in the guidance. - [Quit Smoking Savings Calculator](https://moneycalcs-peach.vercel.app/quit-smoking-calculator.html): See what quitting smoking saves per year, and what those savings grow to if invested. The most motivating number you'll calculate today. - [IBAN Validator & Checker](https://moneycalcs-peach.vercel.app/iban-validator.html): Validate an IBAN free: instant checksum check in your browser plus live bank name, SWIFT/BIC, country and SEPA status. No signup, no data stored. # Mortgage Calculator URL: https://moneycalcs-peach.vercel.app/mortgage-calculator.html Enter a home price, down payment and interest rate to see the exact monthly payment — principal, interest, property tax and insurance (PITI). Results update instantly as you type. ## How it works The monthly principal & interest payment uses the standard amortization formula: M = P·r / (1 − (1+r)^−n), where P is the loan amount, r the monthly rate (APR ÷ 12) and n the number of months. Property tax and insurance are added as flat monthly costs, which is how escrow works at most US lenders. ## FAQ **What is a good mortgage rate in 2026?** As of mid-2026 the 30-year fixed average hovers around 6.3–6.7%. Every 0.5% you shave off saves tens of thousands in interest over 30 years — compare at least 3 lenders. **How much down payment do I need?** 20% avoids private mortgage insurance (PMI), but FHA loans allow 3.5% and conventional loans 3%. Use the calculator with a smaller down payment to see how the payment changes. **Does this include PMI and HOA?** No — add your PMI/HOA to the insurance field to include them in the total monthly payment. # How Much House Can I Afford URL: https://moneycalcs-peach.vercel.app/how-much-house-can-i-afford.html Lenders approve you based on ratios, not vibes. This calculator applies the 36% back-end rule — your total monthly debts including the new mortgage shouldn't exceed 36% of gross income — and works backwards to the maximum home price. ## How it works Affordable housing budget = monthly gross income × 0.36 − other monthly debts − monthly property tax − monthly insurance. That budget is converted to a maximum loan amount with the same amortization formula as the mortgage calculator, then your down payment is added back. ## FAQ **What is the 28/36 rule?** Housing costs should be at most 28% of gross monthly income, and total debt payments at most 36%. Most conventional lenders enforce the 36% back-end. **Can I afford more with a bigger down payment?** Yes — every extra dollar down is a dollar of price you can add, since it doesn't increase the loan. **Does this include taxes and insurance?** Yes — enter your area's annual property tax and insurance so the affordability number reflects the true PITI payment. # Car Loan Calculator URL: https://moneycalcs-peach.vercel.app/car-loan-calculator.html Dealers negotiate the payment, not the price — that's how 84-month loans hide overpaying. Run the real numbers here first: price, trade-in, down payment, tax and APR. ## How it works Amount financed = price − down − trade-in (+ sales tax where applicable). Monthly payment = amortized payment on that amount. Total cost = price + all interest paid over the term. ## FAQ **What credit score gets the best car rate?** 740+ typically qualifies for the lowest rates. Borrowers under 660 pay 3–8% more APR, which can add thousands to a 5-year loan. **Should I finance for 72 or 84 months?** Only if necessary. A longer term lowers the payment but raises total interest dramatically — compare 48 vs 72 months with the years field. **Is sales tax on the full price?** In most US states yes; some states tax only price minus trade-in. Set tax to 0 if your state doesn't tax vehicle sales. # Loan Calculator URL: https://moneycalcs-peach.vercel.app/loan-calculator.html A universal amortization calculator: enter the loan amount, annual rate and term to see the fixed monthly payment and the total cost of borrowing. ## How it works M = P·r / (1 − (1+r)^−n). Total interest = M·n − P. This is the same formula banks use for any fixed-rate installment loan. ## FAQ **Does extra payment reduce interest?** Yes — see the credit card payoff calculator to model extra payments; the same logic applies to installment loans if your lender applies extras to principal. **What APR should I use?** Your loan's APR (includes fees), not just the note rate. It's on the truth-in-lending disclosure. # Credit Card Payoff Calculator URL: https://moneycalcs-peach.vercel.app/credit-card-payoff-calculator.html Credit card interest is calculated monthly on the remaining balance, so minimum payments can stretch for decades. Enter your balance, APR and a realistic monthly payment — then add extra to see the difference. ## How it works Each month: interest = balance × APR/12, then your payment covers interest first and the rest reduces principal. If your payment is below the monthly interest, the balance grows and never clears — the calculator warns you. ## FAQ **What is the average credit card APR in 2026?