Sources & checks
Where every number comes from, and how the math is checked.
Live numbers
Every rate comes from FRED, the free database of the Federal Reserve Bank of St. Louis. Each number shows its own date, because the series update on different schedules.
SourceFREDFederal Reserve Bank of St. Louis, 16 series
Moneywise WorkerCloudflareholds the FRED key on the server and keeps a copy for 24 hours
This pageYour browsershows each number with its as-of date
If the feed is downSnapshota saved copy of the same data, made Oct 11, 2026
FallbackPrinted numberspages read correctly before any script runs
This pageYour browserevery number keeps its own date
Now showing: Snapshot
| Series | What it measures | Latest | As of | Updated | Published by |
|---|---|---|---|---|---|
MORTGAGE30US | 30-year fixed mortgage rate, U.S. average | 7.40% | Oct 8, 2026 | weekly | Freddie Mac Primary Mortgage Market Survey |
MORTGAGE15US | 15-year fixed mortgage rate, U.S. average | 6.73% | Oct 8, 2026 | weekly | Freddie Mac Primary Mortgage Market Survey |
DFEDTARU | Federal funds target range, upper limit | 4.00% | Oct 11, 2026 | daily | Board of Governors of the Federal Reserve System |
DFEDTARL | Federal funds target range, lower limit | 3.75% | Oct 11, 2026 | daily | Board of Governors of the Federal Reserve System |
FEDFUNDS | Effective federal funds rate, monthly average | 3.75% | Sep 2026 | monthly | Board of Governors of the Federal Reserve System |
DGS10 | 10-year Treasury constant maturity yield | 5.22% | Oct 8, 2026 | daily | Board of Governors of the Federal Reserve System (H.15) |
CPIAUCSL | Inflation: the change in the Consumer Price Index over the last 12 months | 3.35% | Aug 2026 | monthly | U.S. Bureau of Labor Statistics |
UNRATE | Unemployment rate | 4.20% | Sep 2026 | monthly | U.S. Bureau of Labor Statistics |
DPRIME | Bank prime loan rate | 7.00% | Oct 2, 2026 | daily | Board of Governors of the Federal Reserve System (H.15) |
TERMCBCCALLNS | Credit card interest rate, all accounts, commercial banks | 21.19% | Aug 2026 | quarterly | Board of Governors of the Federal Reserve System (G.19) |
TERMCBCCINTNS | Credit card interest rate, accounts assessed interest, commercial banks | 22.36% | Aug 2026 | quarterly | Board of Governors of the Federal Reserve System (G.19) |
TERMCBAUTO48NS | 48-month new car loan rate, commercial banks | 7.47% | Aug 2026 | quarterly | Board of Governors of the Federal Reserve System (G.19) |
TERMCBPER24NS | 24-month personal loan rate, commercial banks | 11.90% | Aug 2026 | quarterly | Board of Governors of the Federal Reserve System (G.19) |
SNDR | National average rate on savings accounts | 0.37% | Sep 2026 | monthly | Federal Deposit Insurance Corporation |
DTB3 | 3-month Treasury bill, secondary market rate | 4.05% | Oct 8, 2026 | daily | Board of Governors of the Federal Reserve System (H.15) |
MSPUS | Median sales price of houses sold in the United States | $410,700 | Q2 2026 | quarterly | U.S. Census Bureau and U.S. Department of Housing and Urban Development |
Averages, not offers. Freddie Mac's mortgage rate assumes strong credit and 20% down; the Fed's card and loan rates average across banks. Your own quote depends on you and the lender.
Tax and limit tables
Tax brackets, deductions and contribution limits change every year, so they live in two small data files instead of inside the code. Each file names the tax year it applies to, the date it was checked, the official documents it was copied from, and when the next update is due. The calculators read these files directly.
- Next tax update
- The IRS normally publishes the 2027 inflation adjustments in late October or November 2026. Social Security announces the 2027 wage base on October 14, 2026.
- Next limits update
- The IRS normally announces 2027 401(k) and IRA limits in late October or November 2026.
