All guides. Every topic, organized.
The full content directory at Wealth Informatics — 13 personal-finance pillars, ~400 articles, 125 calculators, all reviewed by CPAs and CFP®s, all updated for tax year 2026. Use the themed clusters below to browse by topic, or jump to a specific pillar in the alphabetical index.
Three good entry points depending on where you are.
Start here — intake.
A short questionnaire that routes you to the right pillar based on your situation. 5 minutes. Best if you’re not sure where to begin.
Open intake Action-orientedCalculators — 125 tools.
Paycheck, mortgage, retirement, tax brackets, debt payoff, FIRE number. If you have a specific number you need to figure out, jump straight to the calculator hub.
Browse calculators Building basicsFoundations — first.
Budgeting, Banking, Credit, Debt. The four pillars that come before everything else. If you don’t have these dialed, the rest of the site won’t help much.
See foundationsMoney foundations.
Budgeting
In the post-Mint era. 2.7% inflation in 2026, only 47% of Americans can cover a $1,000 emergency, and the budgeting-app landscape fragmented into Monarch, YNAB, Copilot, EveryDollar. Methods (50/30/20, zero-based, envelope) and the sinking-fund structure that turns surprises into planned expenses.
Banking
HYSA yields still 4-5% but declining with Fed cuts. FedNow at 1,500+ institutions and 8.4M transactions in 2025, FDIC at $250K per depositor, the Synapse/Yotta/Juno FBO account crisis. Accounts, account structure, fee avoidance, and the fintech vs traditional bank trade-offs.
Credit
The biggest mortgage credit-scoring overhaul in decades. April 22, 2026: HUD and FHFA jointly adopted FICO 10T and VantageScore 4.0 for FHA-insured and GSE mortgages — both use 24 months of trended data and include rent/utility payments Classic FICO ignored. Plus the dispute mechanics that actually work.
Debt
SAVE plan vacated, RAP launches July 1, 2026. 7.5M borrowers being moved, SAVE/PAYE/ICR closed to new enrollment July 1, 2026, IBR remains for pre-July-1-2026 loans. Plus credit card APRs at 21%+ Q1 2026, BNPL on credit reports, and the medical debt CFPB rule reversal.
Earning & tax.
Tax
In the year of OBBBA permanence. TCJA made permanent: 10/12/22/24/32/35/37 brackets, Standard deduction $16,100 single / $32,200 MFJ for 2026, $15M federal estate exemption. Plus 4 new Schedule 1-A deductions (tips $25K, overtime $12.5K/$25K, auto loan $10K, senior $6K), SALT cap $40,400.
Side Income
The 1099-K threshold reversal. OBBBA repealed the ARPA $600 threshold, restoring $20,000 + 200 transactions. Plus QBI 20% deduction made permanent, new tip deduction ($25K), 100% bonus depreciation restored, SE tax 15.3%, standard mileage 72.5¢/mile, SEP IRA cap $70K.
Wealth building.
Investing
In the year of crypto reporting. Form 1099-DA requires brokers to report gross proceeds (post-Jan 1, 2025) and cost basis for covered securities (post-Jan 1, 2026). Plus 22× P/E market context, SEC’s pro-market pivot, T+1 settlement, and direct indexing for tax efficiency.
Retirement
SECURE 2.0’s Roth catch-up mandate. Workers 50+ with FICA wages over $145K in 2025 must make ALL catch-up contributions as Roth starting Jan 1, 2026. Plus 2026 limits: 401(k) $24,500, IRA $7,500, HSA $4,400. Super catch-up $11,250 for ages 60-63. RMD age 73 (75 starting 2033).
Major decisions.
Mortgage
OBBBA’s homeowner package. $750K mortgage interest cap permanent, PMI deduction restored for 2026, SALT cap $40,400 (phases down above $505K MAGI). Plus 2026 rates: 30-yr 6.52%, 15-yr 6.0%, FHA 6.25%, VA 6.31%. Conforming loan limit $832,750 baseline, $1,249,125 high-cost. Energy credit (25C) ended Dec 31, 2025.
Insurance
Dual crisis: property and ACA. Home insurance avg $3,057 (+46% since 2021, 3× inflation); State Farm/Allstate/Farmers limiting in high-risk states. ACA enhanced subsidies expired Dec 31, 2025 — 22M enrollees affected, premiums up 75%+. Plus Medicare Part B $202.90/mo, Part D OOP cap $2,100.
Estate
In the year of permanence at $15M. OBBBA made the $15M federal estate exemption permanent ($30M MFJ via portability). Step-up in basis preserved. Plus SECURE 2.0 inherited IRA 10-year rule in full force (IRS Final Regs T.D. 10001) — annual RMDs required years 1-9 if decedent past RBD. State estate taxes at lower thresholds.
Financial independence.
Professional help.
All 13 pillars, alphabetical.
For when you know the topic and want the fastest path. Pillar numbers indicate the editorial sequence we recommend for new readers, not importance.
125 calculators, one home.
Every pillar has 8 featured calculators. The full set lives at the calculator hub — paycheck calculators by state, mortgage amortization, retirement projection, FIRE number, tax brackets, and 100+ others.
Where the math happens.
125 calculators organized by pillar and use case. State-specific paycheck calculators for all 50 states + DC. Mortgage, refi, and affordability calculators with 2026 rate inputs. Retirement projections built on current contribution limits. All free, all updated for 2026, no email required to use.
Browse all calculators →How this site works.
Every claim is sourced. Every page is reviewed. Every editorial choice is documented. Mistakes get publicly corrected. The trust foundation pages explain the process — read any of them before relying on the rest of the site.