Financial reference tables
The numbers behind the calculators — federal tax brackets, the standard deduction, retirement contribution limits, RMD tables and loan limits. Each table is verified against its primary source (IRS, SSA, FHFA, HUD) and updated every year, with a link to the calculator that uses it.
Taxes
2026 & 2025 Federal Income Tax Brackets All seven rates and thresholds by filing status, 2026 and 2025, plus capital-gains breakpoints. View table 2026 & 2025 Standard Deduction Standard deduction by filing status for 2026 and 2025, plus the 65+/blind add-on. View table 2026 Social Security & FICA Payroll Tax Facts COLA, wage base, FICA rates, maximum benefit by age and the earnings test, 2026 and 2025. View table 2026 Capital Gains Tax Rates Long-term 0/15/20% thresholds, short-term rules, NIIT, home-sale exclusion and collectibles. View table 2026 Earned Income Tax Credit (EITC) Maximum credit and income limits by children and filing status, plus who qualifies. View table 2026 Estate & Gift Tax Exemption The $15M exemption, $19,000 annual gift exclusion, GST exemption and 40% rate. View table 2026 Tax Deadlines & Due Dates Filing date, quarterly estimated-tax dates, the extension, and IRA/HSA deadlines. View table 2026 IRS Standard Mileage Rates Business, medical and charitable mileage rates for 2026 and 2025, and who can deduct. View table 2026 Effective Federal Tax Rate by Income What share of income actually goes to federal tax — computed by income level and filing status. View table Tax Bracket vs Effective Rate (2026) Marginal bracket vs effective rate by income — the gap, side by side. View table Property Tax Rates by State Median property tax bill, home value and effective tax rate for every state, from Census data. View table Sales Tax Rates by State (2026) The 2026 state sales tax rate for every state, plus the maximum combined rate with local taxes. View table
Retirement & health
2026 Retirement Contribution Limits (401k, IRA, Roth) 401(k), IRA and Roth limits with catch-ups, super catch-up and income phase-outs. View table RMD Tables — IRS Uniform Lifetime & Single Life The full Uniform Lifetime and Single Life tables, RMD age, formula, deadlines and penalties. View table 2026 HSA & FSA Contribution Limits HSA and FSA limits, the HDHP rules that make you eligible, and HSA vs FSA. View table 401(k) Withdrawal Rules & Early-Withdrawal Penalty Age 59½, the 10% early penalty, the exceptions that waive it, and how withdrawals are taxed. View table How Long Will $1 Million Last in Retirement? Years a $1M nest egg lasts at each withdrawal rate and return — a computed matrix. View table What Your 401(k) Match Is Really Worth Common match formulas converted to an equivalent raise and instant return. View table
Saving & investing
What Will Your Money Be Worth? Inflation Erosion Table How inflation quietly shrinks the purchasing power of $100,000 over time. View table The Cost of Waiting to Invest What starting 5, 10 or 20 years later really costs you by retirement. View table How Much to Save to Reach $1 Million Monthly savings needed to hit $1M, by time horizon and return. View table Average Net Worth by Age in the U.S. Median and average U.S. net worth by age group, from the Federal Reserve Survey of Consumer Finances. View table 529 Plan Contribution Limits by State (2026) How much you can put in a 529 plan — annual gift limits, the superfunding rule, and the aggregate cap for every state. View table
Debt
Debt Snowball vs Avalanche: Which Saves More? Which payoff method saves more — a computed head-to-head on $30,000 of debt. View table Average Car Loan Interest Rate by Credit Score Average auto loan APR for new and used cars, broken down by credit-score tier, with a rate chart. View table Average Credit Card Interest Rate (APR) The average U.S. credit card APR, how it compares to other consumer loans, and what carrying a balance costs. View table
Mortgages
2026 Conforming Loan Limits (Fannie Mae / Freddie Mac) Baseline and high-cost conforming limits by units, 2026 vs 2025, plus the jumbo threshold. View table 2026 FHA Loan Limits (+ HECM Reverse Mortgage) FHA floor and ceiling by units, how county limits are set, and the HECM limit. View table Debt-to-Income (DTI) Ratio Limits by Loan Type The 28/36 rule, maximum DTI by loan type, and how to calculate yours. View table Mortgage Refinance Break-Even Table Months to recoup refinance closing costs, by rate cut and closing cost. View table The True Cost of Your Mortgage Rate What every 0.25% of rate adds to your payment and total interest. View table How Much Does PMI Cost? (Private Mortgage Insurance) What private mortgage insurance costs per month, how credit score changes it, and how to cancel it. View table Down Payment Requirements by Loan Type The minimum down payment for conventional, FHA, VA, USDA and jumbo loans — in percent and dollars. View table VA Funding Fee Rates The one-time VA loan funding fee by down payment and use, with dollar examples and exemptions. View table Minimum Credit Score by Mortgage Loan Type The minimum credit score lenders require for conventional, FHA, VA, USDA and jumbo mortgages. View table FHA Mortgage Insurance (MIP) Rates The two-part FHA mortgage insurance premium — upfront and annual — with current rates and how to drop it. View table
Economy & rates
Historical U.S. Inflation Rate by Year Annual U.S. inflation rate by year (CPI), with a trend chart and the latest reading. View table Current Mortgage Rates The current average 30-year and 15-year fixed mortgage rates, with a trend chart, updated weekly. View table Cost of Living by State The official cost-of-living index (regional price parities) for every state, US average = 100. View table Minimum Wage by State (2026) The 2026 minimum wage for every state and DC, from the federal $7.25 floor to the highest in the nation. View table