Drag a slider — watch the numbers move. Accurate for your state, and nothing you type ever leaves your browser.
2026 rules, standard deduction. Pick a state, add what applies — same engine as the full calculator.
You keep — · effective rate —
Get your exact 2026 number →Compound growth on steady monthly deposits.
Balance — · you put in —
Turn it into your work-optional number →Principal & interest only — property tax and insurance come on top.
Monthly payment — · total interest — · refinancing saves —
See what extra payments save →The minimum-payment path is 1% of the balance plus interest — the slow way.
Same loan — plus a little extra every month.
What your cash will really buy later, in today’s dollars.
Every tool on the site, grouped the way people ask.
All statesPaychecksWorking householdsWages rose 3.2% and benefits rose 3.8% over the year. After inflation, private-industry wages were down 0.4%.
August 2, 2026 · 4 min read → Real Raise Calculator
All statesU.S. economyAll incomesHeadline growth slowed, but consumer spending and private investment together grew at a 3.9% annual pace.
August 2, 2026 · 4 min read → Real Raise Calculator
All statesPricesAll incomesIncome rose 0.2%, spending rose 0.3%, and the personal saving rate fell to 2.7% of disposable income.
August 2, 2026 · 4 min read → Idle Cash Calculator
All statesInterest ratesAll incomesThe Fed held its benchmark range in a 9-3 vote. Three officials preferred a quarter-point increase because inflation remains elevated.
July 29, 2026 · updated August 2 → Refinance Break-Even Calculator
All statesStudent loansMiddle incomeAbout 7.5 million people are being moved off the SAVE plan. Notices started going out July 1, and borrowers get about 90 days to choose.
July 27, 2026 · 5 min read → Income Tax Calculator
All statesSocial SecurityRetired & fixed incomeA current forecast puts the 2027 cost-of-living increase near 3.8%. The official figure arrives in October.
July 26, 2026 · 4 min read → Work-Optional Number CalculatorEvery calculator runs in your browser — nothing you type is ever sent to a server.
Rates and rules for all 50 states and D.C., not national averages.
Checked against the 2026 federal and state numbers as they change.