** Roughly 21–23% for accounts assessed interest. A $5,000 balance at 22% accrues about $92/month in interest alone. **How much does an extra $50/month save?** On $5,000 at 18% APR paying $200/mo, adding $50 cuts the payoff from 32 months to about 25 and saves roughly $230 in interest. Run your own numbers above. **Snowball or avalanche?** Snowball (smallest balance first) wins on motivation; avalanche (highest APR first) wins on math. Both beat minimum payments by miles — our debt payoff calculator runs snowball. # Student Loan Payoff Calculator URL: https://moneycalcs-peach.vercel.app/student-loan-payoff-calculator.html Federal and private student loans amortize monthly just like mortgages. Enter the balance, rate and monthly payment to see the payoff date — then test extra payments. ## How it works Same month-by-month amortization as credit cards: interest accrues on the remaining balance, extra payments go entirely to principal and compound your savings. ## FAQ **Should I pay extra or invest?** Compare your loan rate to expected investment returns. Above ~6% APR, paying down the loan is usually the better risk-free return; below 4%, investing often wins. **Does refinancing help?** If you qualify for a rate 1.5%+ lower on private loans, yes. Refinancing federal loans forfeits income-driven plans and forgiveness — usually a bad trade. **Extra $100/month — how much does it save?** On a $30,000 loan at 6.5% with the standard $342 payment, an extra $100/month saves about 1.5 years and $3,000+ in interest. # Debt Snowball Payoff Calculator URL: https://moneycalcs-peach.vercel.app/debt-payoff-calculator.html The snowball method: pay minimums on everything, throw all extra cash at the smallest balance, then roll each freed payment into the next debt. List your debts below — one per line. ## How it works Each line should be: balance, APR (example: 3200 14.5). The calculator accrues monthly interest on every balance, pays the smallest first with your full budget, and simulates month by month until everything hits zero. ## FAQ **Snowball vs avalanche — which saves more?** Avalanche (highest APR first) always saves the most interest; snowball (smallest balance first) closes accounts faster and keeps you motivated. Studies show snowball users are more likely to finish. **What if it says 'never clears'?** Your budget is below the monthly interest accruing on your debts. No payoff plan works at that point — increase income, negotiate APRs, or seek a credit counselor before optimizing order. # Compound Interest Calculator URL: https://moneycalcs-peach.vercel.app/compound-interest-calculator.html Compound interest is your money making money, and then that money making more money. Add an initial lump sum, monthly contributions, a rate and a timeframe. ## How it works Future value = lump sum × (1+i)^months + monthly contribution × ((1+i)^months − 1)/i, where i = rate/12. Contributions are assumed at month-end (ordinary annuity). ## FAQ **What return should I assume?** Historically the S&P 500 averaged ~10%/yr before inflation, ~7% after. Bonds average ~4–5%. Use 7% for a conservative stock-portfolio projection. **How often should interest compound?** This calculator compounds monthly, which matches most investment accounts. Daily compounding gives a hair more; annual gives slightly less. **What's the rule of 72?** Divide 72 by your annual return for the years it takes to double: at 7% your money doubles roughly every 10 years. The calculator gives the exact figure. # Retirement Calculator URL: https://moneycalcs-peach.vercel.app/retirement-calculator.html Two questions matter: what will you have, and what will you need? This calculator projects your portfolio to retirement age and compares it to a 25× target of your desired retirement income (the 4% safe withdrawal rule). ## How it works Projection: current savings grow at the pre-retirement return, plus monthly contributions compounded. Needed: desired annual income × 25, so that withdrawing 4%/yr historically doesn't deplete the portfolio over 30 years. ## FAQ **What is the 4% rule?** A retirement guideline: withdraw 4% of your portfolio in year one, adjust for inflation after. Based on 60 years of US market data, portfolios survived at that rate. $1M supports $40k/year. **What return should I use before retirement?