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◆ FREE 2026 U.S. PERSONAL FINANCE & ECONOMIC WORKSTATION

See How Federal Rates, Taxes & Inflation Affect Your Money

Run exact numbers across 12 free U.S. calculators — 50-state mortgage & escrow, paycheck withholding, credit card payoff, 529 & HSA tax rules, 401(k) longevity, and state-tax-exempt Treasury yields — backed by official Federal Reserve, BLS, IRS, and U.S. Treasury data.

Explore All 12 Calculators → Read Live U.S. Official Wire → Pick Your U.S. State ↓
Start With a Working Calculator EXACT INPUTS + PDF
Mortgage & Escrow→ First Paycheck Tax→ Credit Card Payoff→ 401(k) & Retirement→ T-Bill vs. Bank CD→ Household Inflation→
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◆ FRED · BLS · U.S. TREASURY BENCHMARKS (US-STATUTORY-2026.11)

Key U.S. Interest Rates, Inflation & Release Countdowns

NEXT FED FOMC (DEC 9): 26d 01h 00m 00s
NEXT U.S. CPI (DEC 10): 26d 19h 30m 00s
FED FUNDS TARGET
3.75%–4.00%
Effective 3.88% · FOMC Target · Daily EFFR
U.S. CPI-U INFLATION
3.8% YoY
Cumul. +30.2% Since 2020 · Monthly · BLS CPI-U
30Y FIXED MORTGAGE
7.11%
15Y Fixed 6.38% · Weekly Survey · Freddie Mac PMMS
10Y TREASURY YIELD
4.98%
2s10s +25 bps · Daily Close · FRED DGS10
U.S. UNEMPLOYMENT
4.1%
Monthly · BLS Household Survey
U.S. PUBLIC DEBT
$40.58T
As of 2026-11-10 · Daily Ledger · U.S. Treasury
ILLUSTRATIVE RATE SCENARIOS:
Current Baseline — $425k Mortgage (7.11%): $3,284/mo $50k 6M T-Bill (4.41%): $2,205/yr Cash CPI Drag (3.8%): -$1,900/yr
30-SECOND CPI CHECK Did Your Paycheck Beat U.S. Inflation?
Real Purchasing Power: -$2,621/yr (-3.1%) Needs $84,621 today to match Jan 2020 (+30.2% BLS CPI-U)
Full Basket Test →
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Live U.S. Official Wire

.GOV FEED All Releases →
◆ VERIFIED SCHEDULE • FOMC · CPI · PAYROLLS · GDP · 10Y

U.S. Economic Release Calendar

EASTERN TIME (ET)
[BEA] Nov 25, 2026 · 08:30 ET
Scheduled

U.S. Real GDP (Q3 2026 Second Estimate)

Status: Current Benchmark: 2.8% Annualized (Advance)

Wallet Impact: Measures economy-wide output and corporate profit momentum, shaping bond market expectations for Fed policy. Model Impact →

[BLS] Dec 04, 2026 · 08:30 ET
Scheduled

Employment Situation — Nov 2026 Nonfarm Payrolls & U-3 Rate

Status: Current Benchmark: 4.1% U-3 Unemployment

Wallet Impact: Payrolls and average hourly wage growth reprice 2-Year Treasury yields and household paycheck bargaining power. Model Impact →

[TREASURY] Dec 08, 2026 · 13:00 ET
Scheduled

10-Year U.S. Treasury Note Reopening Auction (Announced Dec 3)

Status: Current Benchmark: 4.98% DGS10 Benchmark

Wallet Impact: 10-Year Treasury auction demand feeds into afternoon lender mortgage rate sheets and fixed-income yields. Model Impact →

[FED] Dec 09, 2026 · 14:00 ET
Scheduled

FOMC Interest Rate Decision & Summary of Economic Projections

Status: Current Benchmark: 3.75%–4.00% Target

Wallet Impact: Sets the overnight Federal Funds Target Range governing bank Prime Rate, variable credit card APRs, and savings APYs. Model Impact →

[BLS] Dec 10, 2026 · 08:30 ET
Scheduled

Consumer Price Index — Nov 2026 CPI-U & Shelter Inflation

Status: Current Benchmark: 3.8% YoY CPI-U

Wallet Impact: Tracks retail cost changes across shelter, groceries, insurance, and energy — setting real paycheck purchasing power. Model Impact →

