Hourly → salary & take-home pay
Convert hourly wage to yearly gross, estimate federal/state/FICA withholding by state, and see monthly take-home plus rent affordability bands.
Open income calculator
Income Clarity
Free Calculators for Take-Home Pay, Debt, Housing & Freelance Taxes
Turn hourly pay, credit cards, rent vs buy, and 1099 vs W-2 choices into numbers you can use—after taxes and real-world trade-offs—without signing up.
From take-home pay to credit card payoff, rent vs buy, and 1099 taxes
Headline rates and gross salaries hide what you actually keep. Income Clarity brings four focused tools together: hourly-to-salary and state-level take-home estimates, a credit card payoff timeline, a rent vs buy calculator with break-even, and a 1099 vs W-2 tax comparison for freelancers—each built so you can adjust inputs and compare scenarios side by side.
Choose a calculator
Pick the decision you are facing—we handle the messy math so you can focus on the trade-off.
Credit card payoff & interest
See how long balances last with minimum or extra payments and how much interest you pay over time—before you decide on a payoff plan.
Open debt payoff toolRent vs buy (true cost over time)
Stack cumulative rent against buying with mortgage, taxes, and equity—plus break-even year and interactive cost charts.
Open rent vs buy calculator1099 vs W-2 take-home & taxes
Compare employee vs contractor net income with self-employment tax, expenses, and optimization scenarios for your situation.
Open 1099 vs W-2 calculatorBuilt for clarity—not hype
Every screen shows what went into the estimate and where uncertainty lives, so you can explain the numbers to yourself (or a partner) before you act.
Plain-language outputs
Labels match real decisions: take-home, payoff date, break-even year, net freelance pay—not jargon walls.
Scenario-friendly
Change inputs anytime—rates, rent growth, hours, state, expenses—and compare outcomes without starting over.
Not just calculators—answers you can act on
- After-tax reality, not only gross pay or sticker housing costs.
- Side-by-side paths (rent vs buy, W-2 vs 1099) so the winner is visible for your inputs.
- Honest limits: estimates for planning; big moves still deserve a professional second opinion.
Explore by common question
Jump straight to the tool that matches what people ask search engines.
Is $25/hour good in the US?
See how hourly pay translates to yearly gross, take-home by state, and rent bands on the Income page.
Rent vs buy: what fits your budget?
Compare long-run costs, break-even timing, and year-by-year cash flows when you buy vs rent.
How long to pay off credit card debt?
Model balance, APR, and payments to see payoff timeline and total interest on the Debt page.
1099 vs W2 tax difference & take-home pay?
Estimate freelancer vs employee taxes, deductions, and net income on the Freelance page.
Frequently asked questions
What is Income Clarity?
Income Clarity is a set of free, US-focused calculators that translate wages, debt, housing, and freelance income into estimates—especially after taxes—so you can compare options before you commit.
Is Income Clarity free?
Yes. Every tool runs in your browser with no account or paywall.
Which calculator should I use first?
For hourly or salaried take-home by state, use Income. For card balances, use Debt. For housing, use Living. For contractor vs employee pay, use Freelance.
How accurate are the estimates?
They are planning estimates using simplified tax and loan models. Real life varies by employer withholding, lender fees, rent rules, and tax law—verify big decisions with a CPA or advisor.
Do these calculators cover all US states?
Income and freelance flows include state selection for tax estimates. Other tools rely on your inputs and US-style assumptions; always check local rules for your situation.