Calk-USA: US Calculators

⚠️ NOT A GOVERNMENT APP. Calk-USA is an INDEPENDENT third-party calculator made by Konstantin Iakovlev. NOT affiliated with, endorsed by, or connected with the U.S. Government, IRS, SSA, DOL, CFPB, HUD, VA, OPM, TSP, Federal Reserve, Federal Student Aid, Medicare, Healthcare.gov, USDA, or any federal, state, or local agency. Calk-USA does NOT process tax filings or government benefits. For official filings, visit the relevant agency directly.

769+ free educational calculators covering U.S. tax, paycheck, mortgage, retirement, student loans, and more. Runs on your device, offline, with no tracking.

★ WHAT YOU GET — each feature lists its official government source

TAX (per IRS Rev. Proc. 2025-32 for tax year 2026)
• Federal Income Tax — 7 brackets, all filing statuses → irs.gov/pub/irs-drop/rp-25-32.pdf
• FICA (Social Security + Medicare), Self-Employment Tax → ssa.gov/OACT/COLA/cbb.html
• Capital Gains (short/long-term + NIIT) → irs.gov/taxtopics/tc409
• Child Tax Credit, EITC, AMT, SALT → irs.gov/credits-deductions
• Roth conversion, estate, trust tax → irs.gov/businesses/small-businesses-self-employed/estate-and-gift-taxes
• Quarterly estimated payments, W-4 withholding → irs.gov/forms-pubs/about-publication-15

PAYCHECK & SALARY
• Federal + all 50 states + DC paycheck → each state's official .gov tax dept; full list at calk-usa.com/methodology/
• Federal minimum wage, overtime, bonus, tip → dol.gov/agencies/whd/minimum-wage

MORTGAGE & PROPERTY
• Mortgage Payment, PMI, HOA, taxes, insurance → consumerfinance.gov/owning-a-home/
• FHA loan limits and MIP → hud.gov/program_offices/housing/sfh
• VA loan funding fees → va.gov/housing-assistance/home-loans

RETIREMENT & 401(K)
• 401(k), Roth IRA, Traditional IRA, RMD → irs.gov/retirement-plans
• Social Security break-even (62 / 67 / 70) → ssa.gov/benefits/retirement
• TSP for federal employees → tsp.gov
• FERS, CSRS → opm.gov/retirement-services

STUDENT LOANS & EDUCATION
• PSLF, IBR, PAYE, ICR repayment plans → studentaid.gov/manage-loans/repayment/plans
• 529 Plan, Pell Grant, FAFSA → studentaid.gov

HEALTH, ACA, MEDICARE
• ACA premium tax credits → healthcare.gov
• Medicare Parts A/B/D, IRMAA → medicare.gov
• HSA, FSA, COBRA → irs.gov/publications/p969

OTHER
• SNAP, WIC eligibility → fns.usda.gov
• Federal Reserve interest rates → federalreserve.gov

PLUS 500+ MORE: loans, investment, business, crypto, auto, construction, energy, math (general financial math; no government claim).

★ WHY CALK-USA

✓ 100% FREE — no paywall, no subscriptions
✓ OFFLINE — works without internet after install
✓ PRIVATE — calculations run locally; nothing is uploaded
✓ BILINGUAL — English + Spanish

★ AGAIN — NOT A GOVERNMENT APP

Calk-USA is independent. We are NOT the IRS, SSA, DOL, CFPB, HUD, VA, OPM, TSP, Federal Reserve, Federal Student Aid, Medicare, Healthcare.gov, USDA, any state revenue dept, or any government agency. Names like "IRS", "Social Security", "Medicare", "FAFSA", "PSLF", "FHA", "VA", "TSP", "FERS", "401(k)", "Roth IRA" are used only for educational identification. All trademarks belong to their respective owners.

Results are estimates only and are NOT tax, legal, financial, or investment advice. Consult a licensed CPA, attorney, or financial advisor.

★ SUPPORT

Developer: Konstantin Iakovlev (independent)
Website: calk-usa.com
Privacy: calk-usa.com/privacy/
Terms: calk-usa.com/terms/
Methodology & full source list: calk-usa.com/methodology/
Email: info@calk-usa.com