◆ 50 STATES + D.C. TAX, ESCROW & INSURANCE BENCHMARKS

Select Your State — Calculators Auto-Load Your Local Rates

SAVED LOCALLY IN BROWSER
Florida (FL) — Income Tax 0%, Property Tax 0.91%, Avg Insurance $5,480/yrCalifornia (CA) — Income Tax 6.8%, Property Tax 0.75%, Avg Insurance $2,680/yrHawaii (HI) — Income Tax 6.4%, Property Tax 0.31%, Avg Insurance $2,150/yrTexas (TX) — Income Tax 0%, Property Tax 1.68%, Avg Insurance $3,980/yrLouisiana (LA) — Income Tax 3%, Property Tax 0.56%, Avg Insurance $5,190/yrNew York (NY) — Income Tax 6.2%, Property Tax 1.64%, Avg Insurance $2,490/yrNew Jersey (NJ) — Income Tax 5.5%, Property Tax 2.23%, Avg Insurance $2,180/yrColorado (CO) — Income Tax 4.4%, Property Tax 0.55%, Avg Insurance $3,620/yrMassachusetts (MA) — Income Tax 5%, Property Tax 1.17%, Avg Insurance $2,450/yrArizona (AZ) — Income Tax 2.5%, Property Tax 0.62%, Avg Insurance $2,390/yrNevada (NV) — Income Tax 0%, Property Tax 0.55%, Avg Insurance $1,740/yrIllinois (IL) — Income Tax 4.95%, Property Tax 2.08%, Avg Insurance $2,540/yrWashington (WA) — Income Tax 0%, Property Tax 0.88%, Avg Insurance $1,920/yrGeorgia (GA) — Income Tax 5.19%, Property Tax 0.9%, Avg Insurance $2,690/yrOregon (OR) — Income Tax 7.2%, Property Tax 0.91%, Avg Insurance $1,720/yrConnecticut (CT) — Income Tax 5.2%, Property Tax 1.96%, Avg Insurance $2,290/yrRhode Island (RI) — Income Tax 4.7%, Property Tax 1.43%, Avg Insurance $2,410/yrVermont (VT) — Income Tax 5.4%, Property Tax 1.83%, Avg Insurance $1,640/yrOklahoma (OK) — Income Tax 4.25%, Property Tax 0.89%, Avg Insurance $4,480/yrSouth Carolina (SC) — Income Tax 5.2%, Property Tax 0.56%, Avg Insurance $2,890/yrNew Hampshire (NH) — Income Tax 0%, Property Tax 1.93%, Avg Insurance $1,690/yrMaryland (MD) — Income Tax 4.75%, Property Tax 1.06%, Avg Insurance $2,140/yrNorth Carolina (NC) — Income Tax 4.25%, Property Tax 0.8%, Avg Insurance $2,580/yrUtah (UT) — Income Tax 4.55%, Property Tax 0.58%, Avg Insurance $1,760/yrMaine (ME) — Income Tax 5.8%, Property Tax 1.24%, Avg Insurance $1,680/yrIdaho (ID) — Income Tax 5.69%, Property Tax 0.63%, Avg Insurance $1,790/yrTennessee (TN) — Income Tax 0%, Property Tax 0.64%, Avg Insurance $2,640/yrMississippi (MS) — Income Tax 4.4%, Property Tax 0.78%, Avg Insurance $3,380/yrMontana (MT) — Income Tax 5.1%, Property Tax 0.79%, Avg Insurance $2,360/yrVirginia (VA) — Income Tax 5%, Property Tax 0.82%, Avg Insurance $2,080/yrPennsylvania (PA) — Income Tax 3.07%, Property Tax 1.49%, Avg Insurance $1,940/yrNew Mexico (NM) — Income Tax 4.3%, Property Tax 0.76%, Avg Insurance $2,320/yrMichigan (MI) — Income Tax 4.25%, Property Tax 1.38%, Avg Insurance $2,340/yrAlabama (AL) — Income Tax 4.2%, Property Tax 0.41%, Avg Insurance $2,780/yrNebraska (NE) — Income Tax 5%, Property Tax 1.63%, Avg Insurance $3,890/yrDelaware (DE) — Income Tax 4.8%, Property Tax 0.58%, Avg Insurance $1,620/yrOhio (OH) — Income Tax 3.2%, Property Tax 1.52%, Avg Insurance $1,960/yrMinnesota (MN) — Income Tax 5.8%, Property Tax 1.11%, Avg Insurance $2,790/yrArkansas (AR) — Income Tax 3.9%, Property Tax 0.61%, Avg Insurance $2,990/yrMissouri (MO) — Income Tax 4.5%, Property Tax 0.96%, Avg Insurance $2,820/yrIndiana (IN) — Income Tax 3%, Property Tax 0.83%, Avg Insurance $2,120/yrKentucky (KY) — Income Tax 4%, Property Tax 0.83%, Avg Insurance $2,560/yrKansas (KS) — Income Tax 4.6%, Property Tax 1.37%, Avg Insurance $3,420/yrWisconsin (WI) — Income Tax 4.8%, Property Tax 1.61%, Avg Insurance $1,950/yrAlaska (AK) — Income Tax 0%, Property Tax 1.16%, Avg Insurance $1,750/yrWest Virginia (WV) — Income Tax 4.3%, Property Tax 0.57%, Avg Insurance $1,980/yrIowa (IA) — Income Tax 3.8%, Property Tax 1.49%, Avg Insurance $2,380/yrWyoming (WY) — Income Tax 0%, Property Tax 0.58%, Avg Insurance $2,180/yrSouth Dakota (SD) — Income Tax 0%, Property Tax 1.18%, Avg Insurance $2,740/yrNorth Dakota (ND) — Income Tax 1.95%, Property Tax 0.98%, Avg Insurance $2,620/yr
DEFAULT PREVIEW: TX (PICK YOUR STATE)