** 7–10% while accumulating in stocks; drop to 4–6% if you're within 5 years of retiring and shifting to bonds. **Is this enough or should I also model Social Security?** Add expected Social Security to your 'income' target gap — e.g. if you need $60k and expect $24k from Social Security, model a $36k income target. # Savings Goal Calculator URL: https://moneycalcs-peach.vercel.app/savings-goal-calculator.html Pick a goal and a deadline; the calculator tells you what to set aside each month, accounting for the interest your savings earn along the way. ## How it works Required monthly = (goal − future value of current savings) × i / ((1+i)^n − 1), where i is the monthly rate and n the months to your deadline. Set rate to 0 for a cash goal under a mattress. ## FAQ **Where should goal money sit?** Under ~3 years: HYSA or money market (4%+ in 2026). Longer horizons can take some index-fund risk, but never money you need on a fixed date. **What rate should I enter?** A HYSA currently pays around 4%. If you'll keep the goal in cash, use that; use 0 if you don't want interest assumptions. # Emergency Fund Calculator URL: https://moneycalcs-peach.vercel.app/emergency-fund-calculator.html The standard advice is 3–6 months of essential expenses — more if you're a single income, freelancer, or have a variable paycheck. Enter your numbers and a deadline. ## How it works Target = essential monthly expenses × months of coverage. Gap = target − current savings. Monthly plan = gap ÷ months you give yourself. ## FAQ **3 or 6 months?** 3 is fine for dual-income W-2 households with good insurance. 6+ for freelancers, single incomes, homeowners, or anyone with an irregular paycheck. **What counts as expenses?** Rent/mortgage, food, utilities, insurance, minimum debt payments, transport. Not dining out or subscriptions — the fund covers essentials if income stops. **Where to keep it?** A high-yield savings account, separate from checking. FDIC-insured, liquid within a day, earning 4%+ in 2026. # FIRE Calculator URL: https://moneycalcs-peach.vercel.app/fire-calculator.html Financial Independence means your investments cover your spending forever. Enter your annual spending, current portfolio, monthly savings and expected return to get your FI number and date. ## How it works FI number = annual spending ÷ withdrawal rate (4% default → spending × 25). The calculator then simulates monthly portfolio growth with your contributions until it crosses the target. ## FAQ **Is 4% safe?** Historically yes for 30+ year US portfolios (Trinity study). For early retirement (50+ years), consider 3.25–3.5% — change the withdrawal rate field. **What's a good savings rate?** Saving 25% of income → FI in ~32 years; 50% → ~17 years; 65% → ~10 years. Your rate matters more than your income. **LeanFIRE vs FatFIRE?** LeanFIRE = minimal-spending FI (~$25–40k/yr); FatFIRE = comfortable FI ($100k+/yr → $2.5M+ portfolio). Same math, different spending input. # Salary / Take-Home Pay Calculator URL: https://moneycalcs-peach.vercel.app/salary-calculator.html Gross salary is not your paycheck. This calculator applies the official 2026 IRS brackets (Rev. Proc. 2025-32), the standard deduction, Social Security/Medicare and your state's flat estimate to show real take-home pay. ## How it works Taxable income = gross − standard deduction ($16,100 single / $32,200 joint in 2026). Federal tax accrues bracket by bracket. FICA = 6.2% Social Security (capped at $184,500) + 1.45% Medicare + 0.9% surtax above $200k/$250k. State tax is entered as a flat % — check your state's rate (0% in TX, FL, NV, WA…; up to ~10% in CA). ## FAQ **What is an effective tax rate?** Total federal tax ÷ gross income — always lower than your marginal (top) bracket. A $80k single filer in 2026 is in the 22% bracket but pays ~11% effective. **Why is my real paycheck different?** This tool doesn't model 401(k) pre-tax contributions, HSA, dependents or itemizing — all of which lower taxable income further. Treat the result as a conservative estimate. # Hourly to Salary Calculator URL: https://moneycalcs-peach.vercel.app/hourly-to-salary-calculator.html Job offer says $28/hour — what's that per year? Enter the hourly rate and hours per week for the full picture. ## How it works Annual = hourly × hours per week × 52. Bi-weekly and weekly figures divide accordingly. All values are pre-tax; run the salary calculator for take-home. ## FAQ **Is $25/hour a good wage?** $25/hr full-time is $52,000/year — above the US individual median (~$45k) but tight in high-cost metros. **How do hourly and salaried compare?** Hourly workers earn overtime (1.5× over 40h); salaried exempt workers don't. At equal annual figures, hourly can pay more with OT. **What about unpaid time off?