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Run the numbers on the years ahead

United States

A simulator is only useful if the rule inside it is right. We checked the popular "retirement tax by state" calculators against the actual state rules and found every one of them wrong. This site exists to do the arithmetic properly: rules taken from the IRS and each state's own department of revenue, test cases you can read, and a date on every figure.

What every tool here promises

  • Primary sources only. Federal tax figures come from the IRS revenue procedure for the year, federal student loan rules from the Department of Education, and state figures from the state's own guide or statute. We do not copy other calculators.
  • Published test cases. Each tool has a set of worked examples with the expected answer, so you can check us - and so we cannot quietly drift.
  • Laws that actually passed. Before a rule goes in, we confirm the bill was enacted. A calculator we tested was applying a Colorado bill that died in committee.
  • A date on every figure. Tax rules change every year; the page tells you when it was last checked.
  • No advice. We show what the rules do to your numbers. What you do with that is yours to decide.

How the tools are built

Each simulator starts as a written specification of the rule, a table of the year's parameters with its source, and a reference calculation that produces the expected answers. The page you use is checked against that reference before it goes live and again whenever a parameter changes. Everything runs in your browser; nothing you type is sent to us.

Tools

Retirement · Taxes · Student loans · Cash
moomoo vs Robinhood vs Webull vs Public vs eToro USA: 10 items, dated Checked October 31, 2026.

moomoo vs Robinhood vs Webull vs Public vs eToro USA: ten things side by side, every cell from the firms' own pages with a date

IRAs, cash rates, margin, options fees, overnight hours, transfer fees and bonuses, side by side

From each firm's own pages. Checked October 31, 2026.
IRA match by broker 1% to 4%, on the $7,500 limit Checked October 31, 2026.

IRA contribution matches at 10 brokers: who pays 1% to 4%, what it comes to on the $7,500 limit after plan fees, and who pays nothing

Public, Webull, Robinhood and SoFi match (up to 4% with paid plans); Fidelity, Schwab, Vanguard and E*TRADE do not; moomoo and eToro have no IRA

From each broker's own terms. Checked October 31, 2026.
Transfer bonuses open now 3%, 1% uncapped, IRA 1%, cash tiers Checked October 31, 2026.

Brokerage and IRA transfer bonuses open now: percentage matches, cash offers and fee refunds at 14 firms, from their own terms

Caps, payout schedules, holding rules and end dates at 14 firms, plus offers that just ended

From each firm's own terms. Checked October 31, 2026.
Options fees at 13 brokers $0 to $1 a contract, index fees extra Checked October 31, 2026.

Options trading fees at 13 brokers: per-contract fees, index options, exercise and assignment, and the small regulatory fees, from their own pages

Contract fees, index options, exercise and assignment, pass-through fees and Public's rebate

From each broker's own pricing page. Checked October 31, 2026.
Saver's Credit 2026: the last year AGI up to $80,500 joint, Form 8880 Checked October 31, 2026.

Saver's Credit for 2026: the income limits, the last year it covers IRA and 401(k) contributions, and Form 8880 in tax software

The 2026 limits, who qualifies, why the Saver's Match replaces it from 2027, and free tax versions

From the IRS's own notices. Checked October 31, 2026.
FreeTaxUSA vs TaxAct vs TurboTax With dividends: $15.99, $124.98+, $79+ Checked October 31, 2026.

FreeTaxUSA vs TaxAct vs TurboTax if you have dividends or interest: what each charges and handles, from their own pages

Free versions, state price, U.S. government interest, Form 4547 and Free File, cell by cell

From each company's own pages. Checked October 31, 2026.
Free tax filing with dividends The $1,500 line, 5 programs Checked October 31, 2026.

Free tax filing if you have dividends or interest: what the free versions of TurboTax, H&R Block, TaxAct, FreeTaxUSA and Cash App Taxes take

TurboTax and H&R Block free stop at $1,500, TaxAct Free takes none, FreeTaxUSA and Cash App take any amount

From each company's own pages. Checked October 31, 2026.
Overnight trading Nasdaq from Dec. 6 Hours at 10 brokers, 9 p.m.-4 a.m. ET Checked October 31, 2026.

