Data & reference

Personal-finance data & reference tables

Federal-data trackers and original data studies — every figure is either straight from a cited primary source or computed by the same math our calculators use, so you can check it.

Federal data trackers

2026 Federal Income Tax Brackets and Standard Deduction

The complete 2026 federal income tax brackets and standard deduction for single, married-filing-jointly, and head-of-household filers, straight from the IRS.

2026 401(k), IRA, and HSA Contribution Limits

Official 2026 contribution limits for 401(k), IRA, and HSA accounts, including 50+ catch-up amounts and the Social Security wage base — from the IRS and SSA.

Current Average Interest Rates (Mortgage, Credit Card, Auto, Savings)

A single reference for current average US interest rates: 30-year mortgage, credit card APR, auto and personal loans, federal student loans, HELOC, CDs, and savings — each with its source.

Data studies

The Cost of Waiting to Invest

Investing $500/month and waiting just a few years can cost six figures by retirement. This study computes the exact difference at a 10% long-run return.