Calculate Life's
Biggest Decisions
Compare scenarios with real federal & state tax brackets, 100+ city cost of living data, and 10-year financial projections.
Take Home
$105,430
Housing
$3,500/mo
10-Year Wealth
$0
Take Home
$113,520
No state income tax
Housing
$1,900/mo
10-Year Wealth
+$325,000
Take Home
$108,210
4.4% state tax
Housing
$2,100/mo
10-Year Wealth
+$187,000
Financial Calculators
Comprehensive tools powered by real data — 2026 tax brackets, 100+ metros, all 50 states.
Scenario Comparison
Most PopularCompare up to 4 life scenarios with real tax calculations, COL adjustments, and 10-year wealth projections.
Relocation Calculator
100+ CitiesCity-to-city financial comparison across 100+ US metros with progressive tax brackets and housing data.
Rent vs Buy
NewBreakeven analysis with mortgage amortization, opportunity cost modeling, and wealth projection over time.
Job Offer Comparison
NewTotal compensation analysis — base, equity, 401k match, benefits, PTO — all adjusted for cost of living.
Essential Calculators
Quick-access tools for everyday financial questions.
Income Tax Calculator
2026 federal & state tax brackets with effective rate and bracket-by-bracket breakdown.
Paycheck Calculator
Salary to take-home pay with 401k, health insurance, and pay frequency options.
Mortgage Calculator
Monthly payment breakdown with full amortization schedule and interactive chart.
Cost of Living Calculator
Compare living costs between any two cities across 6 spending categories.
Retirement Calculator
Find out if you're on track to retire. Compound growth projections with 4% withdrawal rule analysis.
401(k) Calculator
2026 contribution limits, employer match projections, tax savings from pre-tax contributions.
Self-Employment Tax
SE tax calculator for freelancers and 1099 workers. Federal, state, and quarterly estimated payments.
Home Affordability
How much house can you afford? DTI analysis with conservative, standard, and aggressive ranges.
Savings Calculator
Compound interest projections with customizable contributions, rates, and time horizon.
Salary Converter
Convert between hourly, daily, weekly, bi-weekly, monthly, and annual pay instantly.
Auto Loan Calculator
Estimate monthly car payments with term comparison and amortization breakdown.
Debt Payoff Calculator
Snowball vs avalanche strategies. Find the fastest path to debt freedom.
Roth IRA Calculator
2026 contribution limits, eligibility check, tax-free growth vs taxable comparison.
Net Worth Calculator
Tally assets vs liabilities to see your complete financial picture.
Inflation Calculator
See how inflation erodes purchasing power over time.
Student Loan Calculator
Payment estimation with extra payment impact analysis and payoff timeline.
Credit Card Payoff
See the minimum payment trap and how fixed payments accelerate payoff.
Budget Calculator
50/30/20 rule budgeting with needs, wants, and savings allocation.
Compound Interest
See the power of compounding with daily, monthly, or annual frequency.
Refinance Calculator
Should you refinance? Breakeven analysis with total savings projection.
Emergency Fund
How much emergency savings you need based on your risk profile.
Personal Loan
Monthly payment estimator with term comparison and origination fees.
CD Calculator
Certificate of deposit earnings with APY, compounding, and term comparison.
Capital Gains Tax
2026 short-term and long-term rates with NIIT and state tax calculation.
Rental Property
Cash flow, cap rate, cash-on-cash return, and 10-year equity projection.
Divorce Calculator
Estimate divorce costs, alimony, child support, and asset division.
Baby Cost Calculator
First-year gear, childcare by state/city, and 5-year projections for the cost of having a baby.
Paid Family Leave
State PFL benefits, income gap analysis, and savings plan for maternity or paternity leave.
Salary Lookup
Look up salaries for 30+ occupations by experience level, adjusted for 20+ metro areas.
Tax Brackets by State
2026 income tax rates for all 50 states.
Cost of Living by City
Explore living costs in 100+ US metro areas.
2026
Tax Bracket Data
100+
US Metro Areas
50
State Tax Rates
10yr
Wealth Projections
Why use LifeCalc for your financial planning?
Unmatched Accuracy
We don't "estimate" taxes. We apply real 2026 IRS progressive brackets and state-specific tax laws to every calculation.
Holistic Modeling
Most tools look at one number. We look at the intersection of income, taxes, housing, and cost of living to find your true purchasing power.
10-Year Projections
See the compound effect of your decisions. A small savings difference today can result in a $500k wealth gap over a decade.
Frequently Asked Questions
How accurate are the cost of living numbers?
Our indices are based on BLS CPI data and localized housing market reports for over 100 US metro areas, updated quarterly.
Can I export my comparison results?
Yes! Every calculator supports PDF export and shareable URLs that encode your inputs so you can save your scenarios.
Is my data private?
LifeCalc does not require an account or store your personal financial data on our servers. Your inputs remain in your browser.
Ready to decide with confidence?
Stop guessing. Compare your options with real financial data.