U.S. Utilities

Built for the rules, rates and standards that make America America.

Practical calculators grounded in official U.S. sources. Each tool identifies the rule or rate it uses, the period it applies to, important exclusions and where to verify the source.

How U.S. tools are sourced and updated

Taxes, self-employment & investing

Federal tax rules, payment thresholds and holding-period rules that change by tax year or income pattern.

Federal Income Tax Bracket Calculator 2026Estimate regular federal income tax, marginal bracket and effective rate from taxable income.1099 & Self-Employment Tax Calculator 2026Estimate regular Schedule SE tax from net self-employment profit and the 2026 wage base.Estimated Tax Safe Harbor Calculator 2026Estimate a simplified federal annual-payment target using current- and prior-year safe-harbor rules.Stock Capital Gains Tax Calculator 2026Estimate federal tax attributable to a short- or long-term stock gain.

Social Security, Medicare, retirement & benefits

Federal benefit taxation, Medicare income-related premiums, retirement limits, phaseouts and distribution rules.

Taxable Social Security Benefits CalculatorEstimate the taxable portion of benefits using the regular IRS Publication 915 worksheet logic.Medicare IRMAA Calculator 2026Estimate Part B and Part D income-related surcharges from MAGI and filing status.401(k) Contribution Calculator 2026See the age-based employee deferral limit and per-paycheck amount needed to max it out.HSA Contribution Calculator 2026Estimate HSA contribution room using 2026 IRS limits and the age-55 catch-up.Roth IRA Contribution Calculator 2026Estimate direct Roth IRA contribution room using filing status, MAGI and compensation.RMD Calculator 2026Estimate a required minimum distribution using the IRS Uniform Lifetime Table.

Work, payroll & wages

Federal payroll rules, wage baselines, supplemental-pay withholding and take-home-pay planning.

Federal Take-Home Pay Calculator 2026Estimate federal-only annual and per-paycheck take-home pay after federal income tax and employee FICA.U.S. Overtime Pay CalculatorApply the federal FLSA baseline for covered nonexempt hourly workers.FICA Calculator 2026Estimate Social Security and Medicare payroll taxes using 2026 federal thresholds.Bonus Tax Calculator 2026Estimate federal supplemental-wage withholding plus employee payroll taxes.Minimum Wage by State 2026Look up the general state baseline using the DOL snapshot effective July 1, 2026.Federal Business Days CalculatorCount weekdays in 2026–2027 while excluding official OPM-observed federal holidays.

Travel & reimbursement

Agency rates that depend on fiscal year, date, trip or mileage purpose.

GSA Per Diem CalculatorEstimate lodging plus meals and incidental expenses using applicable GSA rates.IRS Mileage Calculator 2026Apply official 2026 IRS mileage rates, including the mid-year rate change.

Trust standard for U.S. utilities

These are not generic calculators with U.S. keywords added. The answer changes because a U.S. law, tax rule, benefit limit, agency rate, jurisdiction or effective date changes the calculation.

Primary government sources are linked on each tool. Year-specific tools state their year, important exclusions and a genuine last-reviewed date.

Read the U.S. Sources & Update Methodology · Read the site-wide editorial policy.

Current review status

The U.S. collection now contains 18 rule-based utilities. Phase U7 added federal take-home pay, taxable Social Security benefits and 2026 Medicare IRMAA tools, reviewed on September 17, 2026.