Crunch your pay in seconds

Take-home pay by state, overtime, bonuses, estimated tax and debt payoff — 50 free calculators on 2026 federal and state tax tables. No sign-up, no spreadsheets: type your numbers and get an instant, clearly explained answer.

Pay & Wages

Annualized Income CalculatorProject full-year income from YTD earnings or one paycheck.Biweekly Pay CalculatorYour paycheck on a 26-check biweekly schedule, plus your payday calendar.Blended Overtime Rate CalculatorThe correct FLSA weighted-average OT rate for two-rate weeks.Bonus Tax CalculatorWhat lands in your account after a bonus is withheld — and what it truly costs.California Paycheck CalculatorCA take-home with state brackets and the uncapped 1.3% SDI.Colorado Paycheck CalculatorCO take-home — 4.40% flat tax plus the FAMLI premium.Double Time Pay CalculatorYour 2× rate and pay, plus when double time actually applies.Florida Paycheck CalculatorFlorida take-home pay — no state tax, just federal + FICA.Freelance Hourly Rate CalculatorThe rate your freelance business must charge to hit your target.Gross-Up CalculatorThe gross payment that lands an exact net amount after taxes.Holiday Pay CalculatorWhat a holiday shift pays under your company’s policy.Hourly to Salary CalculatorTurn an hourly wage into annual, monthly and biweekly income.Illinois Paycheck CalculatorIL take-home — 4.95% flat tax after the personal exemption.Michigan Paycheck CalculatorMI take-home — 4.25% flat tax plus city income tax.Mileage Reimbursement CalculatorBusiness miles × the current 2026 IRS rate (or your own).New York Paycheck CalculatorNY take-home with 2026 brackets — NYC resident tax optional.Night Shift Pay CalculatorYour graveyard-shift rate and what nights add per year.North Carolina Paycheck CalculatorNC take-home — 3.99% flat tax after the standard deduction.On-Call Pay CalculatorStandby stipend + call-in pay with minimum-hour guarantees.Overtime Pay CalculatorYour total weekly pay with overtime at 1.5×, 2× or any rate.Pay Raise CalculatorWhat a % or $ raise adds to each paycheck and your year.Pennsylvania Paycheck CalculatorPA take-home with the 3.07% flat tax and its 401(k) quirk.Per Diem CalculatorTrip per diem with FY2026 GSA rates and the 75% day rule.Prorated Salary CalculatorYour partial paycheck when starting or leaving mid-period.PTO Payout CalculatorWhat your unused vacation hours are worth when you leave.Quarterly Estimated Tax CalculatorWhat to send the IRS each quarter — and the safe harbor that can make it much less.Retro Pay CalculatorWhat a backdated raise really owes you — overtime true-up included.Salary to Hourly CalculatorWhat your annual salary works out to per hour.Severance Pay CalculatorEstimate your package from pay, tenure and weeks-per-year.Shift Differential CalculatorNight/evening premium pay and your blended hourly rate.Take-Home Pay CalculatorYour salary after 2026 federal, FICA and state taxes.Texas Paycheck CalculatorTexas take-home pay — no state tax, just federal + FICA.Time and a Half CalculatorWhat 1.5× your hourly rate is, and what those hours pay.Unpaid Time Off CalculatorWhat unpaid days actually cost from your paycheck.Vacation Accrual CalculatorPTO earned per period and your projected future balance.Washington Paycheck CalculatorWA take-home pay — no income tax, but two payroll premiums.Weekend Pay CalculatorYour Saturday/Sunday premium rate and what a weekend shift pays.

Debt & Loans

Biweekly Mortgage CalculatorWhat 26 half-payments a year save vs. monthly payments.Credit Card Minimum Payment CalculatorHow long minimum payments really take — and what they cost.Debt Avalanche CalculatorHighest-APR-first plan that minimizes total interest.Debt Snowball CalculatorSmallest-balance-first payoff plan with your debt-free date.Debt-to-Income Ratio CalculatorYour DTI vs. the 28/36 rule and lender limits.Extra Mortgage Payment CalculatorWhat extra principal — monthly or lump sum — saves you.Loan Payoff CalculatorPayoff date for any loan — and what extra payments save.

Everyday Money

50/30/20 Budget CalculatorSplit take-home pay into needs, wants and savings.Emergency Fund CalculatorYour 3–6 month target, the gap, and time to fund it.Prorated Rent CalculatorFair partial-month rent for any move-in or move-out date.Rent-to-Income Ratio CalculatorYour ratio vs. the 30% rule and the landlord 3× requirement.Savings Goal CalculatorThe monthly deposit that reaches your goal on schedule.Tip CalculatorTip, total and per-person split in one tap.

Why CrunchMyPay?

Every calculator on this site is built by hand around one specific question, shows its formula and a worked example, and is reviewed against current U.S. rules and common payroll conventions. Results update as you type, and nothing you enter ever leaves your browser — all math runs locally on your device.