Nasdaq's overnight session starts December 6, 2026: what changes, and overnight trading hours at 10 brokers from their own pages

7 of 10 brokers trade overnight now; the exchange session adds a pause and next-day trade dates

From Nasdaq and each broker's own page. Checked October 31, 2026.
U.S. government interest, entered SGOV 95.14% x box 1a, not box 12 Checked October 31, 2026.

Entering the state-tax-exempt part of SGOV, SPAXX and VUSXX dividends in tax software: the percentages, the 50% rule, and what 5 programs say

2025 percentages for 11 funds, the 50% rule in CA, CT and NY, and what 5 tax programs say

From the IRS, the fund sponsors and each program's own pages. Checked October 31, 2026.
Form 4547 and tax software The $1,000 still needs the form Checked October 31, 2026.

Form 4547 and tax software: when you still need it after Treasury opened Trump accounts automatically, and what 5 tax programs say

Opening needs no form since Oct. 1; the $1,000 election still does. The IRS's routes and 5 programs

From the IRS and each program's own pages. Checked October 31, 2026.
Saver's Match Up to $1,000 (2027) Income limits, Roth catch, 15 brokerages Checked October 24, 2026.

Saver's Match 2027: who gets up to $1,000, which accounts can take it, and what 15 brokerages say so far

The 2027 income limits and match by income, why a Roth IRA cannot take it directly, and TrumpIRA.gov's rules

From the IRS's notice and each brokerage's own site. Checked October 24, 2026.
FDLXX vs SPAXX After State Tax 98.67% vs 50.90% exempt, all 50 states Tax year 2025. Checked October 24, 2026.

FDLXX vs SPAXX: 98.67% vs 50.90% state tax exempt for 2025, and SPAXX missed the 50% test that California, Connecticut and New York apply

Fidelity's Treasury Only fund against its core position fund, which missed California's 50% test

What each keeps after federal and state tax in all 50 states and D.C., and the yield SPAXX would need. Checked October 24, 2026.
SGOV vs BIL After State Tax 95.14% vs 97.26% exempt, all 50 states Tax year 2025. Checked October 24, 2026.

SGOV vs BIL: two Treasury bill ETFs, 95.14% vs 97.26% state tax exempt for 2025, a few dollars apart after tax in every state

iShares' 0-3 month Treasury ETF against State Street's 1-3 month T-bill ETF, plus SHV and TFLO

Yields, expense ratios and what each keeps after tax in all 50 states and D.C. Checked October 24, 2026.
VUSXX vs SGOV After State Tax 100% vs 95.14% exempt, all 50 states Tax year 2025. Checked October 17, 2026.

VUSXX vs SGOV: a $1.00 Treasury money fund against a Treasury bill ETF, 100% vs 95.14% state tax exempt for 2025

Vanguard's Treasury money fund against iShares' 0-3 month Treasury ETF

Yields, minimums, trading and what each keeps after tax in all 50 states and D.C. Checked October 17, 2026.
How to Buy T-Bills 15 brokers: auction, auto-roll, fees Checked October 17, 2026.

How to buy T-bills at 15 brokerages: auction or secondary market, minimum, fee and auto-roll

Fidelity, Schwab, Vanguard, E*TRADE, Merrill Edge, Robinhood and 9 more

Which firms take T-bill orders at auction online, which roll them over at maturity, and which sell none. Checked October 17, 2026.
SWVXX vs SNSXX After State Tax 0% vs 99.99% exempt, all 50 states Tax year 2025. Checked October 17, 2026.

SWVXX vs SNSXX: SWVXX yields more, but SNSXX keeps more after tax in 38 states (0% vs 99.99% state tax exempt for 2025)

Schwab's prime fund yields more; its Treasury fund keeps more after tax in 38 states

Both funds after federal and state tax in all 50 states and D.C., and the yield SWVXX would need. Checked October 17, 2026.
ACAT transfer fees $0 to $125 to leave 17 brokers, 6 reimburse Checked October 17, 2026.

