Run the numbers on the years ahead

United States

A simulator is only useful if the rule inside it is right. We checked the popular "retirement tax by state" calculators against the actual state rules and found every one of them wrong. This site exists to do the arithmetic properly: rules taken from the IRS and each state's own department of revenue, test cases you can read, and a date on every figure.

What every tool here promises

Primary sources only. Federal tax figures come from the IRS revenue procedure for the year, federal student loan rules from the Department of Education, and state figures from the state's own guide or statute. We do not copy other calculators.
Published test cases. Each tool has a set of worked examples with the expected answer, so you can check us - and so we cannot quietly drift.
Laws that actually passed. Before a rule goes in, we confirm the bill was enacted. A calculator we tested was applying a Colorado bill that died in committee.
A date on every figure. Tax rules change every year; the page tells you when it was last checked.
No advice. We show what the rules do to your numbers. What you do with that is yours to decide.

How the tools are built

Each simulator starts as a written specification of the rule, a table of the year's parameters with its source, and a reference calculation that produces the expected answers. The page you use is checked against that reference before it goes live and again whenever a parameter changes. Everything runs in your browser; nothing you type is sent to us.

Tools

Retirement · Taxes · Student loans · Cash

The CAT fee in 2026: $0.000001 plus $0.000002 historical, and what 15 brokers pass on

Robinhood, Webull, moomoo and Interactive Brokers list $0.000003 a share; Public lists $0.000009

Ten brokers, including Schwab, Fidelity and Vanguard, name no CAT fee. What a buy and a sale cost, and when the rate changes in 2027. Checked October 17, 2026.

Moving out of Webull: the $75 transfer fee and Public's 3% offer (Robinhood's ended Oct. 16)

Robinhood, Public, SoFi and Webull

Public pays 3% over 72 months on transfers from Webull started by Oct. 26, IRAs included. Robinhood's flat 3% ended Oct. 16. Rechecked October 17, 2026.

How to buy SGOV at 15 brokerages: commission, buying by the dollar, automatic purchases

Fidelity, Schwab, Vanguard, E*TRADE, Robinhood, Interactive Brokers and 9 more

Which firms sell SGOV only in whole shares, which describe recurring ETF purchases, and how dividends are reinvested. Checked October 10, 2026.

Robinhood Gold, Webull Premium, Public Reserve and Acorns: where each fee pays for itself

The IRA contribution or cash balance at which each membership repays its fee

Robinhood Gold, Webull Premium, Public Reserve and Acorns' paid plans, with the conditions that can take a match back. Checked October 4, 2026.

State tax exempt money market funds: Fidelity, Vanguard, Schwab and four Treasury ETFs, from 100% to 0% for 2025

Fidelity, Vanguard, Schwab, iShares and State Street, and which met California's 50% test

Each fund's 2025 share from its sponsor's own document, and what all twelve keep after tax in California, New York, Illinois and Texas. Checked October 4, 2026.

Is SPAXX state tax exempt? 50.90% of its 2025 dividends, but not in California, Connecticut or New York

Fidelity says SPAXX missed the 50% asset test for 2025; it passed for 2024

Every state's treatment of SPAXX, and what Fidelity's Treasury Only fund (FDLXX) would keep after tax in each. Checked October 4, 2026.

Claiming your child's Trump account: no deadline, but family money and the $1,000 need a claim

The $1,000, the Dell $250, family and employer money, and who gets control

What an unclaimed account can receive, how to finish the claim, and what a claim cannot undo, from Treasury's rules and the official help center. Checked October 4, 2026.

Does your state tax Social Security? One page for each of the eight states that do

Colorado, Connecticut, Minnesota, Montana, New Mexico, Rhode Island, Utah, Vermont

Each state's rule in its own words, what your benefits add to its 2026 tax, disability benefits, and a calculator. Checked September 30, 2026.

Trump accounts and the FAFSA: the 2027–28 form never mentions them

Excluded as a retirement IRA, or counted at 20% as the student's own asset

The two rules that point in opposite directions, what each adds to the Student Aid Index, and why the amounts are small for 2027–28. Checked September 30, 2026.

IRMAA 2027 brackets estimate: $112,000 single, $224,000 joint

The formula in the law reproduces CMS's 2026 brackets exactly

All five 2027 brackets from the CPI through August 2026, and why the middle three move by $1,000 depending on how CMS fills October 2025, the month BLS never published. Checked September 30, 2026.

Margin rates by broker: 5.15% to 12.45% on a $20,000 loan

Schwab, Fidelity, E*TRADE, Vanguard, Robinhood, Interactive Brokers, Public and 10 more

Every tier from each broker's own page after the Fed's Sept. 16 hike, how each sets its rate, and a calculator for your balance. Read October 17, 2026.

Vanguard Cash Plus FDIC limit: $1.25 million across 17 program banks

Apple Bank may join on or after Oct. 18, 2026; Sunflower Bank leaves Dec. 15

The banks, the $247,500 per-bank limit, the “Excess Bank” above it, and why your own deposits at Citibank, Wells Fargo or PNC count against the limit. Checked September 30, 2026.

