UUS Finance
US Finance Tools Hub

Precision financial calculators for American households.

Built on the 2025 IRS brackets, FICA, and the tax codes of all 50 states. Run your numbers in seconds — privately, in your browser.

Estimate my refund Calculate take-home pay
5
Calculators
50
States
2025
Tax Year
Std. Deduction (Single)
$15,000
Tax year 2025 — IRS Rev. Proc. 2024-40
Top Federal Bracket
37%
Taxable income > $626,350 (2025)
FICA (Employee)
7.65%
6.2% SS (up to $176,100) + 1.45% Medicare
Avg. 30-yr Mortgage benchmark
6.85%
National reference rate

Calculators

Methodology
Federal · 2025 brackets

IRS Tax Refund Calculator

Estimate your 2025 federal refund or balance due in seconds. Supports all filing statuses.

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50 states + DC

Salary After Tax Calculator

See your take-home pay after federal, state, and FICA taxes. All 50 states supported.

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28/36 rule built-in

Mortgage & Affordability

Calculate your monthly payment or find out exactly how much house you can afford.

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Income-first approach

Home Affordability Calculator

Start with your income and find the maximum home price you should consider.

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Listing qualification check

House Affordability Estimator

Enter a specific listing price and see the income required plus true 30-year cost.

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Popular state pages

All 50 states →
SalaryTax RefundMortgage
CACaliforniaTXTexasNYNew YorkFLFloridaILIllinoisWAWashingtonMAMassachusettsGAGeorgia
CA Tax Refund·TX Mortgage·$100k after tax CA·$80k after tax TX·$120k after tax NY

From the guides

All guides →

Market reference

  • Federal funds rate5.25–5.50%
  • Social Security wage base$176,100
  • 401(k) limit (under 50)$23,000
  • HSA family limit$8,300
  • Mortgage 15-yr (ref.)6.05%

Why professionals trust us

  • Client-side only
    Your income, withholding, and loan figures never leave your device.
  • All 50 states + DC
    Maintained against current state DOR effective rate tables.
  • IRS-aligned math, standard deductions, and FICA limits.

Frequently asked questions

Are these calculators free?
Yes. Every tool on US Finance Tools Hub is 100% free with no signup required.
How accurate are the estimates?
We use the latest 2025 IRS federal tax brackets (Rev. Proc. 2024-40), FICA rates, and state tax data. Results are estimates and should not replace advice from a tax professional or licensed financial advisor.
Do you store my financial information?
No. All calculations run in your browser. We don't store, transmit, or save your salary, income, or mortgage details.
Which states are supported?
All 50 US states plus the District of Columbia are supported in our salary and tax tools.