Assumptions in the open
See the rate, timeframe, and rule behind every result. You can change the inputs instead of trusting a black box.
money math, made human
Make a plan
before you
make a move.
Free, practical calculators for the numbers that shape your everyday life—from the paycheck that lands Friday to the rent you can actually live with.
browser-only no sign-up plain-English results
start here
What are you figuring out?
What will my paycheck be? How much rent can I afford? When can I be debt-free? How is my card minimum calculated? What can my monthly budget support?
Your inputs stay in your browser. WageWillow does not need an account or your financial records.
the toolkit
Twelve useful places
to start the math.
Paychecks
Take-home pay calculator
Estimate your US paycheck after a simple tax and deduction allowance.
Paychecks
Salary to hourly calculator
Convert annual salary into an estimated hourly rate using your work schedule.
Paychecks
Overtime calculator
Estimate regular pay, overtime pay, and total weekly earnings.
Housing
Rent affordability calculator
Estimate a planning range for monthly rent using income, debt, and a simple buffer.
Debt
Debt payoff calculator
Estimate payoff time, total payments, and interest for a fixed-rate debt.
Debt
Credit-card minimum payment calculator
Estimate a credit-card minimum payment using a percentage and a minimum floor.
Debt
Credit card payoff calculator
Estimate how long it may take to pay off a credit-card balance and how extra payments change interest.
Budgeting
Budget calculator
Compare take-home income with monthly expenses, savings, and debt payments to find your planned surplus or shortfall.
Budgeting
Paycheck budget calculator
Plan one paycheck across bills, spending, savings, and debt payments using the amount and timing of your next deposit.
Savings
Savings goal calculator
Estimate the amount to save each month or paycheck to reach a goal by a target date.
Income
Quarterly estimated tax calculator
Estimate a simple quarterly tax reserve from self-employment profit and a planning tax rate.
Savings
401(k) calculator
Estimate how employee contributions and an employer match could grow toward a retirement balance.
Savings
Emergency-fund calculator
Set an emergency-fund target and estimate how long it may take to reach it.
Life admin
Moving cost calculator
Add common moving expenses to estimate a realistic relocation budget.
Freelance
Freelance hourly-rate calculator
Estimate the hourly rate needed to reach a freelance income goal after overhead and taxes.
Freelance
Invoice late-fee calculator
Estimate a simple late fee from an invoice amount, annual rate, and days late.
Housing
Mortgage payment calculator
Estimate a monthly mortgage payment from home price, down payment, interest rate, and loan term.
Debt
Car loan calculator
Estimate a monthly car payment from vehicle price, trade-in, down payment, APR, and loan term.
Savings
Retirement savings calculator
Estimate how current savings and monthly contributions could grow toward a retirement goal.
Debt
Student loan payoff calculator
Estimate a student-loan payoff timeline, total payments, and interest from balance, APR, and payment.
Life admin
Tip Calculator: Calculate Gratuity Fast
Calculate a tip, total bill, and per-person split from a bill amount and tip percentage.
Life admin
State sales tax calculator
Estimate sales tax and total purchase cost using a state rate and optional local tax rate.
Savings
Net worth calculator
Estimate net worth by adding assets and subtracting debts in one simple snapshot.
Freelance
Side-hustle tax estimator
Estimate a simple tax reserve from side-hustle revenue, expenses, and planning rates.
Paychecks
Raise and COLA calculator
Compare a current salary with a raise, inflation, and the resulting monthly and annual difference.
Budgeting
50/30/20 budget calculator
Compare monthly take-home income with 50/30/20 needs, wants, and savings targets.
why wagewillow
Useful math
without the lecture.
Each tool is built to answer one practical question, show its assumptions, and leave you with a next step. No dashboards to learn. No account to maintain.
Private by default
The first version runs the math in your browser. There is no login, uploaded spreadsheet, or personal finance profile.
A starting point, not a verdict
Money decisions depend on your full situation. Use these estimates to ask better questions, compare options, and spot the numbers that deserve a closer look. They are not tax, legal, employment, or financial advice.
a note on the math
Good planning starts
with honest inputs.
A calculator can help you see a direction. It cannot know your filing status, benefits package, interest-rate changes, lease terms, or the expenses you forgot to include. That is why every WageWillow result shows a short explanation of what it assumes.
Read our editorial policysalary-to-hourlyclear
$70,000 ÷ 2,080 hours = $33.65/hr
rent targetpersonal
30% is a starting rule, not a promise of affordability.
debt payoffestimate
Interest, fees, and new charges can change the timeline.
from the field notes
More context.
Better next steps.
Paychecks
Annual Salary to Hourly Conversion: A Worked-Example Guide
A practical guide to converting salary into an hourly equivalent, with a worked example, unpaid-time adjustments, paycheck checks, and overtime caveats.
Read the guideBudgeting
Biweekly Paycheck Budget Template: Plan Every Paycheck by Date
A practical biweekly paycheck budget template that maps money in and money out by date, then handles the two extra-paycheck months without counting them too early.
Read the guideSavings
How Much Emergency Savings Should I Build? A Flexible Way to Set Your Target
A practical way to choose an emergency-savings target by combining essential expenses with the risks and resources that are specific to your household.
Read the guideHelpful resources may appear here
This space is kept separate from calculator controls and may feature helpful resources as the site grows.