Our Mission
We provide free, accurate financial calculators to help people make informed decisions about their money. Whether you're calculating your paycheck, planning retirement, or buying a home, we believe everyone deserves access to professional-grade financial tools—without cost or complexity.
Who We Are
Financial Calculators was created to address a simple problem: most online calculators are either inaccurate, difficult to use, or hidden behind paywalls. We built this site to provide:
- Accuracy: All tax rates verified against official IRS and state revenue department sources
- Privacy: Calculations performed locally in your browser—we never see your data
- Simplicity: Clean, intuitive interfaces that anyone can use
- Transparency: Clear explanations of how calculations work
- Free Access: No registration, no hidden fees, no paywalls
Our Calculators
State Paycheck Calculators
We provide accurate paycheck calculators for 12 states, each with verified 2024 tax rates:
- Zero-Tax States: Washington, Texas, Florida (0% state income tax)
- Low-Tax States: Arizona (2.5%), North Carolina (4.5%), Colorado (4.4%), Utah (4.55%)
- Progressive Tax States: California, New York, Massachusetts, Missouri, Georgia
Each calculator includes:
- Accurate federal tax brackets (2024 rates)
- State-specific tax calculations
- FICA (Social Security & Medicare) calculations
- Standard deductions and personal exemptions
- Take-home pay breakdown
Financial Planning Calculators
- Mortgage Calculator: Monthly payments, amortization schedules, total interest
- 401(k) Calculator: Retirement projections with employer matching
- Compound Interest Calculator: Investment growth visualizations
- Rent vs. Buy Calculator: Housing decision analysis
- Percentage Calculator: Quick percentage calculations
Our Commitment to Accuracy
How We Ensure Accuracy
Data Sources: All tax rates are verified against official government sources:
- Federal tax brackets: IRS Publication 15 (Circular E)
- State tax rates: Individual state revenue department websites
- FICA limits: Social Security Administration annual updates
- Standard deductions: IRS Revenue Procedures
Regular Updates
We update our calculators annually (every January) to reflect new tax laws and rates. Mid-year updates are made whenever states change tax rates.
Verification Process
Each calculator is tested with multiple salary scenarios to ensure accuracy:
- Low income ($30,000-50,000)
- Middle income ($50,000-100,000)
- High income ($100,000-200,000)
- Very high income ($200,000+)
Results are cross-referenced with official tax calculators from government agencies and reputable financial institutions.
Why Trust Our Calculators?
1. Transparent Methodology
We clearly explain how each calculation works. No "black box" algorithms—you can see exactly where your numbers come from.
2. Source Citations
Every tax rate and formula is sourced from official government publications. We link directly to IRS and state revenue department websites.
3. Privacy First
Your financial data never leaves your device. All calculations are performed locally in your web browser using JavaScript. We never see, store, or transmit your personal information.
4. No Hidden Agenda
We're not affiliated with any financial institution, tax preparation service, or government agency. Our only revenue comes from ethical, non-intrusive advertising.
5. Regular Maintenance
We monitor tax law changes throughout the year and update calculators immediately when rates change.
What We Don't Do
To maintain trust and accuracy, we:
- ❌ Don't provide tax advice (use a licensed tax professional)
- ❌ Don't collect personal financial information
- ❌ Don't sell user data to third parties
- ❌ Don't require registration or email addresses
- ❌ Don't guarantee results for legal/tax purposes
Important Disclaimers
Educational Purpose: Our calculators are for informational and educational purposes only. They provide estimates based on the information you provide.
Not Professional Advice: Results should not be considered professional financial, tax, or legal advice. Always consult with a qualified professional for personalized guidance.
No Warranty: While we strive for accuracy, we cannot guarantee that calculations are error-free or suitable for your specific situation.
Future Plans
We're continuously working to improve and expand our calculator suite:
- More States: Expanding to cover all 50 states
- Additional Calculators: Loan calculators, budget planners, investment tools
- Enhanced Features: PDF export, comparison tools, historical tracking
- Educational Content: Guides and articles on financial planning topics
Contact Us
We value your feedback and questions:
- General Inquiries: Use our Contact Form
- Report Errors: If you find an inaccuracy, please let us know immediately
- Feature Requests: Tell us what calculators you'd like to see
- Partnership Inquiries: For business partnerships or collaborations
Response Time: We typically respond within 24-48 hours.
Supporting Our Mission
This website is funded entirely through ethical advertising (Google AdSense). By visiting our site and using our calculators, you help us keep these tools free for everyone.
We never:
- Place ads within calculator forms
- Use intrusive pop-ups or video ads
- Track individual financial calculations
- Sell user data or calculator inputs
Thank You
Thank you for trusting Financial Calculators with your financial planning needs. We're committed to maintaining accurate, private, and accessible tools for everyone.
— The Financial Calculators Team