About FinanceWith Ease
We build free calculators and guides for everyday money questions: what you’ll take home from a salary or an hourly wage, what a mortgage really costs and how your savings can grow. Each one is built on the official rules for its country.
Take-home pay depends on details that many calculators skip. We model them, so the number you see is close to the one on your payslip.
- free calculators
- 72
- countries, each with its own rules
- 6
- US state and Canadian provincial tax systems
- 64
- guides written from official sources
- 191
What we cover
Tax rules differ by country, and often by state or province, so every calculator is built for where you live. Here’s what goes into the numbers in each country.
- United States 2026 tax year January to December Federal and state income tax, city and county taxes such as New York City’s, and state disability and paid-leave programs. 49 calculators
- Canada 2026 tax year January to December Federal and provincial tax in every province and territory, CPP and CPP2, EI, and Quebec’s own QPP and QPIP. 45 calculators
- United Kingdom 2026/27 tax year 6 April to 5 April Scotland’s separate income tax bands, National Insurance and student loan repayments. 36 calculators
- Australia 2026–27 tax year 1 July to 30 June The Medicare levy and surcharge, HELP repayments and employer super. 34 calculators
- Ireland 2026 tax year January to December Income tax, USC, PRSI and personal tax credits. 32 calculators
- New Zealand 2026–27 tax year 1 April to 31 March The ACC earners’ levy, KiwiSaver and student loan repayments. 28 calculators
How we get the numbers right
People use our calculators to plan real decisions, so accuracy comes first.
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Official sources first
Our figures come from the IRS and state revenue departments, the CRA and Revenu Québec, HMRC, the ATO, Ireland’s Revenue Commissioners and New Zealand’s Inland Revenue.
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One rulebook for every page
Each tax rule is entered once and shared by every page that uses it, so a calculator, a salary table and a tax-rate page can never disagree.
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Checked by hand
Before publishing a change, we work out sample salaries step by step from the official rules and compare them with our results.
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Updated every tax year
New rules go in as each tax year starts and whenever a law changes mid-year. When Georgia cut its rate in May 2026, back to January, we updated our figures to match.
Each calculator also lists what it leaves out, so you know when your situation may differ. Our methodology page lists the sources behind every data set and the date we checked it, and our editorial policy explains how we check and correct our work.
Keeping up with the rules
All key datesRecently updated
- US · 2 Nov 2026 Mortgage, affordability, refinance, rent vs buy and rental property calculators now start from Freddie Mac’s average 30-year rate of 7.24% (29 October 2026), down from 7.40%.
- All countries · 28 Oct 2026 Added a property tax calculator for the US, with a page for every state: the tax on a home from its value and the state’s typical rate, and how each state compares.
- All countries · 28 Oct 2026 Added a guide to the Autumn Budget 2026 for the UK: what changes for your pay, savings, ISAs, pension, property and bills, and when.
- All countries · 28 Oct 2026 State Pension calculator and guide for the UK updated with the 2027/28 rate of £250.70 a week, the Pension Tax Allowance and the triple lock change from April 2030.
Coming up
- US · Late Oct to mid-Nov 2026 Official 2027 tax brackets
- US · Late Oct to early Nov 2026 2027 401(k) and IRA limits
- Canada · Fall 2026, date to be announced Federal Budget 2026
- US · 1 Nov 2026 to 15 Jan 2027 Marketplace open enrollment
Free, private and independent
Free, no sign-up
Every calculator and guide is free to use on any device, with no account to create.
Private by design
Calculations run in your browser, and we don’t store what you enter.
Independent
The site is funded by advertising. Advertisers have no say over our calculators, figures or guides.
Spotted a number that looks wrong?
Tell us. Corrections are our top priority: we check every report against the official source and fix confirmed mistakes as quickly as we can. We’d also love to hear which calculator you’d like us to build next.
Our results are estimates for general information, not financial or tax advice. See our disclaimer.