The checks
The formulas behind every calculator are tested against worked examples published by the agencies that write the rules. The site is rebuilt only when every check passes; the last run was Oct 13, 2026, and all 51 passed.
| Checked against | What has to match | Document |
|---|---|---|
| Amortization | CFPB sample Loan Estimate and Closing Disclosure: $162,000 at 3.875% for 30 years. Payment $761.78, $15,773 of principal in five years, Total Interest Percentage 69.46%. | Sample Loan Estimate, form H-24(B) Sample Closing Disclosure, form H-25(B) |
| APY | Regulation DD, Appendix A: the worked yields of 6.17%, 6.18% and the stepped-rate certificate at 5.39%. | Regulation DD (Truth in Savings), Appendix A: Annual Percentage Yield Calculation |
| Tax brackets | Revenue Procedure 2025-32: every published base amount for all four filing statuses. | Revenue Procedure 2025-32: 2026 tax brackets, standard deduction and other inflation adjustments |
| IRS Tax Table | The 2025 Tax Table in the Form 1040 instructions: seven rows per filing status, to the dollar. | 2025 Form 1040 instructions, including the 2025 Tax Table and Tax Computation
Worksheet Revenue Procedure 2024-40: 2025 tax brackets (used to check the 2025 Tax Table) |
| Schedule 1-A | The new deductions for tips, overtime, car loan interest and seniors, with each phase-out rule. | Schedule 1-A (Form 1040), Additional Deductions: tips, overtime, car loan interest, seniors |
| Payroll tax | The 2026 Social Security wage base of $184,500 and the Additional Medicare Tax threshold. | Contribution and benefit base: $184,500 for 2026 |
| Fees | The SEC's investor bulletin example: $100,000 at 4% for 20 years with 0.25%, 0.50% and 1% fees. | Investor Bulletin: How fees and expenses affect your investment portfolio |
All 51 checks
Mortgage 12
- amortization CFPB sample loan, monthly principal & interest is $761.78
- amortization CFPB sample loan, principal paid off in 5 years is $15,773
- amortization CFPB sample loan, 360 payments retire the balance exactly
- amortization CFPB sample loan, Total Interest Percentage is 69.46% with $279.04 prepaid interest
- amortization closed-form balance agrees with the posted schedule to the dollar
- amortization extra principal shortens the loan and cuts interest
- amortization zero-rate loan divides evenly
- APR from payments a loan with no fees has an APR equal to its note rate
- APR from payments fees taken from the amount financed raise the APR
- PMI scheduled 78% date comes after the 80% date and before the midpoint for a 10%-down loan
- points simple break-even is cost divided by the monthly savings
- refinance a lower rate on a fresh 30 years can still raise lifetime cost
Interest and savings 7
- APY $61.68 interest on $1,000 for a 365-day year is 6.17%
- APY $30.37 interest on a $1,000 six-month (182-day) certificate is 6.18%
- APY stepped certificate, 5% daily for 91 days then 5.5% for 92 days, earns $26.68 for an APY of 5.39%
- APR to APY daily compounding matches compounding day by day over 365 days
- APR to APY and back is lossless for every compounding frequency
- APR to APY more frequent compounding never lowers the yield
- growth monthly deposits with no interest add up exactly
Credit 4
- debt payoff avalanche never pays more interest than snowball
- debt payoff snowball clears its first debt no later than avalanche
- debt payoff a budget below the minimums is rejected
- minimum payments paying only the minimum takes far longer than the 36-month payoff
Car loans 2
- cars negative equity is rolled into the amount financed
- cars 0% financing beats a rebate only when the rebate is small
Health insurance 1
- insurance out-of-pocket stops at the maximum and premiums sit on top
Taxes 22
- brackets (single) tax at each bracket ceiling equals the next row's published base amount
- brackets (single) every income equals base + rate x excess, as the table is written
- brackets (mfj) tax at each bracket ceiling equals the next row's published base amount
- brackets (mfj) every income equals base + rate x excess, as the table is written
- brackets (hoh) tax at each bracket ceiling equals the next row's published base amount
- brackets (hoh) every income equals base + rate x excess, as the table is written
