Know your real number.
Free calculators for your paycheck, taxes and money — built on official 2026 rules, not headlines. Instant answers, no signup, in English and Spanish.
Waiter, $45k wages + $15k tips + 200h overtime — the new deductions save…
$2,130 off federal tax (FICA still applies)
Most searched
The calculators people come here for — start here.
💵 US Paycheck Calculator
Take-home pay in any state after federal tax, Social Security, Medicare and state tax — verified 2026 tables.
🇲🇽 Mexico Net Salary (Sueldo Neto)
Take-home after ISR, IMSS and the employment subsidy, with the verified 2026 SAT tables. No email wall.
💸 Tax Refund Calculator
How much you get back — or owe — after federal tax and your credits, with the right result for ITIN filers.
🇲🇽 Finiquito / Liquidación (Severance)
What you're owed if you resign or are fired — aguinaldo, vacation, 90 days, seniority premium, under the LFT.
🚗 1099 / Self-Employment Tax
What gig and freelance work really owes — SE tax plus income tax, split into your four quarterly payments.
🌐 Remittance Comparison + 1% Tax
How much actually arrives when you send money home, cheapest first — and whether the new 1% tax applies to you.
🇪🇸 Autónomo Social Security Quota
Your real 2026 monthly quota by income bracket, plus the €80 tarifa plana for new autónomos.
🏙 Equivalent Salary
The salary you'd need in another city to keep the same lifestyle, using cost-of-living data.
Only on Cifrely
Calculators no one else offers — or no one else offers in Spanish. Verified, dated, free.
💸 Cashing Out Your 401(k) to Move Back to Mexico
A lump-sum cash-out can lose 30–40% before it leaves the US — nonresident withholding plus the early-withdrawal penalty. Your estimated cash in hand, with the treaty and Mexico caveats.
Only here📦 Moving Back to Mexico? Your Things Come Duty-Free
Menaje de casa: your used furniture, appliances and work tools enter Mexico with no import tax — free certificate and no customs broker if you were repatriated. What qualifies, what's excluded, the real cost.
Only here🏠 Selling a House in Mexico From the US — the Real Tax
The casa-habitación exemption may NOT apply once you're a non-resident — it's 25% of the price or 35% of the gain. Your Mexican ISR, the US estimate, and how the foreign tax credit stops you paying twice.
Only here💵 Does My Foreign Pension Still Cut My US Social Security? (WEP/GPO Repeal)
No — WEP and GPO were repealed, so an IMSS/Spanish/government pension no longer reduces your US Social Security since Jan 2024, and SSA owes back pay. Estimate what was restored and what you're owed.
Only in Spanish👵 Is Social Security Tax-Free? (Reality Check)
No — it isn't. How much of your benefits is really taxable, plus what the new $6,000 senior deduction actually does.
Only in Spanish🚙 Can I Write Off My Car Payment?
No — but maybe the interest. Whether your loan qualifies (new, US-assembled only) and what it's really worth.
Only in Spanish🏦 Your Afore From the US — Lost? No.
Your Mexican retirement account is still yours and collectible from the US via consular power of attorney. Your regime, the 2026 weeks, the negativa route and the ISR-exempt part.
Only in Spanish💚 Marriage Green Card — Real 2026 Cost
The staged fee timeline for both paths (AOS $2,115–$3,005 · consular $1,355) — and why the $250 "integrity fee" doesn't apply to you.
Only in Spanish🪪 Filing With an ITIN — What You're Really Owed
"ITIN filers get nothing back" is false. Your refund, the $500 per-dependent credit, and California's ITIN-friendly CalEITC — what you can and can't claim.
Only in Spanish🩺 Insurance for Your Visa
Which policies actually qualify (Schengen, Spain NLV, nomad, Portugal) and monthly cost by age — travel insurance fails Spanish residency.
Only in Spanish🌎 Do I Still Owe US Taxes if I Live Abroad? (FEIE 2026)
Living in Mexico or Spain doesn't end your US taxes. The FEIE excludes up to $132,900 of income — but you must still file Form 2555, and it doesn't erase self-employment tax. See what you'd still owe.
Myths, corrected
The viral money myths people actually believe — and what's true, with the number and the source.
