WorkCalc is a free library of calculators built for the numbers that come up constantly at work and at home: what a paycheck actually comes out to after taxes, whether a job offer's hourly rate beats your current salary, how fast an extra mortgage payment gets you to a paid-off home, or how much a 401(k) could realistically grow by retirement. Instead of hunting down a different single-purpose tool for every one of those questions, or rebuilding the same spreadsheet formula from memory each time, WorkCalckeeps them all in one place, built the same careful way, and free to use without creating an account.

Built around how US pay and taxes actually work

Every calculator on WorkCalc is written specifically for US rules: federal tax brackets, Social Security and Medicare withholding, FLSA overtime math, 401(k) and IRA contribution limits, and mortgage amortization the way US lenders structure it. That specificity matters. A generic salary calculator that doesn't know the difference between a biweekly and a semi-monthly pay period, or one that can't tell you a traditional 401(k) contribution lowers your federal taxable wages but not your Social Security wages, will quietly give you the wrong number. WorkCalc's calculators are built to get that kind of detail right, and the formula behind every result is shown right on the page, not hidden behind a black box.

Ten categories, one consistent approach

The catalog is organized into ten categories: Payroll (overtime, bonuses, time cards, PTO), Salary (converting between hourly, weekly, monthly, and annual pay), HR (attendance, turnover, notice periods), Taxes (federal income tax, self-employment tax, and the flagship Paycheck Calculator), Retirement (401(k), IRA, Roth IRA, and a full retirement-income projection), Loans (personal loans, credit cards, and debt payoff strategies), Mortgage (payments, amortization, payoff, refinancing, and home affordability), Budget (the 50/30/20 rule, savings goals, emergency funds), Time (date math, business days, the Pomodoro technique), and Productivity (meeting cost, reading time, typing speed). Every calculator in every category follows the same pattern: enter your numbers, see the result instantly, then read exactly how it was calculated, with worked examples and answers to the questions people actually ask about that topic.

Free, private, and built to be checked

Nothing on WorkCalc sits behind a paywall or a sign-up wall. There's no account to create and no email address required to see a result. Every calculation also runs entirely in your browser: your salary, your loan balance, your retirement savings, none of it is sent to a server, logged, or stored anywhere. That's a deliberate choice, not just a privacy nicety: the numbers you're plugging into a paycheck or mortgage calculator are exactly the kind of information that shouldn't need to leave your own device to get an answer.

Who WorkCalc is for

The calculators are written for the situations that actually come up: an HR manager checking a PTO accrual rate, a small business owner confirming an overtime calculation before running payroll, someone comparing a new job's salary against their current hourly pay, a first-time homebuyer sizing up what they can actually afford, or anyone who just wants to know how much of their next paycheck is really going to land in their bank account. Whatever the question, the goal is the same: a fast, accurate answer, explained clearly enough that you can trust the number without taking it on faith.

More than a number

Every calculator is paired with a short, plain-English article that walks through the math it's built on: how overtime pay is actually calculated, why a semi-monthly paycheck differs from a biweekly one, what the 4% retirement withdrawal rule really means. The goal isn't just to hand back a number, it's to leave you understanding where that number came from, so you can double-check it, explain it to someone else, or adjust the assumptions and see how the answer changes.