MyClearCost is a free site for people in the United States who want clear money numbers and the context around them: Money Guides, timely Money Now explainers, and calculators for take-home pay, housing, auto loans, retirement, and debt.
Too many tools stop at principal and interest, or at a federal tax table with no state. American households also pay property tax, homeowners insurance, PMI, HOA dues, state wage tax or sales tax, FICA, and employer 401(k) match rules. Calculators put those inputs on the first screen and the result in large type. Guides and Money Now explain what changed and what to check next — without turning a labeled estimate into advice.
Who runs this site
MyClearCost is independently operated in the United States. There is no bank, broker, or parent company behind the pages. The publishing entity responsible for this site is MyClearCost itself.
The site exists to answer practical U.S. household-money questions in plain language: what your money is doing, what is changing, what a decision means in dollars, and what you can check next. That includes evergreen Money Guides, timely Money Now explainers, and calculators that show a monthly number with the main costs included.
Before a calculator example or worked figure is published, the math is checked against the site's formulas and recalculated with the same inputs. For Money Now and other current-event claims, we prefer official or primary sources when they are practical to cite. Planning assumptions used for illustration are labeled as illustrative — not forecasts or national averages.
MyClearCost is not a bank, mortgage broker, auto dealer, payroll company, or registered investment adviser. We do not sell loans, insurance, or credit cards. We do not collect credit reports or require an account. Calculator tools run in your browser; the figures you type are not stored on a server we control.
If a result, guide fact, or Money Now detail looks wrong, write from the contact page with the page URL, what appears incorrect, and a source if you have one. Corrections are part of the job, not a footnote.
What we are not
- Not a lender, broker, or credit union. Nothing here is a quote, pre-approval, or rate lock.
- Not a tax preparer. Paycheck results omit credits, local taxes, and a full Form W-4.
- Not a registered investment adviser. Retirement and FIRE charts assume smooth returns that real markets do not deliver.
- Not legal advice. PMI cancellation, escrow shortages, and card agreements follow your contract and federal rules, not a web form.
Read the disclaimer before you sign anything. Compare every result with your pay stub, Loan Estimate, or card statement.
Corrections
If a formula or a 2026 tax constant is wrong, we want the email. Describe the page, the inputs, and the number you expected. We will change the tool when the math is wrong — not when a result is merely disappointing. Guides are dated. When IRS or SSA figures move, the paycheck constants should move with them; statewide tax shortcuts may lag.
How we work
Calculator formulas are standard amortization, IRS inflation-adjusted brackets for tax year 2026, Social Security and Medicare wage rules, and statewide typical tax rates you can override. The exact steps live on the methodology page. Money Guides explain the vocabulary (PITI, FICA, avalanche) in ordinary English. Money Now starts from a current development and asks what it could mean for household cash flow.
We do not copy other sites. Guides and Money Now pieces are written for this site. When we cite a public rule or a published rate series — a standard deduction, a Fed target range, a mortgage-rate average — we point to sources a reader can check. Methodology covers calculator math; About covers who we are and what we are not.
How the site stays free
MyClearCost is free to use. We may display clearly labeled advertising from Google AdSense so the guides, Money Now explainers, and calculators can remain free. Ads never change a formula, a default, or a result. We do not write lender “reviews” in exchange for a referral, and we do not sell your calculator inputs — those numbers stay on your device. Print / save PDF is free and includes no watermark; it does not change any calculator math.
If ads appear, they will be marked as advertising. You can read how cookies and partners work in the Privacy Policy. Questions about a page or a number still go to the same inbox: we answer people, not ad networks, about the math.
Contact
Formula errors, privacy requests, and broken pages: contact MyClearCost or contact@myclearcost.com.