👵 "You can't claim a parent who lives in Mexico"
You can. A parent in Mexico or Canada can be a dependent if their income is under $5,300 and you cover over half their support — worth the $500 credit. Check if yours qualifies.
Myth vs. fact📱 "The IRS taxes your Venmo over $600"
Repealed. The 1099-K threshold is back to $20,000 and 200 transactions — and money from friends was never taxable anyway. See what you actually owe.
Myth vs. fact🧾 "There's no tax on tips or overtime now"
Half-true. Only the overtime half-time premium is deductible, it cuts income tax only (FICA still comes out), and it caps and phases out. See your real saving.
Myth vs. fact👵 "Social Security is tax-free now"
It isn't. Up to 85% of your benefits stays taxable under the combined-income rules; the new $6,000 senior deduction is separate and phases out. See what's really taxed.
Myth vs. fact🚙 "You can write off your car payment"
No — at most the interest, and only on a new, US-assembled vehicle, with income phase-outs. See if your loan qualifies and what it's worth.
Myth vs. fact🪪 "File with an ITIN and you get nothing back"
False. You can claim the $500 Credit for Other Dependents and California's CalEITC — just not the federal EITC or the CTC without an SSN. See your refund.
Myth vs. fact🏦 "You lose your Afore when you move to the US"
No. It's still yours, still earning, and claimable from the US via consular power of attorney. See what you're owed and how to collect it.
Myth vs. fact⏱ "Mexico is already on a 40-hour week"
Not in 2026 — the cap is still 48h, dropping 2h a year to 40h by 2030, and your pay can't be cut. See the year it reaches you.
Myth vs. fact🌐 "The new 1% tax hits every transfer"
Only cash, money orders and cashier's checks — bank- and card-funded transfers are exempt. See if it applies to you, and who delivers the most per dollar.
Myth vs. fact🏠 "It's my house, so selling it is tax-free"
The casa-habitación exemption may NOT apply once you're a non-resident — then it's 25% of the price or 35% of the gain. See your real Mexican ISR.
Myth vs. fact💸 "Move to Mexico first and the US can't tax my 401(k)"
It still can — a lump-sum cash-out loses 30–40% to nonresident withholding plus the early-withdrawal penalty. See your estimated cash in hand.
Myth vs. fact🚗 "Gig / 1099 income isn't really taxed"
You owe 15.3% self-employment tax even when income tax is $0 — and quarterly, or you're penalized. See what to set aside each quarter.
Myth vs. fact🎄 "If you quit before December you lose your aguinaldo"
No — it's prorated for the days you worked, and owed by December 20 by law. See exactly how much.
Myth vs. fact🇪🇸 "Every autónomo just pays the €80 flat fee"
The flat fee is gone — after your first year it's an income-based quota by bracket. See your real 2026 monthly cuota.
Myth vs. fact🩺 "My travel insurance covers the visa requirement"
For a Spanish residency visa it doesn't — travel policies get rejected. See which policies actually qualify, and the monthly cost by age.
Myth vs. fact💍 "If you don't earn enough, you can't sponsor your spouse"
Falling short isn't the end — assets, a household member's income, or a joint sponsor can fix it. See if you qualify and the 3 routes.
Myth vs. fact📦 "You have to pay duty to bring your things to Mexico"
Not with menaje de casa — used household goods enter duty-free with a free consular certificate, no broker if you were repatriated. See what qualifies.
Myth vs. fact🌎 "I live abroad, so I don't have to file US taxes"
You still file on worldwide income. The FEIE can cut income tax to $0, but it's not automatic — and it doesn't erase self-employment tax, which you still owe in Mexico (Spain can exempt it).
Myth vs. fact💵 "My foreign pension still cuts my US Social Security"
Not anymore — WEP and GPO were repealed. From Jan 2024 an IMSS/Spanish/government pension no longer reduces your US benefit, and SSA owes back pay to those it was cutting.
Myth vs. fact🎁 "My bonus is taxed at a higher rate"
No — it's withheld at a flat 22% (not a higher tax), plus FICA. Your real tax depends on your bracket, and if it's under 22% you get some back at filing.
Myth vs. fact📊 "My RSUs were already taxed — why do I owe more?"
