Paycheck & Mortgage Calculator

Know the number before you commit.

How much actually lands in your bank account? What's the real monthly
payment on that house? How much should you leave on a $86 dinner check?

Calc Assistant answers all three — and 18 more — in one clean app.
No ads between you and the answer. No sign-up. Just the number.

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💵 PAYCHECK — take-home pay, by state
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Federal income tax + FICA + state income tax for all 50 states and DC.

Enter four things — pay, frequency, filing status, state — and you're done.
401(k), health premiums, post-tax deductions, and dependents live under
Advanced, so the simple case stays simple.

Most paycheck calculators get one thing wrong: they subtract your 401(k)
before FICA. They shouldn't. That single error inflates take-home pay for
exactly the people who contribute most. We get the three wage bases right
— federal, FICA, and state (including Pennsylvania's 401(k) rule).

2026 tax tables, sourced from IRS Rev. Proc. 2025-32, the SSA wage base,
and the Tax Foundation state bracket data.

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🏠 MORTGAGE — the payment you'll actually make
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Full PITI: principal, interest, property tax, and insurance — plus PMI,
and the month PMI finally drops off. Amortization schedule included.

The listing shows you P&I. Your bank account sees PITI. That gap is why
people get surprised at closing.

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🍽️ TIP — split it without the math
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Tip on the pre-tax or post-tax total (your call), round to the nearest
cent or quarter, and split across the table. Also works backwards: enter
what you actually paid and see the real tip percentage.

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💰 MONEY
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• Loan — monthly payment, total interest, full amortization schedule
• Compound interest — what monthly contributions grow into, with a chart
• Savings & deposits — maturity value, fixed or flexible contributions
• Savings goal — how much per month to hit your target by a date
• Average cost — your break-even after buying more
• Currency exchange — works offline with saved rates, built for travel

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🧮 EVERYDAY
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• Calculator — arithmetic and scientific, with saved history
• Percentage — increase, decrease, discount, ratio
• Split the bill — even or by person
• Date & countdown — days between dates, D-day, saved anniversaries
• Age — exact age, in years, months, and days
• Unit converter — length, weight, temperature, volume
• Unit price — cost per ounce, so you can tell which size is the deal
• Margin — cost, price, and margin percentage, any two give the third
• Fuel cost — trip cost and splitting it with riders
• Subscriptions — every recurring charge in one place, yearly and per person
• BMI — body mass index and healthy weight range

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✨ WHY THIS ONE
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• Exact decimal math — money is never computed in floating point. A cent
off is a cent off, and in a calculator that's the whole product.
• Independently verified — our payroll, loan, and mortgage results are
recomputed by a separate engine that never sees the app's code, and
checked to the cent. It has caught five real defects so far.
• Assumptions shown, not hidden — every tax rate, deduction, and rule we
used is printed on screen, including what we approximate. A number
whose assumptions you can't see isn't a number you can trust.
• Tap ⓘ on any term — PITI, PMI, FICA, effective rate — for plain English.
• Big dedicated keypad, not your system keyboard.
• Share results as a clean image card.
• Light and dark themes. Two text sizes.
• Ads bother you? One purchase removes them permanently.

Results are estimates for planning. Actual withholding, tax liability, and
loan terms depend on your situation and your lender or the IRS. Confirm
final figures with them.

Every "how much is that, really?" — answered. 🐼