ACAT transfer fees at 17 brokerages: what each charges to move out, and who reimburses it

Schwab, Fidelity, Robinhood, E*TRADE, Vanguard and 12 more

$0 at Fidelity and Interactive Brokers, $100 at six firms, $125 at TradeStation. Six firms repay your old firm's fee, $75 to $250. Checked October 17, 2026.
VUSXX vs VMFXX After State Tax 100% vs 66.61% exempt, all 50 states Tax year 2025. Checked October 17, 2026.

VUSXX vs VMFXX: 100% vs 66.61% state tax exempt for 2025, and which keeps more in all 50 states

Vanguard's Treasury money fund against its settlement fund, with the 2025 shares and both yields

What each keeps after federal and state tax in all 50 states and D.C., and the yield VMFXX would need. Checked October 17, 2026.
FINRA CAT fee $0.000003 a share Robinhood, Webull, moomoo, IBKR list it 15 brokers. Checked October 17, 2026.

The CAT fee in 2026: $0.000001 plus $0.000002 historical, and what 15 brokers pass on

Robinhood, Webull, moomoo and Interactive Brokers list $0.000003 a share; Public lists $0.000009

Ten brokers, including Schwab, Fidelity and Vanguard, name no CAT fee. What a buy and a sale cost, and when the rate changes in 2027. Checked October 17, 2026.
Leaving Webull? $75 fee, 3% offers Public until Oct. 26 Rechecked October 17, 2026.

Moving out of Webull: the $75 transfer fee and Public's 3% offer (Robinhood's ended Oct. 16)

Robinhood, Public, SoFi and Webull

Public pays 3% over 72 months on transfers from Webull started by Oct. 26, IRAs included. Robinhood's flat 3% ended Oct. 16. Rechecked October 17, 2026.
How to Buy SGOV 15 brokerages, in their own words Checked October 10, 2026.

How to buy SGOV at 15 brokerages: commission, buying by the dollar, automatic purchases

Fidelity, Schwab, Vanguard, E*TRADE, Robinhood, Interactive Brokers and 9 more

Which firms sell SGOV only in whole shares, which describe recurring ETF purchases, and how dividends are reinvested. Checked October 10, 2026.
Paid Memberships: Do They Pay Off? Robinhood Gold, Webull, Public, Acorns Fees and rates as posted October 4, 2026.

Robinhood Gold, Webull Premium, Public Reserve and Acorns: where each fee pays for itself

The IRA contribution or cash balance at which each membership repays its fee

Robinhood Gold, Webull Premium, Public Reserve and Acorns' paid plans, with the conditions that can take a match back. Checked October 4, 2026.
State Tax Exempt Money Market Funds 12 funds, from 100% to 0% for 2025 Tax year 2025. Checked October 4, 2026.

State tax exempt money market funds: Fidelity, Vanguard, Schwab and four Treasury ETFs, from 100% to 0% for 2025

Fidelity, Vanguard, Schwab, iShares and State Street, and which met California's 50% test

Each fund's 2025 share from its sponsor's own document, and what all twelve keep after tax in California, New York, Illinois and Texas. Checked October 4, 2026.
Is SPAXX State Tax Exempt? 50.90% for 2025, but not in CA, CT, NY Tax year 2025. Checked October 4, 2026.

Is SPAXX state tax exempt? 50.90% of its 2025 dividends, but not in California, Connecticut or New York

Fidelity says SPAXX missed the 50% asset test for 2025; it passed for 2024

Every state's treatment of SPAXX, and what Fidelity's Treasury Only fund (FDLXX) would keep after tax in each. Checked October 4, 2026.
Claim Your Child's Trump Account No deadline. Family money needs a claim After automatic enrollment. Checked October 4, 2026.

Claiming your child's Trump account: no deadline, but family money and the $1,000 need a claim

The $1,000, the Dell $250, family and employer money, and who gets control

What an unclaimed account can receive, how to finish the claim, and what a claim cannot undo, from Treasury's rules and the official help center. Checked October 4, 2026.
Does Your State Tax Social Security? The 8 states that do, one page each Tax year 2026. Checked September 30, 2026.

Does your state tax Social Security? One page for each of the eight states that do

Colorado, Connecticut, Minnesota, Montana, New Mexico, Rhode Island, Utah, Vermont

Each state's rule in its own words, what your benefits add to its 2026 tax, disability benefits, and a calculator. Checked September 30, 2026.
Trump Accounts and the FAFSA Not counted, or 20% of the balance 2027–28 FAFSA. Checked September 30, 2026.

