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Explanations, guides and things worth knowing — some next to a calculator, some standing entirely on their own.
Capital gains tax brackets for 2025 and 2026, and how the 3.8% NIIT stacks on top
Long-term capital gains are taxed on a completely different scale from your paycheck, and where you land on it depends on your ordinary income as much as the size of the gain itself. Here is exactly where the 2025 and 20...
14 September 2026 · David Williams
The SAVE plan is winding down — what that means for the borrowers still on it
The SAVE plan spent nearly two years blocked in court, with millions of borrowers parked in an interest-free forbearance...
14 September 2026 · Michael Johnson
HSA contribution limits for 2025 and 2026, and the eligibility rules that just changed too
The IRS raises the HSA contribution limit almost every year, and 2026 is no exception. What makes this year different is...
14 September 2026 · David WilliamsBrowse by category
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Some explain a question behind a calculator: which number belongs where, which rule applies to you, what the answer means. Others stand on their own and have nothing to do with a calculator. Either way, the arithmetic itself stays on the calculator pages — an article only ever explains, it never computes.
How much can I borrow, and what does a lender actually count?
The number a lender will give you is not your salary times four. It is a payment they think you can still affo...
The 2026 adoption tax credit: the new maximum, and who the phase-out reaches
A 2025 law made part of the adoption tax credit refundable for the first time ever, worth up to $5,120 in 2026...
FSA contribution limits for 2026, and what actually carries over
The IRS raised the 2026 health FSA contribution limit by $100 and the maximum carryover by $20 — routine, incr...
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