About USA-Calc
USA-Calc is a free financial calculator platform built for people living and working in the United States. Every calculator uses real data — IRS tax brackets, BLS salary data, Freddie Mac mortgage rates — so the numbers you see reflect what you'd actually pay or earn, not estimates.
What We Cover
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Salary After Tax
Take-home pay for all 50 states across 25 income levels — federal + state + FICA.
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Tax Calculators
Federal income tax, capital gains, self-employment, and state income tax.
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Mortgage
Monthly payment breakdowns by state and home price, including PMI and amortization.
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Loan Calculators
Personal, auto, student, and credit card payoff calculators with amortization.
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Health Tools
BMI, calorie deficit, TDEE, heart rate zones, and weight loss timelines.
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Career & Salary
Salary data by profession from entry level to senior, plus career guides.
Editorial Team
Every guide and calculator on USA-Calc is bylined by a domain analyst with at least seven years in their field. Our authors review their own pages every quarter to catch IRS bracket changes, rate shifts, and new regulations.
Marcus Holloway
Senior Personal Finance Analyst · 12+ years
Marcus has spent 12 years analyzing consumer lending, refinancing strategies, and household balance sheets. Former credit analyst at a regional bank, he focuses on translating dense Fed and CFPB data into decisions readers can act on the same day.
Areas of expertise
Personal lendingStudent loansAuto loansRefinancingDebt payoff
Priya Ramanathan, EA
Enrolled Agent · Tax Policy Writer · 9+ years
Priya is an IRS-credentialed Enrolled Agent with 9 years preparing federal and multi-state returns for W-2, 1099, and small-business filers. She tracks every annual IRS bracket and deduction change and publishes them within 48 hours of release.
Areas of expertise
Federal income taxCapital gainsSelf-employment taxState taxTax planning
Devon Castillo
Credit & Debt Strategist · 8+ years
Devon worked 8 years inside FICO score modeling and credit-bureau dispute teams before moving to consumer education. He specializes in score-recovery timelines, debt cascade math, and the fine print on balance-transfer offers.
Areas of expertise
Credit scoringFICO modelDebt payoffCredit cardsScore recovery
Janelle Okafor
Labor Economist · Career Data Analyst · 7+ years
Janelle pulls BLS, O*NET, and state Department of Labor data into career-comparison guides that have been cited by university advising offices. She holds an MA in Labor Economics and 7 years in workforce research.
Areas of expertise
Salary benchmarkingBLS dataOccupational outlookCareer switching
Theo Bergmann
Marketing & Unit-Economics Analyst · 10+ years
Theo spent 10 years building reporting stacks for B2B SaaS companies, focusing on the LTV/CAC, ROAS, and payback-period dashboards that boards actually look at. He writes about marketing math the way an operator uses it — not the way an agency sells it.
Areas of expertise
LTV/CACROASUnit economicsMarketing attributionB2B SaaS metrics
Rivka Sterling
Compensation & Tax Specialist · 11+ years
Rivka builds the after-tax salary models behind several HR platforms and has 11 years cross-referencing IRS, SSA, and state withholding tables. She updates state-by-state take-home numbers as soon as withholding schedules change.
Areas of expertise
Federal withholdingState income taxFICATake-home payPay frequency
Our Data Sources
Tax calculations use official IRS publication data for federal income tax brackets, standard deductions, FICA rates, and capital gains thresholds. State income tax rates come from individual state revenue department publications. Salary data is sourced from the Bureau of Labor Statistics (BLS) Occupational Employment and Wage Statistics program. Mortgage rate assumptions reference Freddie Mac Primary Mortgage Market Survey data. Per diem rates use the GSA CONUS/OCONUS schedules.
Editorial Standards
We do not accept payment for inclusion in any guide, calculator, or comparison table. Affiliate links, when used, never influence rankings or ratings — they only appear on pages where the comparison would exist regardless of revenue. Every authored page is reviewed at minimum quarterly and updated within 48 hours when IRS or major federal rates change.
Read our full calculation methodology for formulas, rounding rules, and how we handle edge cases.
Accuracy & Disclaimer
USA-Calc calculations are for informational and educational purposes only. Results are estimates based on general tax rules and may not reflect your specific situation. Tax laws change, and individual circumstances vary. Always consult a qualified tax professional or financial advisor before making financial decisions.
No Sign-Up Required
All calculators work instantly — no account, no email, no personal data collected. Calculations run in your browser. We never see what you type into any calculator.
Contact
Questions, corrections, or suggestions? We welcome feedback. Contact us here or email hello@usa-calc.com.