Because 22% was withheld, not your real rate. If your bracket is 32–37%, that's too low — see the exact gap you'll owe at filing before April surprises you.
Myth vs. fact📈 "My ESPP discount is free money"
It isn't — the discount is taxable ordinary income when you sell, and it's usually not withheld. See your qualifying/disqualifying split and the tax you'll owe.
Myth vs. fact🧮 "Exercising ISOs is free until I sell"
No — exercising and holding triggers AMT on the paper gain, so you can owe a big bill with no shares sold and no cash. See your 2026 AMT before you exercise.
Myth vs. fact🏦 "My employer won't let me over-contribute to my 401(k)"
With two jobs it can happen — each plan only polices its own limit. Go over the $24,500 cap and the excess is taxed twice unless you fix it by April 15. Check your total.
Myth vs. fact🩺 "My HSA is use-it-or-lose-it"
No — that's an FSA. An HSA rolls over forever, it's yours, it's portable, and it's triple tax-advantaged. See your 2026 limit and what the tax break is worth.
Myth vs. fact📈 "Capital gains are always taxed"
No — there's a 0% federal bracket. In 2026 you can realize long-term gains tax-free while taxable income stays under $49,450 (single) / $98,900 (joint). See your 0% room.
Myth vs. fact🌍 "Under 183 days, so I'm not a tax resident"
Often false. Mexico has no day-count test (it's home + center of vital interests); Spain makes you resident on days OR economic base OR family. Check your status.
Myth vs. fact🇨🇴 "Colombia's 183 days resets each January"
No — it's 184+ days in any rolling 365-day window (entry & exit days count), and Colombian nationals can be resident on income, assets or family too. Check yours.
Myth vs. fact🎁 "I owe tax on money my family sends me"
No — the recipient owes $0 income tax on a gift, any amount. But over $100,000 from family abroad means filing Form 3520 (info-only, 25% penalty if skipped). Check it.
US taxes & paychecks
Verified 2026 tables — with the right result for ITIN filers.
🏦 Do I have to report my foreign bank accounts?
Over $10,000 abroad triggers an FBAR; FATCA Form 8938 adds higher thresholds by where you live. Check both — the penalties for missing them are brutal.
Myth vs. fact📱 "The IRS taxes your Venmo over $600"
Repealed. The 1099-K threshold is back to $20,000 and 200 transactions — and money from friends was never taxable anyway. See what you actually owe.
🚗 1099 / Self-Employment Tax
What gig and freelance work really owes — SE tax plus income tax, split into your four quarterly payments with due dates.
👨👩👧 Child Tax Credit & EITC (ITIN-ready)
Your child credit and Earned Income Credit for 2025/2026 — and exactly what ITIN filers can claim after the new law.
💸 Tax Refund Calculator
How much you get back — or owe — after federal tax and your credits, with the right result for ITIN filers.
💵 US Paycheck Calculator
Your take-home pay in any state after federal tax, Social Security, Medicare and state tax — verified 2026 tables.
🧾 No Tax on Tips & Overtime — Real Saving
What you'll actually save — only the overtime half-time premium counts, and FICA still applies.
🌐 Remittance Comparison + 1% Tax
How much actually arrives when you send money home, cheapest first — and whether the new 1% tax applies to you.
💍 Do You Earn Enough to Sponsor Your Spouse? (I-864)
The 2026 income requirement for the Affidavit of Support — and the 3 fixes if you fall short (assets, household income, joint sponsor). Falling short ≠ can't petition.
🧮 Am I a US Tax Resident? (Substantial Presence Test)
The IRS weighted-day test — this year + 1/3 of last + 1/6 of the year before. 183 makes you a US tax resident on worldwide income. See if you cross the line.
🎁 Bonus Tax Calculator
Why is so much taken from your bonus? It's flat 22% withholding, not a higher tax. See what's withheld, your take-home, and why you may get some back.
📊 RSU Tax Calculator
Why you owe tax on RSUs already withheld — the flat 22% is often below your real bracket. See the vesting withholding and the exact gap you may owe at filing.
📈 ESPP Tax Calculator
Is your ESPP sale qualifying or disqualifying? See the ordinary-income vs capital-gain split, the tax you owe, and why the discount usually isn't withheld.