- brackets (mfs) tax at each bracket ceiling equals the next row's published base amount
- brackets (mfs) every income equals base + rate x excess, as the table is written
- brackets single filer with $54,400 taxable owes $6,680 at a 22% marginal rate
- brackets a raise never lowers after-tax income (marginal rates apply only above each line)
- income tax $75,000 salary, 6% to a traditional 401(k), single, standard deduction
- IRS Tax Table 2025 (single) seven published rows reproduced to the dollar
- IRS Tax Table 2025 (mfj) seven published rows reproduced to the dollar
- IRS Tax Table 2025 (mfs) seven published rows reproduced to the dollar
- IRS Tax Table 2025 (hoh) seven published rows reproduced to the dollar
- IRS Tax Table 2025 the 2025 bracket bases match Rev. Proc. 2024-40
- Schedule 1-A tips are capped at $25,000 and reduced $100 per full $1,000 of MAGI over $150,000
- Schedule 1-A car loan interest is reduced $200 per $1,000 over $100,000, rounding the thousands up
- Schedule 1-A overtime cap doubles for joint filers
- Schedule 1-A senior deduction falls 6% of MAGI over $75,000
- payroll Social Security stops at the $184,500 wage base; Additional Medicare starts at $200,000 (single)
- paycheck traditional 401(k) lowers income tax but not Social Security or Medicare
Savings and retirement 3
- fees SEC bulletin example lands on $208k, $198k and $179k
- retirement employer match follows its tiers and reports what is left on the table
- retirement projection never lets the deferral exceed the IRS limit
Run them yourself from a copy of the site:
node --test moneywise/tests/calc.test.mjs
Every source (42)
Method and assumptions
Rounding
- Loan payments are rounded to the cent each month, the way servicers post them; the last payment absorbs the leftover cents. Big figures on screen are rounded to the dollar, and the tape shows cents.
- Tax under $100,000 of taxable income can differ by a few dollars from your return, because the IRS Tax Table taxes the middle of each $50 band. The tax calculator says when that applies.
Assumptions, form by form
- Mortgage. PMI is charged on the original loan amount and ends when the scheduled balance reaches 78% of the original value (automatic under the Homeowners Protection Act), at 80% if you ask, and never later than the midpoint of the term. APR uses the actuarial method of Regulation Z, Appendix J.
- Car loans. A new car is assumed to lose about 20% of its value in the first year and about 16% a year after that (roughly 40% left at five years). Sales tax is figured after the trade-in, as most states do.
- Interest rates. APY = (1 + APR / n)n − 1 for n compounding periods a year. The rate-shock tool moves card, home-equity and savings rates one for one with the Fed; for savings that is the most you could expect, since banks usually pass on less, and later.
- Credit. Interest accrues monthly at APR ÷ 12. Every debt gets its minimum first; the rest of the budget goes to the target debt, and a paid-off debt's payment rolls to the next. The minimum-payment example uses a common issuer formula: 1% of the balance plus that month's interest, at least $35.
- Health insurance. You pay the deductible, then your coinsurance share, until the out-of-pocket maximum; premiums are paid on top and never count toward it. In-network care only.
- Taxes. 2026 federal brackets and deductions; the child tax credit phases out by $50 per $1,000 of income over $200,000 ($400,000 joint). Paycheck withholding is approximated as the year's tax spread evenly; your employer's IRS Publication 15-T tables land close to this when your W-4 is current. State tax is a flat estimate you enter.
- Savings and retirement. Returns are assumptions, not forecasts. Fees come out of each year's return: (1 + return) × (1 − fee) − 1, the SEC's method. Contributions arrive through the year, are capped at the IRS limit for your age, and the limits rise with inflation after 2026. "Today's dollars" divides by (1 + inflation)years.
What Moneywise is not
- It is education, not financial, tax or legal advice, and it is not a lender, broker or insurer. Nothing here is an offer, and nothing is sold.
- It covers the United States. The calculators run in your browser; nothing you type is sent anywhere or saved.