** 52 weeks assumes no unpaid gaps. Subtract vacation weeks (e.g. ×50) if your job is hourly with unpaid leave. # Salary to Hourly Calculator URL: https://moneycalcs-peach.vercel.app/salary-to-hourly-calculator.html That $75k offer — what's it per hour? Enter the annual salary and your expected weekly hours. ## How it works Hourly = annual ÷ 52 weeks ÷ hours per week. All pre-tax. ## FAQ **What's a 40-hour equivalent for salaried work?** Many salaried roles run 45–50 real hours. Divide by your actual hours, not the nominal 40 — the rate often drops 10–25%. **How does this compare to freelancing?** Freelancers need ~2× an employee's hourly rate to cover self-employment tax, benefits and unpaid time — use the freelance rate calculator. # Freelance Rate Calculator URL: https://moneycalcs-peach.vercel.app/freelance-rate-calculator.html Employees get paid time off, insurance and an employer tax match. Freelancers must price all of that in. Enter your target take-home, costs and billing reality — get the rate to charge. ## How it works Required gross = (target income + annual expenses) ÷ (1 − tax rate). Billable hours = hours per week × billable weeks per year (nobody bills 52). Rate = gross ÷ billable hours. ## FAQ **What tax rate should freelancers use?** US freelancers owe ~15.3% self-employment tax plus income tax — 25–30% total is a safe planning number in most states. **How many weeks are actually billable?** Realistic planning: 40–45 weeks (vacation, sick days, marketing, admin). Billing 50+ weeks straight leads to burnout. **Hourly or project pricing?** Project pricing decouples income from hours and usually earns more once you know your true hourly floor from this calculator. # Side Hustle Income Calculator URL: https://moneycalcs-peach.vercel.app/side-hustle-calculator.html Is that side gig worth your evenings? Enter the rate you'd earn, hours per week, working weeks and costs — see the true net and effective hourly. ## How it works Gross = rate × weekly hours × weeks. Net = gross − tax − annual costs. Effective hourly = net ÷ hours actually worked, which is the number to compare against your day job. ## FAQ **How much tax on side income?** US side income is taxed at your marginal rate + potentially 15.3% SE tax if net earnings exceed $400. Plan for 25–30%. **What side hustles pay the best per hour?** Freelance skills (writing, design, dev, bookkeeping) top $30–100/hr; gig apps (delivery, rideshare) typically land $10–20/hr net after vehicle costs. # Paycheck Calculator URL: https://moneycalcs-peach.vercel.app/paycheck-calculator.html Same engine as the salary calculator, framed per paycheck: enter gross pay and get federal withholding, FICA and net. ## How it works Federal tax uses 2026 brackets and the standard deduction for your filing status; FICA is 6.2% SS (wage base $184,500) + 1.45% Medicare (+0.9% above $200k/$250k). State tax is your flat % input. ## FAQ **Why doesn't it match my W-4 withholding exactly?** Actual payroll withholding uses the percentage method with your W-4 adjustments (dependents, extra withholding, two jobs). This is a close estimate, not a payroll system. **How do I lower withholding legally?** Adjust your W-4 for dependents, pre-tax 401(k)/HSA contributions — contributions reduce taxable wages and thus withholding. # 50/30/20 Budget Calculator URL: https://moneycalcs-peach.vercel.app/budget-calculator.html The 50/30/20 rule is the simplest budget that works: 50% needs, 30% wants, 20% savings and debt payoff. Enter your monthly take-home pay (after tax). ## How it works Each category is a fixed share of take-home income. If needs exceed 50%, the overflow comes out of wants first — protect the 20% savings floor. ## FAQ **What counts as needs?** Housing, groceries, utilities, insurance, minimum debt payments, essential transport. Everything discretionary — including dining out and streaming — is wants. **What if my needs are over 50%?** You're not broken — high-cost areas push needs to 60%+. Trim wants to keep savings at 10–20%, or work the numbers with the emergency fund calculator. # Inflation Calculator URL: https://moneycalcs-peach.vercel.app/inflation-calculator.html At 3% inflation, prices double about every 24 years. Enter an amount, an annual rate and years to see both directions of the math. ## How it works Future equivalent = amount × (1 + rate)^years. Today's-equivalent divides instead. US long-run CPI inflation is ~3%; recent years ran hotter. ## FAQ **What inflation rate should I use?** Long-run US average is ~3%. The Fed targets 2%. For conservative planning use 2.5–3%. **Does investing beat inflation?