Where does your paycheck really go?
Drop in your salary and state — see your real take-home in seconds.
Estimated take-home
$58,652
≈ $4,888 per month
Federal
$7,670
FICA
$5,738
State
$2,941
In California, your take-home buys
$42,501
worth of average-US lifestyle (cost-of-living index: 138)
Your salary outranks
47% of US households
Need a different number? Pick another calculator.
Investment Projection
Project a portfolio with contributions, fees, and inflation.
Mortgage Payment
Full PITI + amortization + PMI cancellation date.
Debt Payoff
Avalanche vs snowball: months saved and interest avoided.
401(k) Projection
Project a 401(k) with employer match and salary growth.
Rent vs Buy
Monthly cost, down-payment trade-off, and break-even year.
Compound Interest
Textbook compound interest with monthly contributions.
Net Worth
Assets − debts, with US-median comparison by age.
Salary to Hourly
Salary → hourly with honest PTO accounting.
Credit Card Payoff
Minimum vs minimum + extra: months and interest saved.
$75,000 earned in 1950 had the buying power of about $976,245 in today's dollars.
For when the simple answer isn't enough.
A new tier of highly detailed, deeply customizable models — every assumption exposed, ranges instead of single numbers, running at full screen. Still completely free.
Projections only — not financial advice. Results are hypothetical, generated from assumptions you enter, and are not a prediction or guarantee. Money Scale is not a licensed financial advisor. Consult a qualified professional before making financial decisions. Use at your own risk.
FIRE number, bridge years, burn-down by bucket
Retirement Planner
Ages, spending and savings in; your number, your date, and a year-by-year drawdown by Roth / pre-tax / taxable out. Simple mode takes two minutes and asks five questions. Advanced mode knows about withdrawal order, Social Security, pensions, RMDs, capital-gains tax, and the bridge years before 59½ and Medicare.
- FIRE number and Coast FIRE number
- Years to financial independence
- Burn-down by tax bucket
- Bridge to 59½ and to Medicare at 65
- Social Security and pensions
- Federal tax by year, including RMDs
Also in the pro suite: Portfolio Forecast — monte carlo retirement projection.
Money should be obvious.
Beyond the calculators, three more free ways to level up.
Knowledge isn't power. Applied knowledge is.
Real numbers, the right tools, and small wins that compound.
Every tool and lesson here is free, with no account and no paywall — we think that's how financial education should work. Hosting it isn't free, though, so if Money Scale has been useful to you, you can buy us a coffee to help keep it running.