🧮 ISO AMT Calculator
Will exercising your stock options trigger AMT? See the bargain element, your 2026 Alternative Minimum Tax, and the bill you'd owe on a paper gain before you exercise.
🏦 401(k) Over-Contribution Checker
Two jobs in 2026? Your combined 401(k) deferrals can pass the $24,500 limit and get taxed twice. Check your total, any excess, and the April 15 deadline to fix it.
🩺 HSA Contribution Calculator
Your 2026 HSA limit ($4,400 self / $8,750 family, +$1,000 at 55), the triple tax saving, and why — unlike an FSA — it never expires. Rolls over, yours, portable.
📈 Capital Gains Tax Calculator
How much in long-term gains can you realize at 0% federal tax in 2026? See your 0%-bracket room and the tax on any gain, stacked on the verified breakpoints.
🎁 Gift Tax Checker (money from family)
Do you owe US tax on money your family sends you? Recipients owe $0 — but foreign gifts over $100,000 need Form 3520. Check who owes or files, giver or receiver.
Mexico
SAT tables and the Ley Federal del Trabajo, verified.
👵 "You can't claim a parent who lives in Mexico"
You can. A parent in Mexico or Canada can be a dependent if their income is under $5,300 and you cover over half their support — worth the $500 credit. Check if yours qualifies.
🎄 Aguinaldo Calculator (2026)
How much you're owed — prorated even if you quit — what's ISR-exempt, and the legal deadline: December 20.
⏱ Mexico's 40-Hour Workweek — When It Reaches You
It's now law: 48→40 hours, 2027–2030. The year it hits you, why your pay can't be cut, and what your overtime is really worth (double, then triple).
🇲🇽 Severance — Finiquito / Liquidación
What you're owed if you resign or are fired — aguinaldo, vacation, 90 days, seniority premium, under the LFT.
🇲🇽 Mexico Net Salary Calculator
Take-home pay after ISR, IMSS and the employment subsidy, with the verified 2026 SAT tables. No email wall.
Spain & visas
The income-based rules that replaced the flat fees — and what visas really require.
🌍 Am I a Tax Resident of Mexico or Spain?
Mexico has no 183-day test (home + center of vital interests); Spain makes you resident on days OR economic base OR family. Check your likely 2026 status and the treaty tie-breaker.
🇪🇸 Autónomo Social Security Quota
The flat fee is gone — your real 2026 monthly quota by income bracket, plus the €80 tarifa plana for new autónomos.
📜 Apostille & Translation Cost
What it costs to apostille and certify-translate your documents for a visa or immigration — by country and document.
🗓 Schengen 90/180 Day Calculator
Count your days the way the EES does — rolling 180-day window, both entry and exit days. Days used, days left, and your next safe entry date.
🛂 Spain Visa Income Calculator
How much you need to earn for a non-lucrative or digital nomad visa in 2026 — by family size, whether you clear it, and the savings route. Built on the 2026 IPREM & SMI.
Moving abroad
Honest ranges, no quote walls.
🦅 Am I eligible for US citizenship yet?
Check your continuous residence, physical presence (913 / 548 days), and the 90-day early-filing rule — and the exact date you can file Form N-400.
💐 K-1 fiancé visa cost calculator
Add up the real government cost — I-129F, the K-visa, the medical, and the green card — with the work permit and travel document free. Around $2,380 total.
🇨🇴 Am I a Tax Resident of Colombia?
184+ days in any rolling 365-day window — not the calendar year — plus the income/assets/family criteria for Colombian nationals and the domicile carve-out. Check your 2026 status.
💰 Relocation Budget Calculator
The full cost of your move, itemized by corridor — US↔Colombia, US↔Mexico, Mexico/Colombia↔Spain.
🚢 International Moving-Cost Estimator
Transparent price ranges by corridor and home size — no quote-wall.
🛂 Colombia Visa Income Checker
Digital nomad, pensioner, rentista, worker — do you clear the 2026 threshold?
🐾 Pet Relocation Checker
Country-pair rules for dogs and cats — microchip, rabies, titer tests, certificates, timelines.
📈 Equivalent Salary Calculator
The salary you'd need in City B to live like you do in City A — from official statistics.