** Cash loses ~3%/yr to inflation. Stocks have returned ~7% above inflation historically — that's why idle cash has a real cost. # Net Worth Calculator URL: https://moneycalcs-peach.vercel.app/net-worth-calculator.html Net worth is the one number that tracks your whole financial life. List assets and debts — the calculator totals them and gives you the score. ## How it works Net worth = (cash + investments + home + car + other) − (mortgage + loans + cards + other debts). It can be negative early in a career — what matters is the trend. ## FAQ **What is a good net worth by age?** A common benchmark (Fidelity): 1× salary by 40, 3× by 50, 6× by 60. Median US net worth is ~$190k but the mean is far higher — compare to your age cohort, not billionaires. **Should I use market value for my home?** Yes, current market value minus selling costs (~6–8%) if you want conservative. Same for cars (use private-party value). **How often to calculate?** Quarterly. Monthly is noise; yearly misses the trend. # Rent Affordability Calculator URL: https://moneycalcs-peach.vercel.app/rent-affordability-calculator.html Landlords typically require 40× the monthly rent in annual income. The 30% rule is the classic budgeting guardrail. This calculator runs both directions. ## How it works Max rent = monthly gross income × 30%. Income needed = target rent ÷ 0.30 × 12. A 25% version is shown as the safer budget for anyone carrying debt or building savings. ## FAQ **30% of gross or net?** The classic rule uses gross. On net (take-home), 30% is genuinely comfortable; on gross, it can squeeze high-tax earners — treat gross-30% as the ceiling, not the target. **What do landlords check?** Usually income ≥ 40× monthly rent, credit 620–650+, and rental history. The calculator shows the 40× equivalent via the income-needed row. # Cost of Living / Moving Salary Calculator URL: https://moneycalcs-peach.vercel.app/cost-of-living-calculator.html A $90k salary buys very different lives in different cities. Enter your current salary and a comparable monthly cost basket (rent + groceries + transport) in both cities. ## How it works Ratio = target city basket ÷ current city basket. Required salary = current salary × ratio. Basket comparison tracks moving sites' methodology closely enough for a decision. ## FAQ **What should the basket include?** Rent (the biggest mover), groceries, transit/gas, utilities. It intentionally excludes income tax differences — adjust manually for states like CA vs TX. **Where do I find basket numbers?** Rent: current listings in the target city. Groceries/utilities: Numbeo-style city comparisons are accurate within ~10%. # Tip Calculator with Split URL: https://moneycalcs-peach.vercel.app/tip-calculator.html Enter the bill, pick a tip percentage, set the party size. Everyone's share appears instantly. ## How it works Tip = bill × tip%. Total = bill + tip. Per person = total ÷ people. Tip on the pre-tax amount is standard practice; on post-tax is generous. ## FAQ **What is standard tipping in 2026?** 18–20% at sit-down restaurants, $1–2 per drink at bars, 15% for delivery, 20% for personal services. Under 15% should signal real service problems. **Tip on tax or pre-tax?** Pre-tax is the convention; the difference is small (~1%). This calculator uses the bill amount you enter either way. # Vacation Budget Calculator URL: https://moneycalcs-peach.vercel.app/vacation-budget-calculator.html Trips blow budgets through undercounted line items. Enter each category, the number of days and travelers — get the true total and a monthly savings target. ## How it works Total = travel + lodging×days + food×days + activities + misc. Per person divides by party size; the savings row spreads it over 12 months. ## FAQ **What do people forget in trip budgets?** Airport transfers, resort fees, tips, travel insurance (~5% of trip), and the 'one nice dinner'. The misc field exists for exactly this — use 10–15% of total. **How far ahead to book flights?** Domestic: 1–3 months. International: 2–8 months. Tuesdays/wednesdays remain the cheapest days to fly. # Wedding Budget Calculator URL: https://moneycalcs-peach.vercel.app/wedding-budget-calculator.html The average US wedding runs $33–40k. Build yours from real line items: what you'll spend, what it costs per guest, and what to save monthly before the date. ## How it works Total = sum of all categories. Per-guest = total ÷ guest count (catering and favors scale with heads; venue and photo don't). Savings row spreads the total over your planning window. ## FAQ **What's the biggest wedding cost?** Venue + catering together are typically 45–50% of the budget. Guest count is the single strongest cost lever. **How much should a wedding cost?