Texas (TX)

Census ACS property tax, NAIC HO-3 homeowners insurance & 2026 top marginal state income tax rate.

State Income Tax
0.00%
2026 Top Marginal
Property Tax Rate
1.68%
Census ACS Effective
Avg Home Insurance
$3,980/yr
HO-3 Benchmark
Regional CPI YoY
3.9%
BLS Regional CPI
Open TX Mortgage & Escrow Calculator →
◆ INTERACTIVE U.S. PERSONAL FINANCE CALCULATORS • AGES 16 TO 65+

What Do You Want to Calculate Today?

Choose a life-stage tool below. Includes exact number inputs, 50-state tax rates, shareable scenario links, 1-page PDF summaries, and plain-English glossary definitions.

A–Z Finance Glossary → All 12 Calculators →
PAYCHECK & EARLY INVESTING

Starting a Job or Checking Net Pay?

See exact bi-weekly take-home pay after 2026 Federal brackets, 7.65% FICA, and state tax—plus IRS-eligible Roth IRA compounding.

SAMPLE SCENARIO: $18.50/hr · 32 hrs/wk in CA (Age 18) $948 Bi-Weekly Net · $100/mo -> $896k at 65
Open Paycheck & Roth IRA Calculator ->
S&P 500 DRIP Simulator →
HOMEBUYERS & HOMEOWNERS

Buying or Refinancing a Home?

Calculate your full monthly housing bill—principal, interest, county property tax, homeowners insurance escrow, PMI, and refinance break-even.

SAMPLE SCENARIO: $425,000 Home · 20% Down · 7.11% TX $3,214/mo All-In ($2,287 P&I + $927 Escrow)
Open Mortgage & Escrow Calculator ->
50-State Insurance Stress Map →
DEBT PAYOFF & BORROWING

Paying Off Cards or Comparing a Loan?

Compare constant-budget Avalanche vs. Snowball credit card payoff plans, or separate auto cash down, trade-in equity, and personal loan costs.

SAMPLE SCENARIO: $11,500 Across 3 Cards + $250/mo Extra Debt-Free in 25 Mos (Avalanche Rollover)
Open Credit Card Payoff Simulator ->
Auto & Personal Loan Calculator →
PARENTS, 529 & OPEN ENROLLMENT

Planning 529 College Funds or Health Plans?

Project tax-free IRC § 529 savings against tuition inflation, and compare HDHP + HSA vs. PPO coverage under 2026 IRS HSA caps.

SAMPLE SCENARIO: HDHP ($165/mo) + HSA vs. PPO ($435/mo) HDHP + HSA Saves $1,949/yr at $2,800 Claims
Compare HDHP + HSA vs. PPO ->
Kids 529 College Calculator →
RETIREMENT & INFLATION PLANNING

Testing Retirement & Cost-of-Living Longevity?

Model your 401(k)/IRA nest egg and Social Security check through age 95, and measure your personal monthly spending basket against CPI.

SAMPLE SCENARIO: $340k Saved at 52 · Retire 65 · $5,400/mo $1.13M at 65 · Sustains Budget Past Age 95
Open 401(k) Longevity Planner ->
Household Real Inflation Check →
TREASURIES, INDEX ETFS & RISK

Comparing T-Bills, S&P 500, or DCA Risk?

Calculate state-tax-exempt Treasury yields by holding tenor, S&P 500 DRIP vs. cash dividends, and portfolio crash recovery math.

SAMPLE SCENARIO: $50,000 1Y T-Bill (4.98%) vs. Bank CD (4.35%) 3.78% After-Tax Net ($1,892/yr · +$443 Edge)
Open Treasury Yield Calculator ->
S&P 500 DRIP →Crypto DCA Risk →
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