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United States Tools & Reference

45 tools, 2 reference pages — Reference pages for US federal tax brackets, contribution limits, and statutory figures — reviewed periodically and linked to the relevant free calculator.

Every calculator, converter, and validator below is built around US rules — federal (and where relevant, state) tax brackets, standard deduction figures, and IRS contribution limits — instead of generic global defaults. Reference pages track the underlying brackets and limits separately, so a rate change doesn't require touching every calculator that uses it.

United States Specific Tools

Everyday

DMCA Takedown Notice Generator

Generate a DMCA takedown notice for copyright infringement. Enter the infringing URL and contact details for a ready-to-send notice template.

Format raw Employer Identification Numbers into XX-XXXXXXX instantly. Accepts bulk input, strips non-digits, with optional masking — all in your browser.

Historical USD Exchange Rate

Find out what $1 was worth in EUR, GBP, INR, JPY and more on any past date back to 1953, and compare it to today's exchange rate. Free, instant lookup.

Overtime Pay Calculator

Calculate your overtime pay instantly based on hourly rate, regular hours, and overtime hours worked. See your overtime rate, total OT earnings, and weekly pay.

Format raw Social Security Numbers into XXX-XX-XXXX instantly. Accepts bulk input, strips non-digits, and optionally masks digits — all in your browser.

US Cooking Measurement Converter

Convert US cooking measurements: cups, tablespoons, teaspoons, fluid ounces, pints, quarts, and millilitres. Perfect for US recipes. Free, in-browser.

US ZIP Code Validator

Validate US ZIP codes and ZIP+4 extended codes for correct format instantly. Identifies geographic region from the first digit — client-side, nothing stored.

W-2 / 1099 Sample Generator

Generate a sample W-2 or 1099-NEC/1099-MISC tax form summary for testing, training, or educational purposes. Free, runs client-side, no real data is uploaded.

ZIP Code Formatter

Format US ZIP codes into 5-digit or ZIP+4 (XXXXX-XXXX) format instantly. Accepts bulk input, strips non-digits, three output modes — all in your browser.

Finance

Validate US Employer Identification Numbers (EIN) for correct XX-XXXXXXX format instantly. Checks structure and prefix — free, client-side, nothing stored.

Medicare ID Validator

Validate a US Medicare Beneficiary Identifier (MBI) format instantly. Checks the 11-character alphanumeric structure per CMS specifications. Free, client-side.

NPI Number Validator

Validate a US National Provider Identifier (NPI) number instantly using the CMS modified Luhn checksum. Free, in-browser — no data uploaded.

Routing Number Validator

Validate US ABA routing numbers using the official checksum algorithm instantly. Decodes the Federal Reserve district and institution type — client-side only.

Validate whether a US Social Security Number follows the official format and passes SSA range rules. Browser-only — your SSN is never transmitted.

Health

ACFT Calculator

Score all 6 ACFT events - deadlift, power throw, push-ups, sprint-drag-carry, plank, and 2-mile run - against official Army Combat Fitness Test standards.

AFT Calculator (US Army Fitness Test)

Score the Army Fitness Test (AFT) events - deadlift, push-ups, sprint-drag-carry, plank, and 2-mile run - against age and sex-normalized standards.

Air Force PT Calculator

Score the Air Force PT test — push-ups, sit-ups, 1.5-mile run, and waist measurement — against official USAF composite scoring standards for all ages.

APFT Calculator

Score the legacy Army Physical Fitness Test — push-ups, sit-ups, and 2-mile run — against official age and sex-based APFT scoring tables instantly.

Army Body Fat Calculator

Estimate Army body fat percentage using the official circumference tape test method (neck, waist, hip) and check it against AR 600-9 standards.

Health Insurance Premium Estimator

Estimate your monthly health insurance premium based on age, household income, and plan tier. Instantly see your federal tax credit and net premium cost.

Navy Body Fat Calculator

Estimate body fat using the official U.S. Navy circumference method (neck, waist, hip) and check it against Navy body composition assessment standards.

Navy PRT Calculator

Calculate your US Navy Physical Readiness Test score from push-ups, curl-ups, and 1.5-mile run times by age and sex using official PRT standards.

Investment

401(k) Calculator

Project your 401(k) retirement savings including employer match and investment growth. See your balance at retirement based on your salary and return.

401(k) Contribution Calculator

Find out if you are contributing enough to get your full employer 401(k) match. See your annual match and the minimum rate to maximise free money.

529 Plan Calculator

Project your 529 college savings plan balance at college start. Calculate total contributions and how much you'll have saved for education expenses.

Capital Gains Tax Calculator

Calculate your US federal capital gains tax using 2025 IRS rates. Covers short and long-term gains for single, married, and head-of-household filers.

Calculate your IRS Required Minimum Distribution from traditional IRA and 401(k) accounts. Uses the 2022 Uniform Lifetime Table for ages 72 through 120.

Roth vs Traditional IRA Calculator

Compare Roth IRA vs Traditional IRA after-tax value at retirement using 2025 tax rules. Instantly see which account leaves more in your pocket.

Calculate your RSU vesting schedule, pre-tax value, estimated withholding tax, and net shares after tax. Model a 4-year vest or a custom schedule.

Social Security Benefits Estimator

Estimate your monthly Social Security benefit at any claiming age from 62 to 70. See how early or late claiming affects your monthly check and lifetime payout.

US Net Worth Calculator

Calculate your US net worth instantly. List assets — 401(k), stocks, real estate — then subtract mortgage and other debts to get your true financial picture.

