United States Financial Suite

Estimate 2026 federal income tax with the $16,100/$32,200 standard deductions, model the OBBBA deductions for tips, overtime, seniors, and auto loan interest, and check self-employment tax (15.3%) and capital gains rates.

No Tax on Tips Calculator

Calculate your tax savings from the OBBBA 'No Tax on Tips' federal deduction.

No Tax on Overtime Calculator

Estimate your federal income tax savings under the OBBBA overtime deduction.

Senior Deduction Calculator

Calculate your additional $6,000 above-the-line senior deduction under the OBBBA.

Auto Loan Interest Deduction Calculator

Estimate your deductible auto loan interest for new, US-made passenger vehicles.

OBBBA Total Savings Calculator

Model your combined federal income tax savings across all four new OBBBA deductions.

IRS Penalty Relief & AEP Calculator

Determine your eligibility for the new 2026 IRS Automatic Exemption from Penalty (AEP) program and estimate waiver savings.

IRS Mileage Rate Split Calculator (2026)

Calculate your split-year 2026 vehicle tax deduction (H1 at 72.5¢ vs H2 at 76¢ per mile) under IRS Announcement 2026-11.

Loans

Calculate monthly principal and interest on mortgages, personal loans, and auto loans, with front-end and back-end debt-to-income (DTI) checks and full amortization schedules.

VA Partial Claim Estimator

Estimate how much the VA can advance to cure your delinquent VA-backed mortgage arrears under the new Partial Claim Program (0% interest, repaid at sale).

Student Loan SAVE Transition Calculator

Calculate your monthly payment shock, new 10% IDR / RAP payments, and PSLF eligibility following the March 2026 SAVE termination.

Investments

Project long-term compound growth, dividend income, and portfolio returns, including dollar-cost averaging against lump-sum investing.

IRS AFR Intra-Family Loan Calculator

Calculate statutory August 2026 IRS Applicable Federal Rates (AFR) for intra-family loans and check imputed interest gift tax risk under RR-2026-12.

Retirement

Plan 2026 contributions against the $24,500 401(k) limit (plus $8,000 catch-up, or $11,250 at ages 60-63) and the $7,500 IRA limit, and compare pre-tax against Roth growth.

401(k) Contribution Maximizer (2026)

Calculate per-paycheck 401(k) deferrals to hit 2026 limits ($24,500 base, $11,250 Super Catch-Up for ages 60-63) and claim full employer match.

Savings & Budget

Measure how inflation erodes cash, size an emergency fund from your real monthly expenses, and project how long retirement withdrawals last.

Inflation Impact Calculator

Examine how rising prices erode the future purchasing power of your cash.

Trump Account Growth Calculator

Calculate Section 530A Trump Account savings, government seed compounding, and taxable basis splits under OBBBA.

Compare Financial Products

Compare investments, retirement accounts, tax regimes, insurance types, and mortgages side-by-side with interactive calculators and real-time projections.

Browse Comparisons

United States Finance Terms

Explore localized financial terms, definitions, and concepts specific to United States. Search and understand key finance vocabulary for better planning.

Browse Glossary

How US tax and retirement math actually works in 2026

Every US calculator on this site runs the same math the IRS applies: 2026 brackets and deductions, FICA payroll rates, and the statutory retirement limits.

Federal income tax, FICA, and self-employment tax

Taxable income is gross income minus the standard deduction ($16,100 single, $32,200 joint for 2026) or itemized deductions, then run through the progressive brackets from 10% to 37%. Payroll adds FICA: 6.2% Social Security up to the $184,500 wage base and 1.45% Medicare on everything, plus 0.9% Additional Medicare above $200,000. Self-employed workers pay both halves, 15.3% on 92.35% of net earnings, with half of it deductible against income tax.

