# US Finance Hub

> Free US financial calculators and practical money guides with transparent formulas, plain-English answers, and authoritative sources.

## Core directories
- [Calculators](https://usfinancehub.com/sitemap.html): Complete calculator and content directory.
- [Learning Centre](https://usfinancehub.com/learn/): Focused financial guides with sources and FAQs.
- [Search](https://usfinancehub.com/search.html): Search calculators, guides, and FAQs.

## Categories
- [Budgeting](https://usfinancehub.com/categories/budgeting): Plan spending, cash flow, emergency reserves, and everyday financial decisions.
- [Banking](https://usfinancehub.com/categories/banking): Compare accounts, interest, fees, deposits, and everyday banking choices.
- [Credit Cards](https://usfinancehub.com/categories/credit-cards): Understand card interest, payoff timelines, rewards, balances, and borrowing costs.
- [Loans](https://usfinancehub.com/categories/loans): Estimate payments, interest, payoff dates, refinancing, and total borrowing cost.
- [Mortgages](https://usfinancehub.com/categories/mortgages): Plan home payments, affordability, refinancing, amortization, and ownership costs.
- [Investing](https://usfinancehub.com/categories/investing): Model compounding, returns, contributions, fees, inflation, and portfolio growth.
- [Retirement](https://usfinancehub.com/categories/retirement): Estimate retirement savings, income needs, contribution gaps, and withdrawal scenarios.
- [Taxes](https://usfinancehub.com/categories/taxes): Estimate federal taxes, deductions, credits, withholding, and tax-aware decisions.
- [Salary & Income](https://usfinancehub.com/categories/salary-income): Convert salary to take-home pay and compare hourly, monthly, and annual income.
- [Savings](https://usfinancehub.com/categories/savings): Set savings goals, compare yields, plan contributions, and build financial reserves.
- [Business](https://usfinancehub.com/categories/business): Model pricing, margins, financing, cash flow, payroll, and business performance.
- [Insurance](https://usfinancehub.com/categories/insurance): Estimate coverage needs, premiums, deductibles, and risk trade-offs.
- [Property](https://usfinancehub.com/categories/property): Evaluate ownership costs, rental returns, property taxes, and real-estate decisions.
- [Net Worth](https://usfinancehub.com/categories/net-worth): Measure assets, liabilities, financial progress, and long-term balance-sheet health.
- [Debt](https://usfinancehub.com/categories/debt): Measure debt ratios, prioritize balances, compare payoff methods, and reduce interest.
- [Education](https://usfinancehub.com/categories/education): Plan college costs, student loans, savings, and education financing.
- [Family](https://usfinancehub.com/categories/family): Plan childcare, parental leave, dependents, family goals, and household protection.
- [Vehicles](https://usfinancehub.com/categories/vehicles): Estimate auto payments, ownership costs, depreciation, fuel, and lease-versus-buy decisions.

## What US Finance Hub is
- US Finance Hub publishes free, browser-based US financial calculators and plain-English money guides.
- Audience: US households, employees, and small-business owners making borrowing, saving, tax, payroll, and retirement decisions.
- Coverage: United States federal rules, with state and local variation flagged on each page.
- Every calculator shows its formula, assumptions, a worked example, FAQs, and primary sources.

## Important calculators
- [Mortgage Payment Calculator](https://usfinancehub.com/calculators/mortgage-calculator): Estimate a monthly mortgage payment with principal, interest, taxes, insurance, and HOA fees.
- [Compound Interest Calculator](https://usfinancehub.com/calculators/compound-interest-calculator): See how an initial balance and regular contributions may grow through compounding.
- [Loan Repayment Calculator](https://usfinancehub.com/calculators/loan-repayment-calculator): Calculate a fixed monthly loan payment, total interest, and total repayment cost.
- [Credit Card Payoff Calculator](https://usfinancehub.com/calculators/credit-card-payoff-calculator): Estimate how long credit card debt may take to repay and how much interest it may cost.
- [Mortgage Affordability Calculator](https://usfinancehub.com/calculators/mortgage-affordability-calculator): Estimate an affordable mortgage and home price from income, debts, housing costs, rate, and down payment.
- [Savings Goal Calculator](https://usfinancehub.com/calculators/savings-goal-calculator): Calculate the monthly amount needed to reach a savings target by a chosen date.

## Editorial standards
- [Methodology](https://usfinancehub.com/about/methodology.html): How formulas, official data, annual updates, testing, rounding, and limitations are handled.
- [Editorial Policy](https://usfinancehub.com/about/editorial-policy.html): Accuracy, transparency, independence, accessibility, and commercial disclosure standards.
- [Corrections Policy](https://usfinancehub.com/about/corrections.html): How errors are reported, reviewed, corrected, and logged.

## Editorial notes
- Calculator outputs are educational estimates and state their assumptions.
- Time-sensitive rules are labeled by year and linked to authoritative sources.
- llms.txt is an experimental discovery aid, not a replacement for crawlable HTML, robots.txt, or XML sitemaps.