Is SGOV state tax exempt? 95.14% of its 2025 dividends are, in 39 states

California, Connecticut and New York need the 50% test, which SGOV met

Each state's rule, form line and source, and the 2025 figures for TFLO, SHV, VUSXX, VMFXX, FDLXX, FZFXX and SPAXX. Checked September 30, 2026.

I bond rate November 2026: the inflation part is 2.04%, and I bond vs T-bill after tax

Bonds bought through Oct. 31 earn 4.26% for six months, then 5.00%; Treasury sets the new fixed rate Nov. 2

The next rate for your bond by purchase date, and a 12-month October or November bond next to a 52-week bill and a savings account, after federal and state tax. Values match all 57,609 in Treasury's value files. Updated with September's CPI on October 17, 2026.

Social Security COLA 2027 is 3.6%: what you keep after Medicare Part B and income tax

Announced by Social Security on Oct. 14, 2026

The Part B premium ($202.90 in 2026, $209.50 estimated for 2027), the hold-harmless rule, Social Security's rounding and your federal and state income tax. COLA updated October 17, 2026.

SAVE plan deadline: when MOHELA, Nelnet, Aidvantage, Edfinancial and CRI send the 90-day notice

Your 90 days start with your servicer's notice, and the servicers' schedules differ

Edfinancial sent notices July 1 to Aug. 15, MOHELA July to October, Nelnet by the end of 2026. Each servicer's own words, with the date. Checked September 23, 2026.

FINRA's trading activity fee is $0 from Oct. 1 to Dec. 31, 2026: how 15 brokers charge it

Four brokers' fee pages now show the TAF at $0, E*TRADE dropped its TAF line, and Robinhood still lists it

Ally, Interactive Brokers, moomoo and Webull show $0; Schwab, Fidelity, Merrill, Vanguard and J.P. Morgan fold it into a wider fee. Each broker's own words, with the date. Checked October 1, 2026.

Can you move a Trump account to Fidelity, Vanguard or Schwab? Where 20 firms stand

Claimed accounts sit at Robinhood, and no other firm takes transfers yet

Fidelity (later this year), Vanguard, J.P. Morgan and Empower say they will; Acorns and Wealthfront say they do not offer Trump accounts. Each firm's own words, with the date. Checked October 10, 2026.

SGOV vs high-yield savings after state tax: calculator for all 50 states

Treasury bills, Treasury money funds and T-bill ETFs next to bank and brokerage cash

Each state's rule for fund dividends (California, Connecticut and New York require 50%), federal AGI effects and New York City tax. 220 test cases. Checked September 22, 2026.

Brokerage cash sweep rates after the Sept. 16, 2026 Fed hike: who raised and who did not

Robinhood, Wealthfront, Schwab, Fidelity, Vanguard and 8 more, next to the rate before the hike

Six firms now post a rate a quarter point higher, Public has not changed, and Schwab, Merrill and E*TRADE pay 0.01%. Every rate from the firm's own page. Checked September 22, 2026.

Student loan autopay discount is now 1%: deadline extended to Dec. 31, 2026 (savings calculator)

What the 1-point reduction saves on a federal Direct Loan through June 30, 2028

Compared with no auto pay and with the old 0.25 point, using Federal Student Aid's daily-interest method. 18 test cases. Checked October 1, 2026.

Trump Account vs 529 vs Roth IRA vs UTMA calculator, with your state's taxes (2026)

Which account leaves your child more to spend, for college, at 18 or in retirement

Federal kiddie tax plus each state's 529 deduction, recapture and capital gains rules, all 50 states and DC, with sources. 141 test cases.

Are Trump Accounts taxable in your state? All 50 states and DC (2026)

Which states follow the federal tax treatment, which do not, and the law behind each answer

34 follow federal law, Alabama partly, 4 do not, 3 have not said, and 9 have no income tax. Every row links the statute or state guidance. Checked September 13, 2026.

Retirement tax by state: all 50 states and DC, ranked (2025-2026)

Which states tax a pension, an IRA withdrawal and Social Security - and what each one would charge you

Enter your retirement income once and see all fifty-one side by side, with every line of each state's arithmetic and the instruction page it came from. Test cases included. Checked September 3, 2026.

Retirement Tax by State: the 8 states that tax Social Security

Colorado, Connecticut, Minnesota, Montana, New Mexico, Rhode Island, Utah, Vermont

Enter Social Security, pension and IRA income once and see federal tax and every state's tax side by side, from each state's own instructions. Test cases included. Checked September 2, 2026.

How much of your Social Security is taxable? (2025-2026)

Federal: combined income, taxable share, tax, and the marginal rate on extra IRA withdrawals

The IRS worksheet line by line, the $6,000 senior deduction, and a table showing what each extra $2,000 of IRA withdrawals does to your marginal rate. Test cases included. Checked September 2, 2026.