Mortgage payments and borrowing capacity

US mortgages compound monthly: payment = P × r(1+r)^n / ((1+r)^n − 1). Lenders test affordability with two ratios: front-end DTI (housing costs against gross income, typically capped near 28%) and back-end DTI (all debt payments, capped at 36% to 43% for qualified mortgages). Property tax, homeowners insurance, and PMI (required below 20% down) sit on top of principal and interest in the real monthly outlay.

Retirement accounts and capital gains

Pre-tax 401(k) and traditional IRA dollars cut today's taxable income but are taxed as ordinary income at withdrawal; Roth dollars are taxed now and grow tax-free. The 2026 limits are $24,500 (401k) and $7,500 (IRA), with catch-ups from age 50. On the taxable side, gains held over a year get the preferential 0%/15%/20% ladder, while anything sold within a year is taxed like wages, often the single most expensive timing mistake retail investors make.

Research-Backed ToolsBuilt by Galvin Mendonca, Finance Researcher

All figures from primary government sources. Last updated July 2026.

Frequently asked questions about United States finance

Which IRS tax bracket am I in for 2026?

What is the standard deduction for 2026?

What are the new OBBBA deductions for tips, overtime, and auto loans?

Through 2028, workers in customarily tipped occupations can deduct up to $25,000 of reported tips, overtime workers can deduct up to $12,500 ($25,000 joint) of the premium portion of overtime pay, and buyers of new US-assembled vehicles can deduct up to $10,000 of auto loan interest. Each deduction phases out above income thresholds ($150,000 for tips and overtime), requires a valid SSN, and is barred for married filing separately on tips and overtime.

What are the 401(k) and IRA contribution limits for 2026?

What is the capital gains tax rate for 2026?

Do I need to pay quarterly estimated taxes?

IRS 2026 standard mileage rate split-year guide showing the business rate rising from 72.5 cents in the first half to 76 cents per mile from July 1, 2026, with the medical rate climbing to 23.5 cents and charity fixed at 14 cents

IRS Raises the Business Mileage Rate to 76 Cents Mid-Year: The Split-Year Trap That Could Cost You Hundreds

The IRS bumped the business mileage rate to 76 cents per mile effective July 1, 2026, up from 72.5 cents in the first half. Here's how to split your deduction correctly and avoid an audit flag.

SAVE plan transition guide showing the March 10 2026 court order ending SAVE, the 90-day window starting July 1 2026, payment shock math comparing 5 percent SAVE payments to 10 percent IDR payments, and the new Repayment Assistance Plan RAP options

The SAVE Plan Is Dead. You Have 90 Days From July 1, 2026 to Pick a New Repayment Plan, Here's How to Avoid the Payment Shock

A March 10, 2026 court order ended the SAVE plan. Starting July 1, 2026, borrowers get a 90-day window to choose a new repayment plan or be auto-enrolled. Here's how to calculate your payment shock and pick between IDR, IBR, PSLF, and the new RAP.

Infographic showing the VA Partial Claim Program cap structure (25% standard, 30% COVID-era), the 3-month trial payment plan process, and how the 0% subordinate lien is repaid at sale or refinance.

VA Partial Claim Program 2026: Cure Your VA Mortgage Arrears at 0% Interest — Complete Guide

The VA Partial Claim Program (opened June 15, 2026) lets the VA advance up to 25% of your unpaid principal balance (30% for COVID-era arrears) as a 0% interest subordinate lien to cure delinquent VA-backed mortgage arrears. No monthly payment required — repaid only at sale or refinance. Must complete a 3-month trial payment plan first.

Breakdown of the IRS Automatic Exemption from Penalty (AEP) program showing the 3-year clean compliance check, automatic systemic waiver, and excluded interest accrual.

IRS Automatic Exemption from Penalty (AEP) Guide 2026: Claim Your Tax Penalty Waiver Instantly

The IRS has officially launched the Automatic Exemption from Penalty (AEP) program as of July 8, 2026. Discover how this new systemic waiver automatically removes late filing and payment penalties for eligible taxpayers without filing Form 843, how to qualify with a clean 3-year compliance record, and how to verify your savings.