Tools and guides to maximize your finances
No sign-up. Clear assumptions on every result.
Calculators
View allA number for the decision in front of you — tax, a house payment, or what hits the bank.
- Federal taxYou want a federal refund / owed estimate before you file.
- Loan paymentYou have amount, APR, and term for an auto or personal loan.
- IRA & 401(k) contributionYou are setting deferrals and need this year’s limit and match.
Playbooks
View allOrdered steps for a life event. Each step opens a calculator or a compare.
- TaxTax seasonEstimate federal tax, decide whether to itemize, then set withholding and retirement deferrals before year-end.
- HomeBuying a houseCap the price from income, then see the monthly payment, then check whether a refinance later would recoup costs.
This year (2026)
View allIRS and SSA figures stamped on the calculators. Confirm against the notice if you are filing.
Guides
View allShort explainers that end in a calculator — how the number is built, not advice.
- IRS IP PIN 2027 — Get Your Identity Protection PIN Before the Mid-November ShutdownThe IRS says to request an Identity Protection PIN before its online tool goes down for annual maintenance in mid-November 2026, if you plan to file early in 2027. Who can get one, the three ways to enroll, dependents, income limits for Form 15227, and how to use the six-digit PIN on your 2026 return.
- ACA Open Enrollment 2027 — Deadlines and Premium Tax Credit ChangesHealthCare.gov open enrollment for 2027 runs Nov 1, 2026 to Jan 15, 2027 (Dec 15 for a Jan 1 start). What changes for the premium tax credit under the 2025 tax law, with dates checked against IRS, CMS, and HealthCare.gov. No repayment cap from 2026, citizenship and immigration limits from 2027, and new checks before enrollment from 2028.
- Education Freedom Tax Credit 2027 — The $1,700 Federal Scholarship Tax Credit (§25F) ExplainedStarting January 1, 2027, a new federal tax credit of up to $1,700 per person ($3,400 for a married couple filing jointly, under proposed IRS rules) pays you back dollar for dollar for cash gifts to K-12 scholarship granting organizations in participating states. Which states are in, how the credit is figured, the state credit and charitable deduction rules, Form 8525, and what is still proposed.