Trump accounts and the FAFSA: the 2027–28 form never mentions them

Excluded as a retirement IRA, or counted at 20% as the student's own asset

The two rules that point in opposite directions, what each adds to the Student Aid Index, and why the amounts are small for 2027–28. Checked September 30, 2026.
IRMAA 2027 From $112,000 $224,000 joint, by the law's formula Checked September 30, 2026.

IRMAA 2027 brackets estimate: $112,000 single, $224,000 joint

The formula in the law reproduces CMS's 2026 brackets exactly

All five 2027 brackets from the CPI through August 2026, and why the middle three move by $1,000 depending on how CMS fills October 2025, the month BLS never published. Checked September 30, 2026.
Margin Rates 5.15% to 12.45% On $20,000, at 17 brokers Read October 17, 2026.

Margin rates by broker: 5.15% to 12.45% on a $20,000 loan

Schwab, Fidelity, E*TRADE, Vanguard, Robinhood, Interactive Brokers, Public and 10 more

Every tier from each broker's own page after the Fed's Sept. 16 hike, how each sets its rate, and a calculator for your balance. Read October 17, 2026.
Vanguard Cash Plus FDIC: $1.25 Million 17 program banks, $247,500 each List effective September 2026.

Vanguard Cash Plus FDIC limit: $1.25 million across 17 program banks

Apple Bank may join on or after Oct. 18, 2026; Sunflower Bank leaves Dec. 15

The banks, the $247,500 per-bank limit, the “Excess Bank” above it, and why your own deposits at Citibank, Wells Fargo or PNC count against the limit. Checked September 30, 2026.
Is SGOV State Tax Exempt? 95.14% of 2025 dividends, 39 states All 50 states and DC. Checked September 30, 2026.

Is SGOV state tax exempt? 95.14% of its 2025 dividends are, in 39 states

California, Connecticut and New York need the 50% test, which SGOV met

Each state's rule, form line and source, and the 2025 figures for TFLO, SHV, VUSXX, VMFXX, FDLXX, FZFXX and SPAXX. Checked September 30, 2026.
I Bond Rate November 2026 Inflation part 2.04%; fixed rate Nov. 2 Updated October 17, 2026.

I bond rate November 2026: the inflation part is 2.04%, and I bond vs T-bill after tax

Bonds bought through Oct. 31 earn 4.26% for six months, then 5.00%; Treasury sets the new fixed rate Nov. 2

The next rate for your bond by purchase date, and a 12-month October or November bond next to a 52-week bill and a savings account, after federal and state tax. Values match all 57,609 in Treasury's value files. Updated with September's CPI on October 17, 2026.
COLA 2027: 3.6% What You Keep After Part B and taxes, all 50 states Announced October 14, 2026.

Social Security COLA 2027 is 3.6%: what you keep after Medicare Part B and income tax

Announced by Social Security on Oct. 14, 2026

The Part B premium ($202.90 in 2026, $209.50 estimated for 2027), the hold-harmless rule, Social Security's rounding and your federal and state income tax. COLA updated October 17, 2026.
SAVE Plan 90-Day Deadline MOHELA, Nelnet, Aidvantage and 2 more 5 servicers. Checked October 24, 2026.

SAVE plan deadline: when MOHELA, Nelnet, Aidvantage, Edfinancial and CRI send the 90-day notice

Your 90 days start with your servicer's notice, and the servicers' schedules differ

Edfinancial sent notices July 1 to Aug. 15, MOHELA July to September, Nelnet by the end of 2026. Each servicer's own words, with the date. Checked October 24, 2026.
FINRA TAF: $0 Oct. 1 to Dec. 31 Robinhood: paused. 5 more show $0 15 brokers. Checked October 24, 2026.

FINRA's trading activity fee is $0 from Oct. 1 to Dec. 31, 2026: how 15 brokers charge it

Robinhood now says the TAF is paused, five brokers' fee pages show it at $0, and E*TRADE dropped its TAF line

Ally, eToro, Interactive Brokers, moomoo and Webull show $0; Schwab, Fidelity, Merrill, Vanguard and J.P. Morgan fold it into a wider fee. Each broker's own words, with the date. Checked October 24, 2026.
Trump Account Transfers Fidelity, Vanguard, Schwab and 17 more 20 firms. Checked October 10, 2026.

