Free Financial Resources & Data
Charts, data visualizations, and reference tables you can use and share. Perfect for bloggers, educators, and financial professionals. Attribution appreciated but not required.
30-Year vs 15-Year Mortgage Comparison
Monthly payments and total interest at 6.5% APR. See how much you can save with a shorter term.
| Loan Amount | 30-Year Payment | 15-Year Payment | 30-Year Interest | 15-Year Interest | You Save |
|---|---|---|---|---|---|
| $100,000 | $632/mo | $871/mo | $127,536 | $56,784 | $70,752 |
| $200,000 | $1,264/mo | $1,742/mo | $255,072 | $113,568 | $141,504 |
| $300,000 | $1,896/mo | $2,613/mo | $382,608 | $170,352 | $212,256 |
| $400,000 | $2,528/mo | $3,484/mo | $510,144 | $227,136 | $283,008 |
| $500,000 | $3,160/mo | $4,355/mo | $637,680 | $283,920 | $353,760 |
Source: CalcMoney.co calculations at 6.5% APR. Try our mortgage calculator for custom scenarios.
Retirement Savings Benchmarks by Age
How much should you have saved? Fidelity's recommended multiples of your annual salary.
Age 30
1x
$60,000 saved on $60K salary
Age 35
2x
$120,000 saved on $60K salary
Age 40
3x
$180,000 saved on $60K salary
Age 45
4x
$240,000 saved on $60K salary
Age 50
6x
$360,000 saved on $60K salary
Age 55
7x
$420,000 saved on $60K salary
Age 60
8x
$480,000 saved on $60K salary
Age 67
10x
$600,000 saved on $60K salary
The 4% Rule
Multiply your desired annual retirement income by 25 to find your target savings. Want $50,000/year? Aim for $1,250,000. This assumes a 4% safe withdrawal rate over 30 years.
Use our retirement calculator to see if you're on track.
401(k) Contribution Limits (2024-2026)
Maximum employee contributions and catch-up contributions for those 50+.
| Year | Employee Limit | Catch-Up (50+) | Total if 50+ |
|---|---|---|---|
| 2024 | $23,000 | $7,500 | $30,500 |
| 2025 | $23,500 | $7,500 | $31,000 |
| 2026 | $23,500 | $7,500 | $31,000 |
IRA Limits (2026)
$7,000
$8,000 if age 50+
HSA Limits (2026)
$4,300 / $8,550
Individual / Family
2026 Federal Tax Brackets (Single Filer)
Marginal tax rates - you only pay each rate on income within that bracket.
| Tax Rate | Taxable Income | Tax Calculation |
|---|---|---|
| 10% | $0 - $11,925 | Up to $1,193 |
| 12% | $11,926 - $48,475 | $1,193 + 12% over $11,925 |
| 22% | $48,476 - $103,350 | $5,579 + 22% over $48,475 |
| 24% | $103,351 - $197,300 | $17,651 + 24% over $103,350 |
| 32% | $197,301 - $250,525 | $40,199 + 32% over $197,300 |
| 35% | $250,526 - $626,350 | $57,231 + 35% over $250,525 |
| 37% | Over $626,350 | $188,770 + 37% over $626,350 |
Example: $75,000 Taxable Income
10% on $11,925 = $1,193
12% on $36,550 = $4,386
22% on $26,525 = $5,836
Total Tax: $11,415 (15.2% effective rate)
Calculate your exact tax with our income tax calculator.
The Power of Compound Interest
Investing $500/month at different return rates. Time is your greatest asset.
| Years | Total Invested | At 6% Return | At 7% Return | At 8% Return |
|---|---|---|---|---|
| 10 years | $60,000 | $81,670 | $86,738 | $92,088 |
| 20 years | $120,000 | $232,760 | $262,481 | $296,474 |
| 30 years | $180,000 | $502,257 | $606,438 | $734,075 |
| 40 years | $240,000 | $992,266 | $1,278,346 | $1,654,621 |
Rule of 72
72 ÷ Return % = Years to Double
At 8%, money doubles in ~9 years
Start at 25 vs 35
$471,000+ More
10 extra years = huge difference
40-Year Growth at 7%
5.3x Your Contributions
$240K invested → $1.28M
Try our compound interest calculator with your own numbers.
For Bloggers & Content Creators
You're welcome to use these charts and data in your content. We also offer free embeddable calculators that work on any website - WordPress, Wix, Squarespace, or custom sites.
Quick Reference Cards
The 28/36 Rule
28% - Max housing costs (PITI) as % of gross income
36% - Max total debt payments as % of gross income
The 50/30/20 Budget
50% - Needs (housing, food, utilities)
30% - Wants (entertainment, dining)
20% - Savings & debt payoff
Emergency Fund Target
3-6 months of expenses (stable job)
6-12 months of expenses (variable income)
Debt Payoff Methods
Avalanche - Highest interest first (saves most $)
Snowball - Smallest balance first (quick wins)
Social Security Claiming
Age 62 - 30% permanent reduction
Age 67 - Full retirement age (FRA)
Age 70 - 24% bonus vs FRA
Down Payment Options
3-3.5% - FHA/Conventional minimum
20% - Avoids PMI
0% - VA loans (veterans)