Calculations That Put Your Finances in Focus
From paycheck clarity to retirement readiness — every dollar matters. Our financial calculators deliver accurate, instant results, right in your browser, completely free.
Our Tools
Purpose-built calculators for your most important financial decisions
Income Tax & Take-Home Pay Calculator
Get a precise breakdown of what you actually earn after federal, state, and FICA taxes. Make informed decisions about job offers, raises, and relocation with real numbers, not guesses.
Calculate Now →Freelancer Rate Converter
Convert between hourly and annual rates with full control over billable hours, time off, and overhead. Set rates that genuinely sustain your freelance business.
Convert Rates →Overtime Pay Calculator
Know exactly what your extra hours are worth. Calculate overtime at time-and-a-half, double time, and triple time — and see how overtime shapes your total earnings.
Calculate Overtime →Severance Pay Calculator
Understand what a fair severance looks like. Model N+1, 2N, vacation payout, and notice pay to approach any separation conversation with clarity and confidence.
Estimate Severance →Retirement Pension Estimator
Project your future pension income under different plan types and service scenarios. A clear picture of where you stand today and what you need to plan for tomorrow.
Estimate Pension →Why Tsicoa?
Tsicoa was created to put reliable financial calculations within everyone's reach — no subscriptions, no data sharing, no fine print. Every tool runs entirely in your browser, so your income numbers, tax details, and personal financial data never leave your device. Whether you are sizing up a job offer, setting freelance rates, calculating overtime, negotiating severance, or mapping out retirement, our calculators give you the straight numbers you need to move forward with confidence.
- 100% Free — No charges, ever
- Instant Results — No page reloads
- Private by Design — All client-side
- Current Data — Updated tax tables
- Works Everywhere — Desktop and mobile
- No Account Needed — Start in seconds
Quick Previews
Try any tool right here — no page navigation needed
About Tsicoa — Your Financial Clarity Hub
Tsicoa is a focused platform built to deliver accurate, private, and genuinely free financial calculations. We believe that understanding your money should not require expensive software, cryptic spreadsheets, or trading away your personal data. Every calculator on this site runs entirely in your browser — your salary figures, tax information, and personal financial inputs stay on your device, period.
Whether you are an employee decoding your paycheck, a freelancer determining your worth per hour, a worker calculating overtime entitlements, someone navigating a layoff, or planning decades ahead for retirement, our tools provide the clarity you need to take informed action. No accounts. No fees. No tracking. Just straightforward, accurate numbers.
Who Uses Tsicoa?
👤 Employees & Job Seekers
Run the real numbers before signing an offer. Compare take-home pay across states, factor in bonuses and deductions, and enter every negotiation with a clear picture of what each salary translates to in your pocket.
💼 Freelancers & Sole Proprietors
Set rates that account for real-world realities: unpaid admin time, vacation, holidays, and the gap between billable hours and total hours worked. Convert your target income to a viable hourly rate with confidence.
⚖ Workers in Transition
When a layoff or termination happens, emotions run high. Our severance calculator helps you cut through the noise: model N+1, 2N, vacation payout, and notice pay to evaluate any package against a recognized standard.
🏞 Retirement Planners
Forecast your pension across different formula types and service lengths. Understand your replacement rate, breakeven horizon, and lifetime pension value — and build realistic retirement income expectations.
How Our Calculators Work — Private by Design
Every calculator on Tsicoa operates entirely on your device through client-side JavaScript. When you enter your salary into the tax calculator or your hourly rate into the freelancer converter, that information never reaches a server. It is not stored in a database. It is not logged in an analytics dashboard. The calculations execute in your browser tab, and the results appear instantly.
This approach is not just better for privacy — it is faster and more reliable. There is no round-trip latency, no loading spinners while your data processes remotely, and no risk of a breach exposing your financial details. We designed it this way deliberately because we believe this is the only responsible way to handle sensitive financial calculations online.
Our tax data uses publicly available IRS tax brackets and standard deduction figures, alongside state-level rates that we review annually. For severance, we model the internationally recognized N+1 and 2N formulas. For pensions, we apply the standard defined-benefit formula: salary × years × accrual rate. Every methodology is documented and transparent.
Beyond the calculators, our Blog offers in-depth articles exploring the concepts behind the numbers — from how marginal tax brackets work to the economics of freelance work and the math of retirement planning. We believe tools are most valuable when you understand the reasoning behind every calculation.
Try the Tax Calculator →