SALACAL

iPhone and Android · Free

See what you actually keep.

A private calculator for take-home pay, mortgages, job offers and compound growth. Every number runs on your device.

Coming to theApp Store Coming toGoogle Play Coming soon

Five tools at launch. No accounts, no ads, no network requests.

SalaCal home screen listing the five tools: Salary, Hourly to Salary, Mortgage, Offer Compare and Interest.

The five tools

The answer right at your fingertips.

All five are free. Each one works as a throwaway calculator — nothing is saved unless you tap Save.

Salary take-home

Enter a salary, get your real paycheck. Federal tax bracket by bracket, state income tax, Social Security up to the wage base, Medicare, and the Additional Medicare threshold. Pre-tax deductions in dollars or percent.

Hourly ⇄ Salary

Convert an hourly wage into an annual salary and back again, using your own hours per week and weeks per year, with monthly and weekly equivalents.

Mortgage

Price, down payment, rate and term, plus property tax, insurance and HOA. Shows the true monthly payment with PMI applied under 20% down, lifetime interest, and a balance-versus-equity curve.

Offer Compare

Two offers side by side on real take-home rather than headline salary — base, bonus, 401(k) match and state. Full breakdown for each, plus the annual and monthly difference.

Compound interest

Project a balance from a starting principal, monthly contributions, an annual return and a compounding frequency. Splits the result into contributions versus growth.

With more to come

We are looking to further empower users to better understand where their money goes by providing more the tools with the calculations they need to answer questions about their financial health.

Screens

  • Salary result screen: $2,520 per two weeks from $3,654 gross, with a take-home donut and a line-by-line tax breakdown.

    Salary result — donut, line-by-line breakdown, effective rate.

  • Mortgage screen: $1,479 monthly payment split into principal and interest, taxes and insurance, and PMI, with a balance-versus-equity curve.

    Mortgage — payment split, lifetime interest, equity curve.

  • Offer Compare screen: Offer B wins by $8,510 a year, with filing status, tax year and each offer's inputs.

    Offer Compare — the verdict, then the arithmetic behind it.

  • Interest screen: a $300,851 final balance over twenty years with a compounding growth curve.

    Interest — contributions versus growth, year by year.

  • Hourly to Salary screen: $25.00 an hour at 40 hours a week converts to $52,000 a year, with monthly and weekly figures.

    Hourly ⇄ Salary — gross pay, both directions.

Tax data

All of it ships inside the app.

This is the substance behind the offline claim: there is nothing to fetch, because it is already there.

Tax years

2021–2026

Six years of federal brackets and standard deductions.

Filing statuses

4

Single, married filing jointly, married filing separately, head of household.

States

50 + DC

Including the nine with no state income tax.

Pay frequencies

4

Weekly, biweekly, semi-monthly, monthly.

What it computes

  • Federal income tax, bracket by bracket
  • State income tax
  • Social Security, up to the annual wage base
  • Medicare, plus Additional Medicare above the filing-status threshold
  • Pre-tax deductions: 401(k), health, dental and vision, HSA and FSA, life, disability, other — as a dollar amount or a percentage of gross
  • Effective rate, annual net, and net per pay period

What it doesn't model

  • Itemized deductions and tax credits
  • Local and city taxes
  • Multi-state situations
  • State tax is applied as a simplified flat rate

Real returns will differ. SalaCal is an estimate, and says so wherever it matters.

Boundaries

What SalaCal deliberately doesn't do.

Being clear about the boundaries is part of the product.

  • No bank connections

    No account linking, no spending feeds, no categorizing past purchases. That would require exactly the data collection the app is built to avoid.

  • No advice

    SalaCal shows math, not recommendations. It isn't a substitute for a professional.

  • It doesn't file your taxes

    It estimates them, using published federal brackets and the standard deduction with a simplified flat state rate. Itemized deductions, credits, local taxes and multi-state situations aren't modeled, so a real return will differ.

Roadmap

What's coming next.

Two more free tools are in progress. We'll announce the rest when it's real.

In progress · Free

Savings goals

Set a target, a horizon and an expected return; SalaCal solves for the monthly contribution that actually gets you there, and shows it as a share of your take-home.

In progress · Free

Debt payoff

Enter your debts, choose snowball or avalanche, and see the timeline: debt-free date, total interest, and what an extra payment changes.

The part that won't change

No accounts, no ads, no analytics, no network requests. Whatever gets added, that stays.