Sources

Every figure in the calculators traces to published guidance. This is the full list.

Overtime deduction rules, caps and phase-out

IRS — What to know about the No Tax on Overtime deduction
IRS Fact Sheet FS-2026-13

Last verified September 18, 2026.

Federal tax brackets, 2026

IRS Rev. Proc. 2025-32, section 3.01 (2026 inflation adjustments), Tables 1-3

Last verified September 18, 2026.

Standard deduction, 2026

IRS Rev. Proc. 2025-32, section 3.14 (Standard Deduction, 2026)

Last verified September 19, 2026.

Mortgage recast: fees, minimum lump sums and loan-type eligibility

Amerisave — Recasting a mortgage: what it means and how it works
We Are Calculator — Can you recast a VA, FHA or conventional loan?
JVM Lending — What is a mortgage recast?

Last verified September 19, 2026. These are published lender guides, not a legal or agency source. Recast availability, fees and minimums are set by each servicer.

How often figures are checked

Figures are re-checked against these sources at the start of each tax year, and whenever the IRS publishes a change. See themethodology page for how they are used.