What just changed with your money — and what to do about it
Fed rate decisions, mortgage and savings rates, IRS limits and tax brackets — each explained in real dollar terms, with the calculator to run your own numbers.
30-year mortgage rates near 6.58%: what it means for your payment
Freddie Mac's survey puts the 30-year fixed near 6.58% and the 15-year near 5.96%. Here's how that spread reshapes your monthly payment and lifetime interest.
IRS 2026 tax brackets and the $16,100 standard deduction
The 2026 standard deduction rises to $16,100 single / $32,200 joint, with brackets indexed for inflation. Here's how much income that shields before tax hits.
2026 retirement limits: $24,500 for 401(k), $7,500 for IRA
The 2026 401(k) employee limit is $24,500 and the IRA limit $7,500, plus catch-ups. Here's what consistently maxing out does over a career.
Savings rates in 2026: 4% at top HYSAs versus 0.38% national average
Top HYSAs pay near 4% while the national average sits at 0.38% — roughly a 10x difference. Here's what that gap earns on real balances.
Rates & Mortgages
Fed decisions, mortgage and refinance rates.
Tax & IRS
Brackets, deductions and IRS annual limits.
Retirement
401(k), IRA limits and RMD rules.
Savings & Investing
HYSA, CD rates, inflation and market returns.