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Federal income tax brackets and standard deduction for 2026

Understand 2026 US federal ordinary-income tax brackets and standard deductions, with a worked example and explicit exclusions. US federal rules only; state and local treatment is outside scope.

Employee FICA: Social Security and Medicare for 2026

Understand employee Social Security, Medicare and Additional Medicare Tax for 2026, including the wage base and filing-status thresholds. US federal rules only; state and local treatment is outside scope.

401(k) contribution and catch-up limits for 2026

Understand 2026 federal 401(k) employee deferral limits, ordinary catch-up contributions and the higher catch-up for ages 60 through 63. US federal rules only; state and local treatment is outside scope.

IRA contribution limits and Roth IRA income ranges for 2026

Understand 2026 US federal IRA limits, age-50 catch-up contributions and the Roth IRA income phase-out ranges for single and joint filers. US federal rules only; state and local treatment is outside scope.

HSA contribution limits and HDHP deductibles for 2026

Understand 2026 US federal HSA contribution limits and the minimum deductibles and out-of-pocket ceilings for qualifying high deductible health plans. US federal rules only; state and local treatment is outside scope.

US FDIC deposit insurance: coverage limits

Understand the standard FDIC limit, ownership categories and the difference between insured deposits and investments. General US information only.

US Social Security full retirement age and claiming timing

Understand full retirement age by birth year and how early or delayed retirement claims affect benefits. No projected benefit amounts or claiming recommendation.

US federal long-term capital gains tax thresholds for 2026

Understand the 2026 federal taxable-income thresholds for long-term capital gains. Special asset rules, state taxes and individual liability are outside scope.

US fixed-rate mortgages: principal, interest and escrow

Understand the parts of a US mortgage payment and why a fixed interest rate does not fix every housing cost. Includes an illustrative calculator example.

US free credit reports and disputing errors

Understand free weekly access to nationwide credit reports and the process for disputing inaccurate information. General US information only.

US Child Tax Credit limits and phase-out for 2026

The US Child Tax Credit has a per-child maximum, a separate refundable limit and income thresholds. General federal information only.

US Earned Income Tax Credit maximums for 2026

The US Earned Income Tax Credit varies with qualifying children and income, with a separate investment-income limit. General federal information only.

US required minimum distributions and lifetime table factors

US traditional IRA required minimum distributions use an age-based starting rule and an annual table denominator. General federal information only.

US Medicare Part B premium and deductible for 2026

US Medicare Part B has a standard monthly premium and annual deductible, with higher premiums for some incomes. General information only.

US Treasury I bonds: purchase limits and redemption rules

US Treasury I bonds have an annual electronic purchase limit, an initial holding period and an early-redemption interest penalty. General information only.

United States student loan income-driven repayment

United States federal income-driven repayment plans base payments on income and family size or dependents, with eligibility varying by loan type and disbursement date.

United States 529 education savings and federal tax

United States 529 plans have federal tax rules for contributions, qualified education distributions and transfers to a beneficiary’s Roth IRA.

United States Social Security earnings test for 2026

United States Social Security retirement benefits may be withheld for earnings before full retirement age above one of two annual exempt amounts.

United States estimated tax for individuals in 2026

United States estimated tax rules address income without sufficient withholding, with annual payment thresholds and scheduled instalment dates.

United States gift tax exclusions for 2026

United States federal gift tax distinguishes an annual exclusion for qualifying gifts from the basic exclusion used for estate and gift tax credits.

United States Premium Tax Credit and Marketplace 2026

The United States Premium Tax Credit connects Marketplace coverage, household eligibility and reconciliation of advance payments for 2026.

United States Saver’s Credit income limits for 2026

The United States Retirement Savings Contributions Credit (Saver’s Credit) has income limits, contribution conditions and credit rates for 2026.

United States dependent care FSA and care credit 2026

United States dependent care assistance and the Child and Dependent Care Credit have separate federal limits and interact when benefits are excluded.

United States Social Security spouse and survivor benefits

United States Social Security Family benefits and Survivor benefits have different spouse eligibility rules and depend on the worker’s record.

United States standard mileage rates for 2026

United States IRS standard mileage rates for business and medical use change during 2026, while the charity rate remains the same.

United States SALT deduction limit for 2026

United States state and local tax deductions have a combined federal limit that can fall as modified adjusted gross income rises.

United States self-employment tax rates and deduction

United States self-employment tax covers Social Security and Medicare, with a general net earnings threshold and an income-tax deduction for half.

United States alternative minimum tax exemptions for 2026

United States alternative minimum tax exemption amounts and phaseout boundaries for individuals depend on filing status for the tax year.

United States Adoption Credit limits for 2026

United States Adoption Credit rules include an annual maximum, a potentially refundable portion and a modified-income phaseout range.

United States foreign earned income exclusion for 2026

United States foreign earned income exclusion rules combine an annual exclusion amount with foreign tax-home and residence or presence conditions.

United States Social Security COLA 2026

United States Social Security for 2026: the cost-of-living adjustment, taxable earnings maximum and the distinction from Medicare payroll tax.

United States Medicare Part D 2026

United States Medicare Part D for 2026: the covered-drug out-of-pocket cap, deductible ceiling, coverage stages and separate plan premiums.

United States kiddie tax thresholds 2026

United States kiddie tax for 2026: published unearned-income amounts, the investment-income threshold and age, student and support conditions.

United States student loan interest 2026

United States student loan interest deduction for 2026: maximum deduction, modified adjusted gross income phase-outs and qualified-loan rules.

United States Roth IRA conversions

United States Roth IRA conversions: taxable amounts, returned basis, qualified distributions and the separate five-year conversion withdrawal rules.

United States Social Security taxable maximum for 2026

United States Social Security has an annual maximum taxable earnings amount. Earnings above that ceiling are not subject to the Social Security portion of FICA.

United States federal standard deduction for 2026

United States federal tax returns allow either the standard deduction or itemized deductions. The standard deduction amounts for 2026 depend on filing status.

United States health FSA limits and carryover for 2026

United States health flexible spending arrangements have an annual salary-reduction contribution ceiling and an optional carryover of unused amounts to the following plan year.