Your money, your numbers.
Free calculators for mortgages, 401(k), Roth IRA, federal taxes, and your real take-home paycheck — built for US residents.
Loans & EMI
3 calculators
Mortgage
Calculate your monthly mortgage payment, total interest, and amortization schedule with current US rates.
Auto Loan
Estimate your monthly auto loan payment based on price, down payment, trade-in, interest rate, and term.
Student Loan
Calculate your monthly student loan payment, total interest paid, and payoff time for federal or private loans.
Tax
3 calculators
Federal Tax
Estimate your 2026 federal income tax by filing status, including FICA (Social Security + Medicare).
Paycheck
Calculate your net paycheck after federal tax, FICA, and 401(k) deductions.
Capital Gains
Calculate federal capital gains tax on stocks, mutual funds, real estate, and crypto — short-term vs long-term.
Savings
4 calculators
401(k)
Project your 401(k) balance at retirement with employee + employer contributions, salary growth, and market returns.
Roth IRA
Project the tax-free growth of your Roth IRA contributions until retirement.
Savings
Project your savings growth with regular deposits, compound interest, and high-yield savings account rates.
Inflation
See how inflation erodes purchasing power over time.
Goals
1 calculator
Other
1 calculator
Why Vitthub
Free, fast, private.
Built for people who want the math — without ads begging for their email address.
Accurate to the cent
Every formula matches IRS, SEC, and federal standards.
100% private
Every calculation runs in your browser. We never see, store, or transmit your financial details.
Always free
No paywalls, no accounts, no "pro" upgrades. Just the tools you need.