2026 brought a wave of financial changes in the US — new tax law (OBBBA), student loan plan switch (SAVE to RAP), the ACA subsidy cliff returning, and updated 401k/SS limits.
I built 5 free calculators to help people figure out how these changes affect them personally. No signup, no ads collecting your data — everything runs in your browser.
1. New Tax Law Calculator (OBBBA)
The One Big Beautiful Bill changed a lot for 2026 taxes:
- No tax on tips — tipped workers can exclude tip income
- Overtime deduction — up to $12,500 of overtime pay exempt
- Senior deduction — extra $4,000 if you're 65+
- Child tax credit — increased to $2,200 per child
This calculator shows your 2025 vs 2026 tax comparison so you can see exactly how much you save.
Try it: 2026 New Tax Law Calculator
2. RAP Student Loan Calculator
The SAVE repayment plan ends July 1, 2026 and gets replaced by RAP (Repayment Assistance Plan). Key changes:
- No more $0 payments (minimum $10/month)
- Based on full AGI, not discretionary income
- Forgiveness at 30 years instead of 20-25
This tool compares SAVE vs RAP vs IBR vs Standard side by side so you can see how your payment changes.
Try it: RAP Student Loan Calculator
3. ACA Health Insurance Subsidy Calculator
The subsidy cliff is back. If your income goes even $1 above 400% of the Federal Poverty Level, you lose ALL premium subsidies. For a family of 4, that's $128,600.
This calculator shows your subsidy amount and includes a cliff visualizer so you can see the dramatic drop-off.
Try it: ACA Subsidy Calculator
4. Home Affordability Calculator
Uses the 28/36 rule to calculate the maximum home price you can afford based on your income, debts, and down payment. Shows monthly payment breakdowns and compares affordability at different income levels.
Try it: Home Affordability Calculator
5. Paycheck Calculator (All 50 States)
Enter your gross pay and state — see your take-home after federal tax, state tax, Social Security, and Medicare. Updated with 2026 brackets.
Try it: Paycheck Calculator
All tools are free, private (nothing leaves your browser), and work on mobile. Built them because the existing options are either paywalled, require signups, or are buried in ads.
If any of these are useful, I'd appreciate a share. And if you have ideas for other US finance calculators, let me know.
Originally published at https://tool.teamzlab.com
Top comments (0)