Free after-tax investment calculator

Higher yield.
But more money
after tax?

Free after-tax income and dividend calculators

Higher dividends don’t always mean more take-home income. Compare investments, estimate your income after tax, or plan your whole portfolio—all free.

Why after-tax yield mattersIllustration

Same $100,000.
Different take-home income.

Option A · Taxable5.0% yield
$5,000 income−$1,500 tax
You keep / year$3,5003.5% after-tax yield
Option B · Tax-exempt*4.0% yield
$4,000 income$0 tax*
You keep / year$4,0004.0% after-tax yield
Lower headline yield.
More income after tax.+$500per year in this example

Illustration only, not live rates or an investment recommendation. Assumes a flat 30% tax on A and full exemption on B. *Actual exemptions depend on the investment and your situation. Risk, fees and price changes are not compared.

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Which investment wins after tax?

Use one investment amount, your filing status, state and tax assumptions to compare the income you may keep.

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2025 educational estimate. The comparison models federal and state income tax; it does not compare investment risk, fees, liquidity or price changes. Read the methodology and limitations.

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After-tax income calculator

Estimate take-home income with ordinary income, investments, deductions, filing status, state, local and payroll settings.

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Model multiple accounts, assets and income sources, then compare what-ifs and save versions. A free account is required to save.

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Ask a question. Calculate the implications.

Your AI assistant. An after-tax calculation you can inspect.

Exploring dividend income, retirement cash flow or an investment what-if in ChatGPT, Claude or another compatible assistant? Connect AfterTaxUS through MCP to calculate from your assumptions—not just discuss them.

Connect the free tax engineNo AfterTaxUS account · Calculation-only MCP · Usage limits apply Work with your portfolio through AIAuthorized workbook access · What-ifs · Tax breakdowns MCP setup and app helpConnection issues, row selection and safe scenario updates

Try asking: “Compare my baseline and proposed income. Show federal, state and supported local taxes separately, and explain the assumptions.” See more questions and which tool to use.

Custom MCP support depends on your assistant and account. A chat message alone does not install a connector. Check the tool’s supported tax year; estimates are for planning, not filing.

Planning estimates, not tax or investment advice. AfterTaxUS uses a 2025 tax model and does not cover every rule, credit or special situation. Sample yields are not live quotes.

Methodology and limitations