FreeKalc provides free, accurate online calculators for everyday money questions: how much of your salary you keep after tax, how much VAT is inside a price, and what a mortgage or loan really costs over its full term.
We started FreeKalc because most financial calculators are buried in signups, paywalls or outdated rates. Every tool here runs entirely in your browser — which makes it fast, private, and completely free. Nothing you type is ever uploaded to a server.
What we cover
Our calculators span three regions, each built on that country's own tax bands, social contributions and VAT rates:
- United States: federal income tax, Social Security and Medicare (FICA), and state-level income tax for every state, with dedicated paycheck calculators for the most-searched states including California, Texas, New York and Florida.
- United Kingdom: Income Tax bands, National Insurance classes, student loan repayment plans (Plan 1, 2, 4, 5 and postgraduate) and pension contributions, for the 2026/27 and 2024/25 tax years.
- Europe: salary and VAT tools for Germany, Ireland, the Netherlands, France, Spain and Italy, using each country's own social security deductions and VAT rates.
Alongside the calculators, the FreeKalc blog publishes plain-English guides — how UK tax codes work, what a pay rise is really worth after tax, and how gross and net salaries compare across Europe.
How we keep the numbers accurate
Tax rules change constantly, so every calculator page states the tax year or rate year it uses, and we review all rates against official sources at least once a year — and after major budget announcements. The official publications we verify against include the IRS and state departments of revenue in the US, HMRC in the UK, and national tax authorities such as the German Federal Ministry of Finance and the Irish Revenue. Our full process is documented in our editorial policy.
Because tax depends on personal circumstances, every calculator result is clearly labelled as an estimate. Where a figure is a simplification (for example, ignoring local city taxes), the page says so.
Privacy first
Unlike most calculator sites, FreeKalc does all of its math in your browser. Your salary figures are never transmitted, stored or logged anywhere. There are no accounts, no signups and no email gates in front of any tool.
How FreeKalc is funded
FreeKalc is funded by advertising, which keeps every tool free for everyone. We never sell data — there is no data to sell, since your inputs never leave your device.
Contact us
Found a bug, spotted an out-of-date rate, or want to suggest a new calculator? We read every message — reach us on the contact page.
Last reviewed: October 2026 by H. Jhon, founder and editor. FreeKalc provides general information, not financial or tax advice.