Salary, Tax & Career
Calculators
Free browser-based salary, tax, and career calculators. No login is required, and supported calculators process calculation inputs locally in your browser.
PenGenie is an independent platform, not a government service or official tax authority. Calculator results are estimates for planning; verify important figures against current official documentation.
Why Professionals Choose PenGenie
PenGenie is designed for direct, transparent planning. Supported calculators run locally in your browser where possible; analytics, advertising, and server-backed features may still make network requests. Review the assumptions and verify important figures with current official sources.
Explore our core calculators: Mortgage, Debt Payoff, Retirement, FIRE, and tax-planning tools built for transparent scenario estimates.
Frequently Asked Questions
Get answers about browser security, calculation accuracy, and how our privacy-first tools work.
Is PenGenie free to use?
Yes. PenGenie is 100% free to use, and our browser-based utilities do not require an account.
Do I need to sign up?
No. PenGenie is designed for direct access without signups, billing, or gated tool directories.
What can I use these tools for?
You can model mortgages, taxes, debt payoff, savings, retirement, paychecks, and career planning scenarios.
How does PenGenie protect my data?
Where a calculator supports local processing, its calculation inputs stay in your browser. Site analytics, advertising, and server-backed features may still generate network requests.
Are there paid plans?
No. PenGenie is a 100% free financial and career calculator hub.
Financial Calculators
Mortgage Refinance Calculator
Calculate your monthly savings, break-even timeline, and total lifetime interest savings when refinancing your mortgage.
Debt Payoff Calculator
Compare Debt Snowball vs Debt Avalanche strategies to eliminate debt faster and save thousands in interest.
Rent vs Buy Calculator
Compare renting vs buying a home over 5 to 15 years factoring in appreciation, opportunity cost, and real expenses.
Student Loan Calculator
Calculate monthly student loan repayments, payoff timelines, and interest saved with early extra principal payments.
Savings Goal Calculator
Estimate monthly deposits and milestones needed to reach your target savings goals with compound growth.
Emergency Fund Calculator
Calculate your ideal 3, 6, and 12-month emergency financial cushion based on essential living expenses.
CD & Term Deposit Calculator
Calculate maturity returns, APY yield, and interactive rotating CD ladder strategies for liquidity and yield.
Net Worth Calculator
Track total assets minus liabilities with Debt-to-Asset Ratio diagnostics and asset distribution breakdown.
Mortgage Calculator
Calculate your monthly mortgage payments including principal, interest, taxes, and insurance.
Auto Loan Calculator
Calculate your auto loan monthly payments, total interest, and amortized cost including sales tax and trade-ins.
Compound Interest Calculator
Calculate how your money grows over time with compound interest, visualizing year-by-year growth.
Inflation Calculator
Calculate the impact of inflation on your money over time using historical data or custom rates.
US Paycheck Calculator
Calculate your US paycheck take-home pay, estimating federal, state, and FICA taxes.
UK Take-Home Pay Calculator
Calculate your UK net take-home pay based on current tax rules, including Income Tax, NI, and Student Loan.
Canada Paycheck Calculator
Calculate Canadian net take-home pay across all provinces, factoring in federal and provincial tax, CPP, EI, and RRSP deduction savings.
Australia PAYG Pay Calculator
Calculate Australian net salary, Stage 3 tax cuts, Medicare levy, Superannuation guarantee, and HELP/HECS student debt repayments.
Cost of Living Comparison Calculator
Compare purchasing power parity and equivalent salaries across global financial and tech hubs including NYC, London, Sydney, and Toronto.
1099 Freelance Tax Calculator
Estimate self-employment SECA taxes, quarterly advance estimates, and federal income taxes for independent contractors.
Salary Hike Calculator
Calculate percentage hikes, compounding increments, and expected salary hikes for appraisals or new offers.
Hourly to Salary Converter
Convert your hourly wage to an annual salary and vice-versa, factoring in vacation time and work hours.
Retirement Calculator
Calculate how much retirement corpus and savings you need to retire comfortably, factoring in inflation and compound growth.
Mortgage Affordability Calculator
Estimate how much home you may afford from income, debts, down payment, taxes, and insurance.
Debt-to-Income Ratio Calculator
Calculate front-end and back-end DTI ratios for borrowing and household planning.
Credit Card Payoff Calculator
Estimate payoff time and interest for a credit-card balance and monthly payment.
Loan Amortization Calculator
Create an estimated loan payment and amortization schedule with optional extra payments.
401(k) Calculator
Project a US 401(k) balance with employee contributions, employer match, and growth assumptions.
Roth IRA Calculator
Estimate how recurring Roth IRA contributions may grow toward retirement.
Budget Planner
Build a monthly budget from take-home income, essential costs, debt, savings, and flexible spending.
Loan Comparison Calculator
Compare two loan offers by payment, fees, total repayment, and estimated interest cost.
UK Stamp Duty Calculator
Estimate residential Stamp Duty Land Tax for England and Northern Ireland.
UK Pension Calculator
Estimate a projected pension pot and illustrative retirement income from contributions and growth assumptions.
Capital Gains Tax Calculator
Estimate your capital gains tax liability on stocks, crypto, and real estate for US, UK, Canada, and Australia.
Tax Withholding Calculator
Estimate your US tax withholding and compare a projected refund or balance due using the assumptions shown.
Savings Rate Calculator
Calculate your personal savings rate from your income and expenses, with an optional comparison range.
FIRE Calculator
Estimate a Financial Independence, Retire Early (FIRE) target and timeline from your assumptions.
Quarterly Estimated Tax Calculator
Estimate your US quarterly estimated tax payments for freelancers, contractors, and self-employed individuals.
Business Break-Even Calculator
Estimate the units and revenue needed to cover costs or reach a target profit.
Down Payment Calculator
Estimate your required house deposit, closing costs, and savings timeline.
College Cost Calculator
Estimate future college or university tuition costs and calculate how much you need to save each month.
Debt Snowball Worksheet
Organize your debts and compare payoff timelines using the Debt Snowball and Debt Avalanche methods.
Annual Financial Review Checklist
An interactive, printable checklist to audit your savings, debt, insurance, taxes, and retirement progress each year.
Debt Consolidation Savings Calculator
See how much interest a lower-APR consolidation loan saves versus your current credit cards, including fees.
Student Loan Refinance Calculator
Compare your current student loan against a refinance offer and see monthly savings plus federal trade-offs.
Mortgage Points Break-Even Calculator
Decide whether paying discount points to lower your rate pays off before you sell or refinance.
401(k) Employer Match Calculator
Calculate free employer-match dollars you earn each year and what missing the match costs over decades.
HSA Growth Calculator
Project triple-tax-advantaged HSA growth with contributions, employer seed money, and tax savings.
Roth vs Traditional Calculator
Compare Roth and traditional 401(k) after-tax outcomes using today's bracket vs your retirement bracket.
Balance Transfer Savings Calculator
Test whether a 0% APR balance transfer beats your current card after fees and post-promo rates.
Cash-Out Refinance Calculator
Estimate new payment, cash in hand, closing costs, LTV, and remaining equity when refinancing for more.
Early Mortgage Payoff Calculator
See how extra monthly payments shave years and six figures of interest off your mortgage payoff date.
Car Lease vs Buy Calculator
Compare true total cost of leasing versus buying, including depreciation, financing, fees, and equity.