Every calculator on this site reflects genuine CFO experience — not textbook theory, not guesswork. The kind of math that gets run every day in boardrooms, on small business spreadsheets, and in late-night conversations with business owners trying to figure out if they can make payroll.
My name is Scott Warner, and I've spent over three decades working as a CFO and senior finance executive. My experience spans private equity-backed businesses and independent small businesses across industries including manufacturing, hospitality, professional services, and SaaS. I've run payroll, modeled break-even scenarios at 2am before a board meeting, and sat across the table from small business owners who had no idea what they were actually netting after taxes.
I built Calcu.my because the financial tools most people find online are either wrong, oversimplified, or designed to capture your email address. The tax brackets are outdated. The assumptions are hidden. The math doesn't account for how things actually work in the real world.
These tools are built the way I'd build an internal model for a client — with real 2026 rates, all 50 states, edge cases accounted for, and plain-English explanations of what the numbers actually mean. No account required. No data collected. Free because this information should be free.
I also offer fractional CFO services directly to business owners who need more than a calculator. That's what the "Ask a CFO" button in the navigation is for — it connects you directly to me.
Financial literacy shouldn't require an accountant, a subscription, or giving up your email address. The math behind your paycheck, your break-even point, your mortgage payment — it's not proprietary. It's arithmetic. It should be available to everyone, explained clearly, with no strings attached.
Calcu.my is supported by display advertising — not data collection, not affiliate spam, not lead generation. The tools are genuinely free because that's the whole point. Scott does offer fractional CFO services for businesses that need more than a calculator — that's the Ask a CFO button in the nav.
Federal brackets, standard deductions, FICA wage base, and 401(k) limits are updated annually from IRS publications and reflect the current tax year.
State income tax rates and brackets are sourced from each state's department of revenue. All 50 states plus D.C. are included, including the 9 states with no income tax.
Every calculation runs entirely in your browser. No data is sent to any server. Your financial information never leaves your device — ever.
Disclaimer: Calcu.my tools are for informational and educational purposes only. They are not a substitute for professional tax, legal, or financial advice. Tax situations vary — consult a CPA or tax professional for advice specific to your situation.