Personal Finance Calculators
Free calculators for credit card points, miles, and personal finance.
Points & miles value
- How much are Ultimate Rewards points worth?
- How much are Membership Rewards points worth?
- How much are Mileage Plan miles worth?
- How much are Capital One miles worth?
- How much are ThankYou points worth?
- How much are Bilt points worth?
Retirement, savings & investing
- 401(k) growth calculator (2026 limits)
- RSU tax calculator: what you keep when shares vest
- Bonus tax calculator: withholding on supplemental pay
- Capital gains tax calculator (2026 brackets + NIIT)
- Savings interest calculator: HYSA growth with monthly deposits
Take-home pay by state (2026)
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Guides
- How bonuses are actually taxed
- RSU taxes, explained
- Marginal vs. effective tax rates
- 401(k) basics for 2026
- Reading your paycheck, line by line
- The 0% capital gains bracket
- How we value points and miles
- All guides
How these calculators work
Every number on this site traces back to a primary source. Tax figures come from IRS revenue procedures and each state's own 2026 withholding publications; points and miles valuations are refreshed against the major published valuation surveys, with the retrieval date shown on every page. Nothing is estimated from memory, and each calculator explains its assumptions — what's modeled, what's simplified, and what's deliberately left out — directly on the page.
These are planning tools, not advice. They assume common defaults (single filer, standard deduction, no local taxes) so you can see the shape of a decision quickly; your own return will differ in the details. If you spot a number that looks off, tell us — corrections ship fast. More about how the site is run is on the about page.