Tax calculators for the 2025-2028 deductions
Free calculators for the new federal deductions: no tax on tips, no tax on overtime, car loan interest, the $6,000 senior deduction and the $40,000 SALT cap.
- No Tax on Tips CalculatorYour deduction for qualified tips, with the $25,000 cap and phase-out.
- Senior Tax Deduction CalculatorThe extra $6,000 deduction for age 65+, with the income phase-out.
- SALT Deduction CalculatorYour state and local tax deduction under the new cap, by tax year.
- No Tax on Overtime CalculatorYour deduction for overtime premium pay, with the $12,500 cap and phase-out.
- Car Loan Interest Deduction CalculatorYour deduction for new-car loan interest, with an eligibility check and phase-out.
Health insurance calculators for 2027 open enrollment
Free calculators for Marketplace open enrollment: your 2027 premium tax credit after the enhanced subsidies expired, the 400% cliff, and your income as a share of the poverty level.
- ACA Subsidy CalculatorYour monthly premium tax credit for 2027 or 2026 coverage, and how close you are to the 400% cliff.
- Federal Poverty Level CalculatorYour income as a % of the poverty level and the Medicaid and Marketplace thresholds for your household.
Student loan calculators for the 2026 repayment plans
Free calculators for federal student loan repayment after the 2025 law: your RAP payment, RAP vs IBR side by side, interest waived, and when the balance is forgiven.
- RAP CalculatorYour monthly RAP payment, interest waived, principal match and the 30-year forgiveness date.
- RAP vs IBR CalculatorRAP, IBR and standard payments side by side, with the trade-offs and key dates.
Mortgage calculators: recast, buydown, PMI removal, extra payments
Free mortgage calculators for the decisions after the loan: recast after a lump sum, 2-1 and 3-2-1 buydowns, when PMI drops off at 80% and 78%, and extra payments.
- Mortgage Recast CalculatorNew payment after a lump sum, interest saved, fee break-even, vs keeping the old payment.
- Mortgage Buydown CalculatorYear-by-year payments and total cost of a 2-1, 3-2-1 or 1-0 buydown, vs discount points.
- PMI Removal CalculatorThe dates PMI can be cancelled (80%) and must end (78%), and the PMI you pay until then.
- Extra Mortgage Payment CalculatorPayoff date and interest saved from extra monthly, yearly, one-time or biweekly payments.
Retirement and savings calculators
Free calculators for early retirement and saving: your FIRE number, Coast FIRE, Barista FIRE and what a child's Trump Account could grow to.
- FIRE Number CalculatorHow much you need invested to retire early, and when you get there.
- Coast FIRE CalculatorWhat you need invested now to stop saving and still retire on time.
- Barista FIRE CalculatorThe smaller portfolio you need when part-time work pays some bills.
- Trump Account CalculatorWhat a child's Trump Account could grow to by 18 and 65.
AI cost calculators
Free calculators for what AI costs to run: compare Claude, GPT and Gemini API prices for your workload, with prompt caching and official prices.
- LLM API Cost CalculatorCompare Claude, GPT and Gemini API costs for your workload.
How Pluvra calculators work
Each calculator does one job. It follows the official worksheet or price list step by step, shows every line of the math under the answer, and links to the source it used. When a rule or price changes, the tool is updated and its page shows the new date.
Everything runs in your browser: nothing to install, no account, and the numbers you type stay on your device.
Questions
Are Pluvra calculators free?
Yes. Every calculator is free to use with no account and no limits. The site is paid for by ads.
Where do the numbers come from?
From the official source for each rule: IRS forms, worksheets and guidance and the law text for tax tools, and each provider's own pricing page for AI tools. Every tool lists its sources and the date it was last checked.
Do you store what I type?
No. The calculations run in your browser, and the numbers you enter are not sent to us.
Are these calculators updated for the new tax law?
Yes. The tax calculators follow the 2025 law and the IRS's 2025 Schedule 1-A and Schedule A rules, with the published figures for 2026.
Is this tax or financial advice?
No. The tools give estimates to help you plan. Check important decisions with the official source or a qualified professional.