Can you move a Trump account to Fidelity, Vanguard or Schwab? Where 20 firms stand

Claimed accounts sit at Robinhood, and no other firm takes transfers yet

Fidelity (later this year), Vanguard, J.P. Morgan and Empower say they will; Acorns and Wealthfront say they do not offer Trump accounts. Each firm's own words, with the date. Checked October 10, 2026.
Cash Yield After State Tax T-bills, SGOV, money funds vs savings All 50 states and DC. Checked September 22, 2026.

SGOV vs high-yield savings after state tax: calculator for all 50 states

Treasury bills, Treasury money funds and T-bill ETFs next to bank and brokerage cash

Each state's rule for fund dividends (California, Connecticut and New York require 50%), federal AGI effects and New York City tax. 220 test cases. Checked September 22, 2026.
Cash Sweep Rates After the Fed Hike 13 brokerages and apps Checked September 22, 2026.

Brokerage cash sweep rates after the Sept. 16, 2026 Fed hike: who raised and who did not

Robinhood, Wealthfront, Schwab, Fidelity, Vanguard and 8 more, next to the rate before the hike

Six firms now post a rate a quarter point higher, Public has not changed, and Schwab, Merrill and E*TRADE pay 0.01%. Every rate from the firm's own page. Checked September 22, 2026.
Student Loan Autopay Cut: 1% Enroll by 11:59 p.m. ET, Dec. 31, 2026 Direct Loans. Checked October 1, 2026.

Student loan autopay discount is now 1%: deadline extended to Dec. 31, 2026 (savings calculator)

What the 1-point reduction saves on a federal Direct Loan through June 30, 2028

Compared with no auto pay and with the old 0.25 point, using Federal Student Aid's daily-interest method. 18 test cases. Checked October 1, 2026.
Trump Account vs 529, Roth, UTMA After federal and state tax, 50 + DC Tax year 2026. Checked September 17, 2026.

Trump Account vs 529 vs Roth IRA vs UTMA calculator, with your state's taxes (2026)

Which account leaves your child more to spend, for college, at 18 or in retirement

Federal kiddie tax plus each state's 529 deduction, recapture and capital gains rules, all 50 states and DC, with sources. 141 test cases.
Trump Accounts State Tax, 50 + DC Follows federal or not, with the law Tax year 2026. Checked September 13, 2026.

Are Trump Accounts taxable in your state? All 50 states and DC (2026)

Which states follow the federal tax treatment, which do not, and the law behind each answer

34 follow federal law, Alabama partly, 4 do not, 3 have not said, and 9 have no income tax. Every row links the statute or state guidance. Checked September 13, 2026.
Retirement Tax All 50 States + DC 51 jurisdictions, ranked Every state's own instructions. 2025-2026.

Retirement tax by state: all 50 states and DC, ranked (2025-2026)

Which states tax a pension, an IRA withdrawal and Social Security - and what each one would charge you

Enter your retirement income once and see all fifty-one side by side, with every line of each state's arithmetic and the instruction page it came from. Test cases included. Checked September 3, 2026.
Retirement Tax by State CO CT MN MT NM RI UT VT Federal + state, side by side. 2025-2026.

Retirement Tax by State: the 8 states that tax Social Security

Colorado, Connecticut, Minnesota, Montana, New Mexico, Rhode Island, Utah, Vermont

Enter Social Security, pension and IRA income once and see federal tax and every state's tax side by side, from each state's own instructions. Test cases included. Checked September 2, 2026.
Is My Social Security Taxable? 0% / 50% / 85% + the torpedo Federal. Pub 915 worksheet. 2025-2026.

How much of your Social Security is taxable? (2025-2026)

Federal: combined income, taxable share, tax, and the marginal rate on extra IRA withdrawals

The IRS worksheet line by line, the $6,000 senior deduction, and a table showing what each extra $2,000 of IRA withdrawals does to your marginal rate. Test cases included. Checked September 2, 2026.