About Macro Circuit & Official Data Methodology
Macro Circuit (themacrocircuit.com) is an independent American personal finance research publisher, interactive calculator workstation, public-domain federal wire, and 2K macroeconomic documentary studio built for households, students, homebuyers, and self-directed investors across all 50 U.S. states and the District of Columbia.
Our engineering and editorial standards are straightforward: zero fabricated timestamps, zero paywalls, browser-local financial privacy during calculation, and transparent formulas anchored to official United States federal statistical releases and statutory tax tables.
1. Official US Public-Domain Federal & Market Data Sources (17 U.S.C. § 105)
Every calculator model, official wire item, 50-state housing comparison, Treasury yield curve chart, and video briefing on themacrocircuit.com cites its underlying primary agencies and statutory references:
| Agency / Institution | Primary Series & Statutes Used | Portal Application |
|---|---|---|
| Federal Reserve (FRED / FOMC) | FEDFUNDS, DFEDTARU, DGS2, DGS10, DGS30, MORTGAGE30US | Live U.S. Official Wire, Macro Vital Signs, Yield Curve Desk, Mortgage & Loan Defaults |
| Bureau of Labor Statistics (BLS) | CPIAUCSL, CUSR0000SEHC (OER), UNRATE, Employment Situation | Paycheck vs. Inflation Quick Check, Real Inflation Calculator, Economic Release Calendar |
| U.S. Department of the Treasury | Daily Par Yield Curve, Debt to the Penny, 31 U.S.C. § 3124 | State-Tax-Exempt T-Bill vs. Bank CD Net Yield Calculator & Federal Debt Ledger |
| Bureau of Economic Analysis (BEA) & SEC | Real GDP, Personal Consumption Expenditures (PCE), SEC Press Releases | Live U.S. Official Wire (/wire/) & S&P 500 Expense Drag Comparisons |
| Internal Revenue Service (IRS) & SSA | Rev. Proc. 2025-32 (2026 Tax Year), FICA Wage Base ($184,500), IRC § 223, IRC § 529 | 2026 Statutory Tax & Cap Rules feeding First Paycheck, 401(k), 529 & HSA Calculators |
| U.S. Census Bureau & NAIC / FIO | 2024 ACS 5-Year Table B25103, State HO-3 Insurance Filings | 50-State + D.C. My State Selector, Mortgage Escrow & Home Insurance Stress Map |
2. 50-State + D.C. Housing & Tax Composite Score Methodology
Our 50-state (+ D.C.) comparison map combines three transparent public benchmarks: (1) effective owner-occupied property tax rates from the U.S. Census Bureau American Community Survey (5-Year Table B25103), (2) state-level average homeowners insurance (HO-3 $350k–$400k replacement baseline) from NAIC Homeowners Insurance Reports and state Department of Insurance filings, and (3) 2026 top marginal individual state income tax rates published by state revenue departments and the Tax Foundation.
The comparative Composite Cost Score (15–98) is a normalized descriptive index computed as round(clamp(15, 98, PropertyTax% × 18 + (AnnualHO3 / $100) × 1.15 + TopStateIncomeTax% × 1.6)). It illustrates relative recurring state tax and insurance pressure and is never a carrier underwriting quote.
3. Editorial Accountability, Verification & Correction Policy
Macro Circuit calculators, data pipelines, and research briefings are maintained and reviewed by the Macro Circuit Quantitative & Editorial Desk before publication. Broadcast videos and downloadable briefings appear in our public library only after automated and editorial verification confirms source accuracy.
Corrections: If you spot a statutory tax-cap change, state rate update, broken federal feed link, or mathematical discrepancy anywhere on themacrocircuit.com, email [email protected]. Verified formula or data corrections are deployed promptly and noted with updated revision dates.
4. Official Editorial & Briefing Contacts
- Canonical Website: https://themacrocircuit.com
- Editorial, Data Corrections & Reader Support: [email protected]
- Weekly Email Briefing Sender: [email protected]
- Official YouTube Channel: @Macro.Circuit (https://www.youtube.com/@Macro.Circuit)
- Official Instagram: @macro.circuit
- Official Facebook: @themacrocircuit