About Calcyet

Calcyet is a free set of U.S. money calculators that show their work. Every result comes with the formula. Every result comes with the steps, using your numbers. And every tax rate or limit comes with its official source.

Why we built it

Most calculators give you one number and ask you to trust it. That's a problem. Sometimes that number decides how much house you can afford. Sometimes it decides what a raise is worth after taxes. Sometimes it decides how long a credit card balance stays with you. You should be able to see how the number was reached. You should be able to check it yourself. Put another way, a number you can't check is a number you have to take on faith.

What you will find here

• Salary & Wages — Turn hourly pay into a yearly salary, or a salary into hourly pay. Before taxes and after taxes.
• Paycheck & Taxes — Take-home pay in every state. It uses 2026 federal tax, FICA and state income tax.
• Mortgage & Home — Your monthly mortgage payment, how much house you can afford, and the full payment schedule.
• Loans & Debt — Car payments, personal loans, student loans and credit card payoff.
• Saving & Investing — Compound interest, your 401(k), retirement and savings goals.
• Percentages — Percent of a number, percent change, sale prices and tips.
• Dates & Time — Your exact age, days between two dates, business-day deadlines and Tax Day.

Everything is free. There are no accounts and no paywalls. The full list is on the all calculators page.

How our calculators are built and checked

• Primary sources only. Tax brackets, standard deductions and payroll limits come from the IRS, the Social Security Administration and state revenue departments. They don't come from other calculator sites. Each source is listed on our methodology page.
• Standard formulas. Loan payments use the standard amortization formula. Savings use compound interest. Percentages use plain arithmetic. Each page shows its formula.
• Tested logic. The math for each section lives in its own module. That module has automated checks against examples worked out by hand. So a change that breaks a result gets caught before it goes live.
• Reviewed for each tax year. The IRS publishes new figures. A state publishes new figures. Then we update the numbers and the "Updated" date on the pages they touch.

Your privacy

Calculations run in your browser. The numbers you type are not sent to us. They are not stored. The site pays for itself with Google AdSense ads, and those ads use cookies. The details are in our privacy policy.

Who is behind Calcyet

Calcyet is an independent site run by a small team. We are not a bank, a lender, a broker, a tax preparer or a financial advisor. We don't sell financial products. We don't get commissions for recommending them either. Results are estimates, not tax, legal or financial advice. For a decision with real money on the line, check with a qualified professional. Our terms of use say the same thing.

Found an error?

Accuracy comes first on this site. Does a result look wrong? Is a figure out of date? Please contact us or email contact@calcyet.com. We read every report. When the error is real, we fix it.

Updated: October 2, 2026 · Sources and methodology