** There's no rule — median US is ~$20k, average ~$35k (skewed by big weddings). Budget what you can pay without financing; a wedding loan is the worst start to a marriage. # Baby Cost Calculator URL: https://moneycalcs-peach.vercel.app/baby-cost-calculator.html USDA pegs child-rearing at ~$16–18k/year for a middle-income family, before college. Model your own version: monthly run-rate, one-time gear, and your timeframe. ## How it works Total = monthly × 12 × years + one-time costs. The per-month row amortizes one-time costs across the period. ## FAQ **What are the biggest baby costs?** Childcare dominates — $8–15k/year for center care in most metros. Then food ($2–4k/yr with formula), healthcare, and gear in year one. **How much do the first-year one-timers run?** Crib, stroller, car seat, clothes, nursery: $2–5k new, roughly half secondhand. Diapers ~$900/year, formula ~$1,500/year if not breastfeeding. # Quit Smoking Savings Calculator URL: https://moneycalcs-peach.vercel.app/quit-smoking-calculator.html Cigarettes cost twice: at the register and in compounded lost savings. Enter your habit — see the yearly number and what it becomes invested over time. ## How it works Daily cost = cigarettes/day ÷ pack size × pack price. Yearly × 365. If invested, the annual savings are modeled as monthly contributions compounding at your chosen return. ## FAQ **How much does a pack-a-day habit cost in 2026?** At a $9 average pack, $3,285/year — and $250k+ over 30 years if invested at 7% instead. State taxes push many packs past $12–14. **What about vaping?** Vape costs are typically 40–60% of cigarettes, not zero — the calculator works for any daily spend habit. # State Income Tax Calculator URL: https://moneycalcs-peach.vercel.app/state-income-tax-calculator.html Most paycheck calculators use one flat state rate or stale tables. This one pulls the live 2026 database: graduated brackets for all 50 states + DC, local taxes where they apply, and the official federal tables (IRS Rev. Proc. 2025-32). Federal numbers compute instantly in your browser; the state result loads live and cites its sources. ## How it works Taxable income = gross − standard deduction (2026: $16,100 single / $32,200 joint / $24,150 HoH) − pre-tax deductions. Federal tax applies the 2026 IRS brackets (10–37%). FICA = 6.2% Social Security up to the $184,500 wage base + 1.45% Medicare + 0.9% additional Medicare above $200k. State tax comes from the live 2026 state database — nine states (TX, FL, WA, NV, SD, WY, TN, AK, NH) charge no income tax on wages. ## FAQ **Which states have no income tax in 2026?** Alaska, Florida, Nevada, South Dakota, Tennessee, Texas, Washington and Wyoming have no state income tax; New Hampshire taxes only interest and dividends (phasing out). Pick them in the dropdown — state tax shows $0. **What are the 2026 federal brackets?** Single: 10% to $12,400, 12% to $50,400, 22% to $105,700, 24% to $201,775, 32% to $256,225, 35% to $640,600, 37% above. The standard deduction is $16,100 single / $32,200 married filing jointly. **Does this include local taxes?** Yes, where the state database has them — e.g. New York City, Pennsylvania municipal taxes, Ohio school district taxes show as a separate local line. # IBAN Validator & Checker URL: https://moneycalcs-peach.vercel.app/iban-validator.html One wrong digit and an international transfer bounces — or worse, lands in someone else's account. Paste an IBAN: the mod-97 checksum runs instantly in your browser (it never leaves your device), then the live registry adds the bank name, SWIFT/BIC and country. ## How it works IBAN = country code + 2 check digits + BBAN (bank/account number, up to 30 alphanumeric chars). Validation: move the first 4 chars to the end, convert letters to numbers (A=10 … Z=35), compute mod 97 — a valid IBAN leaves remainder 1 (ISO 7064/13616). The checksum catches typos but not fake accounts, so the bank lookup confirms the number is actually registered. ## FAQ **What does a valid checksum prove?** Only that the digits are internally consistent — a typo or transposition is caught. It does NOT prove the account exists or belongs to someone. That's why we also show the registered bank and SWIFT. **Is my IBAN safe to paste here?** The checksum is computed locally in your browser. The bank lookup sends the IBAN to a public registry API to fetch bank details — don't paste account numbers you'd rather keep private; the format check alone needs nothing else. **What is SEPA?** The Single Euro Payments Area — 36 countries where euro transfers move like domestic ones, usually within one business day and often free or near-free. The validator shows whether the IBAN's country is in SEPA.