Loan

Car Lease Calculator

Calculate your monthly car lease payment based on vehicle price, residual value, and interest rate. Understand depreciation vs finance fees before you sign.

Closing Costs Calculator

Estimate buyer closing costs for a US home purchase with a full line-item breakdown. Covers lender fees, third-party fees, prepaids, and escrow reserves.

HELOC Calculator

Estimate your available home equity, maximum HELOC limit, and monthly payments for both the draw period and repayment period in seconds, free online.

Home Affordability Calculator

Find out what price home you can afford based on your income, savings, and existing debt payments. Calculates maximum home price and required down payment.

Calculate your monthly and annual Private Mortgage Insurance cost, plus the total PMI you'll pay until your LTV reaches 78% and PMI is removed, free.

Student Loan Forgiveness Calculator

Estimate your monthly IDR payment and loan forgiveness amount under SAVE, PAYE, IBR, ICR, or PSLF. See total paid and years until forgiveness in seconds.

Security

AAMVA Barcode Validator

Validate the AAMVA 2D barcode data from a US/Canada driver's licence. Checks the PDF417 barcode header, subfile structure, and data elements.

Tax

Federal Income Tax Calculator

Calculate your 2024 US federal income tax owed, effective rate, and marginal bracket by filing status, with standard or itemized deductions.

Payroll Tax Calculator

Calculate how much federal income tax, Social Security, and Medicare is withheld from each paycheck. See your net take-home pay by filing status in seconds.

Property Tax Calculator

Estimate your annual US property tax by home value, assessment ratio, local tax rate, and exemptions. See your assessed value and escrow amount.

Sales Tax Calculator

Calculate US sales tax on any purchase by entering the state and local tax rates. See the tax amount, total price, and combined effective rate.

Self-Employment Tax Calculator

Calculate Social Security and Medicare self-employment tax for freelancers, 1099 contractors, and sole proprietors, for tax year 2024 instantly.

Tax Refund Estimator

Estimate your 2024 federal tax refund or amount owed based on income, filing status, deductions, and federal withholding — under 60 seconds.

W-4 Withholding Calculator

Calculate correct federal paycheck withholding to avoid underpayment penalties or a large refund, comparing tax liability to withholding instantly.

Rates & Reference

US Federal Income Tax Brackets

2024 IRS federal income tax brackets by filing status, plus standard deduction amounts. See exactly which rate applies to each slice of your income.

Data as of Tax Year 2024

US Retirement Account Contribution Limits

2024 IRS contribution limits for 401(k), IRA, and HSA accounts, including catch-up amounts for savers 50 and older. See exact dollar caps at a glance.

Data as of Tax Year 2024

United StatesArticles & Guides

Best US Loan Calculators: Mortgage, HELOC, Auto, and Student Loans

How to Calculate Overtime Pay Under the FLSA

How to Use a HELOC Without Overleveraging Your Home

Student Loan Forgiveness Programs Explained: PSLF, SAVE, and More

W-2 vs 1099: Employee or Independent Contractor?

When to Refinance Your Mortgage

Is Solar Worth It? The Full Energy + Finance Calculator Stack

The Soap & Cosmetics Maker's Startup Kit

Professional Document Generators: Signatures, DMCA & Tax Forms

US Everyday Formatters: Addresses, Phone Numbers & Currency

Verifying Identity Documents: A US ID & Records Validation Guide

ACFT vs APFT — What Changed in Army Fitness Testing

How to Read Your Natural Gas Bill (Therms vs CCF)

Military Fitness Test Guide — ACFT, APFT, Navy PRT & Air Force PT

403(b) vs 401(k) — Key Differences in 2026

How to Calculate RSU Tax

How to Save for College with a 529 Plan

401(k) vs IRA — Which to Fund First?

Best Free Financial Calculators for Americans 2026

Best Mortgage Calculators in the US 2026

Best Retirement Calculators for US Workers 2026

Best US Tax Calculators 2026

How to Calculate Your Debt-to-Income Ratio

How to Calculate Mortgage Payments

How to Estimate Your US Tax Refund

How to Maximize Your 401(k)

Index Funds vs Active Funds — What the Data Says

Renting vs Buying a Home — US 2026

Roth IRA vs Traditional IRA — Full Comparison

Social Security vs Private Pension — Retirement Income Compared

Term Life vs Whole Life Insurance — Full Comparison

US Debt Payoff Guide 2026

US First-Time Home Buyer's Guide 2026

US Home Buying Guide 2026

US Retirement Planning Guide 2026

US Tax Filing Guide 2026

United States Worked Examples

Claiming Social Security at 62 on a $2,000 Full-Retirement Benefit

Federal Income Tax on an $85,000 Salary (Single Filer)

Maxing Out a $23,000 401(k) Contribution — Projected Balance

Frequently Asked Questions

Are the US-specific calculators free to use?

Yes. Every calculator, converter, and validator on this page is free, requires no sign-up, and runs entirely in your browser.

Do these calculators use federal or state tax rules?

Federal rules by default; where a calculator's description says it accounts for state-level figures (e.g. state sales tax, property tax), that's noted on the tool itself.

How current are the tax brackets and limits shown here?

Reference pages show a "data as of" date and a review cadence (monthly, quarterly, or annual) so you can judge freshness at a glance. Always confirm figures with the IRS or an official source before filing.

Can I share a calculation with someone else?

Yes — every input is written to the page URL as you type, so copying the link shares the exact calculation, no account or export step needed.