All Calculators & Tools
Every free ScholarPay tool in one place: student loan, repayment, and 2026 tax calculators plus plain-English guides. No sign-up, no data collection.
Student Loan Calculators
Work out your balance, your payoff date, and what each extra dollar saves you.
Payoff Calculator
See your debt-free date and the total interest you will pay over the life of the loan.
Find my payoff date →Extra Payment Calculator
See how much time and interest an extra $25, $50 or $100 a month saves you.
Calculate the savings →Interest Calculator
See how much interest your loan accrues, and how daily interest compounds over time.
Calculate interest →Refinance Calculator
Compare your current rate against a refinanced one and find your break-even point.
Compare rates →Avalanche vs Snowball
Compare the two payoff methods and see which clears your balance for less.
Compare methods →DTI Calculator
Check your debt-to-income ratio and whether it clears a refinance lender threshold.
Check my DTI →Loans by State
Student loan and state tax basics for all 50 states, plus where there is no income tax.
Pick your state →Repayment & Forgiveness
Compare income-driven plans, estimate RAP, and track your path to forgiveness.
IDR Calculator
Estimate your payment under IBR, PAYE and SAVE from your income and family size.
Estimate my payment →RAP Calculator
Estimate your payment under the new 2026 Repayment Assistance Plan (1% to 10% of AGI).
Calculate RAP →Repayment Plan Comparison
Put every repayment plan side by side and see which one fits your income.
Compare plans →PSLF Progress Calculator
Track your 120 qualifying payments toward Public Service Loan Forgiveness.
Track my progress →Tax & Paycheck Tools
Estimates built on 2026 IRS figures, from take-home pay to the credits you are owed.
Take-Home Pay Calculator
Estimate your net paycheck after federal income tax, Social Security, Medicare and deductions.
Calculate take-home pay →Federal Tax Bracket Calculator
Find your 2026 marginal rate, effective rate and a bracket-by-bracket breakdown.
Find my bracket →Self-Employment Tax Calculator
Calculate the 15.3% self-employment tax on freelance and 1099 income, plus the deduction.
Calculate SE tax →Student Loan Interest Deduction
See how much of your student loan interest (up to $2,500) you can deduct.
Calculate my deduction →W-4 Withholding Calculator
Check whether your withholding is on track and how much to add on line 4(c).
Check my withholding →Quarterly Estimated Tax
Work out what self-employed and 1099 workers owe each quarter.
Calculate quarterly →Child Tax Credit & EITC
Estimate the Child Tax Credit, Credit for Other Dependents, and check EITC eligibility.
Calculate my credits →State Income Tax Comparison
Compare state income tax for 2026 and what you would save by moving.
Compare states →Guides
Plain-English walkthroughs for filing, forms, and the paperwork behind the numbers.
How to File Your Taxes
A seven-step walkthrough, from who must file to every free filing option.
Read the guide →Which Tax Forms Do I Need?
Check off what happened in your year and get a personalized list of forms.
Build my checklist →Tax Filing Checklist
Everything to gather before you sit down to file, in one list.
Open the checklist →How to Read Your 1098-E
The student loan interest statement explained, and how to turn it into a deduction.
Read the guide →Tax Refund Guide
How refunds work, how long they take, and how to stop over-withholding.
Read the guide →Blog
Long-form explainers on repayment, forgiveness, interest and taxes.
Browse articles →Frequently Asked Questions
Are all of these tools free?
Yes. Every calculator and guide on ScholarPay is free, requires no sign-up, and runs entirely in your browser. Your income and loan figures never leave your device.
Which calculator should I start with?
If you have student loans, start with the Payoff Calculator for your debt-free date, or the IDR or RAP calculators if your payment is too high. If you want to know what you actually keep from your paycheck, start with the Take-Home Pay Calculator.
Are the results official?
No. These are estimates based on published IRS and StudentAid.gov figures and standard formulas, built for planning. Confirm your actual numbers against official sources before you act.
Last updated: October 2026 · Reviewed by ScholarPay editorial team · General information only — not tax or financial advice.