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What's new in MoneyMath USA 1.0.2 • Official IRS, SSA, and state source links • Clearer notice that this app is not a government entity • Estimates still stay on this phone
Estimate 2026 take-home pay by state, plus mortgage, auto loan, and card payoff.
DISCLAIMER: This app does not represent a government entity. MoneyMath USA is not affiliated with or endorsed by the IRS, the Social Security Administration, the U.S. Department of the Treasury, or any state. It does not file taxes. This is not tax, legal, or financial advice. Figures are estimates. Your numbers stay on this phone. Official sources for the government figures in this app 2026 federal income tax brackets, standard deduction, and Child Tax Credit (IRS): https://www.irs.gov/newsroom/irs-releases-tax-inflation-adjustments-for-tax-year-2026-including-amendments-from-the-one-big-beautiful-bill Revenue Procedure 2025-32, the IRS tables for those 2026 figures: https://www.irs.gov/pub/irs-drop/rp-25-32.pdf 2026 Social Security wage base and the 6.2% employee tax (Social Security Administration): https://www.ssa.gov/oact/cola/cbb.html The same 2026 Social Security wage-base determination (Federal Register): https://www.federalregister.gov/documents/2025/11/03/2025-19763/cost-of-living-increase-and-other-determinations-for-2026 Medicare tax, 1.45% with no wage cap (IRS Topic 751): https://www.irs.gov/taxtopics/tc751 Additional Medicare Tax, 0.9% (IRS): https://www.irs.gov/businesses/small-businesses-self-employed/questions-and-answers-for-the-additional-medicare-tax 2026 employee 401(k) limit (IRS): https://www.irs.gov/newsroom/401k-limit-increases-to-24500-for-2026-ira-limit-increases-to-7500 State income tax for all 50 states and Washington, DC. The app uses the standard deduction only. Each state’s official tax agency (USAGov): https://www.usa.gov/state-taxes Georgia’s rate is an estimate in this app. Georgia Department of Revenue: https://dor.georgia.gov/ Nebraska’s top rate is an estimate in this app. Nebraska Department of Revenue: https://revenue.nebraska.gov/ MoneyMath USA estimates a 2026 US paycheck and three common loans. Paycheck • Salary or hourly pay • Weekly, every two weeks, twice a month, or monthly • Overtime at time-and-a-half and double time • Shift differential • 2026 federal income tax, Social Security, and Medicare • State income tax for all 50 states and Washington, DC, using the standard deduction • Filing status, and children under 17 for the Child Tax Credit • 401(k) percent and pre-tax benefits • A city or county tax percent you type in • Compare another state, or rank states by take-home • A second job, with both checks added for the year • A stub adjustment so you can line the estimate up with a real deposit Mortgage • Price, down payment, rate, and term • Property tax, insurance, HOA, and PMI • Extra principal, the interest that skips, and a balance chart Auto loan • Price, cash down, trade-in, sales tax, and fees • Payment and total interest from 36 to 84 months Credit card • Balance, APR, and the payment you choose • The month the balance reaches zero, shown next to paying only the minimum On this phone • Light and dark • An optional daily note that uses the name you enter. The note is scheduled on the phone. It is not sent to us. • Clear saved paycheck and loan inputs in Settings • The same official source links, under Sources Ads MoneyMath USA is free to use and shows ads through Google AdMob: a banner on the calculator screens, a full-screen ad after every third time you switch calculators, and an app-open ad when you come back after being away. Ads need an internet connection. The estimates are saved on the phone and do not need an account. Accuracy Tax figures ship inside the app as 2026 tables taken from the official pages above. State tax uses the standard deduction only. Georgia’s rate, Nebraska’s top rate, and some state paid-leave rates are estimates. A real pay stub can differ. Compare the estimate with your stub before you treat it as the deposit.