MoneyBasisIncome & taxes
Year-specific federal tax references and payroll-tax rules.
Internal Revenue Service
Revenue Procedure 2025-32 (opens in a new tab)2026 federal brackets · 2026 standard deduction · amended 2025 standard deduction
Internal Revenue Service
Revenue Procedure 2024-40 (opens in a new tab)2025 federal brackets; deduction amounts superseded by RP 2025-32
Social Security Administration
Contribution and Benefit Base (opens in a new tab)2025 and 2026 Social Security wage bases · employee Social Security rate
Internal Revenue Service
Topic 560: Additional Medicare Tax (opens in a new tab)Additional Medicare rate and filing-status thresholds · liability versus employer withholding
Internal Revenue Service
Retirement plan contributions and withholding (opens in a new tab)traditional employee deferrals generally reduce federal wages but not Social Security or Medicare wages · employer contributions differ from employee deferrals
Internal Revenue Service
Publication 15-B: Employer’s Tax Guide to Fringe Benefits (opens in a new tab)qualifying cafeteria-plan benefit exclusions depend on benefit and eligibility; not every payroll deduction is FICA-exempt
Home & borrowing
Mortgage terms, amortization, insurance and debt repayment.
Consumer Financial Protection Bureau
How does paying down a mortgage work? (opens in a new tab)principal and interest allocation · amortization explanation
Consumer Financial Protection Bureau
Mortgage answers: key terms (opens in a new tab)housing cost and mortgage terminology
Consumer Financial Protection Bureau
Mortgage interest rate versus APR (opens in a new tab)note interest rate versus APR including specified borrowing charges
Fannie Mae
Processing Additional Principal Payments (opens in a new tab)principal curtailment and re-amortization over remaining term at current rate; applies to specified Fannie Mae loans
Consumer Financial Protection Bureau
What is private mortgage insurance? (opens in a new tab)PMI protects lender; separate from principal and interest
Consumer Financial Protection Bureau
Reducing debt worksheet (opens in a new tab)snowball priority · highest-interest priority · redirecting payments after payoff
Saving & investing
Compounding, rates, investment costs and purchasing power.
SEC Investor.gov
Compound Interest (opens in a new tab)compound interest definition
SEC Investor.gov
Compound Interest Calculator (opens in a new tab)contribution and compounding inputs; MoneyBasis timing is defined separately
Consumer Financial Protection Bureau
Savings plan (opens in a new tab)savings goals · periodic saving plans
Consumer Financial Protection Bureau
Regulation DD: annual percentage yield definition (opens in a new tab)APY includes interest and compounding; deposit yield differs from nominal rate
SEC Investor.gov
How Fees and Expenses Affect Your Investment Portfolio (opens in a new tab)fees reduce invested capital and subsequent compounding
U.S. Bureau of Labor Statistics
Purchasing power and constant dollars (opens in a new tab)converting nominal dollars to constant purchasing-power dollars
Budget & net worth
Cash flow, assets and liabilities.
Consumer Financial Protection Bureau
Creating a cash flow budget (opens in a new tab)cash-flow timing · remaining balance versus savings
SEC Investor.gov
Figure Out Your Finances (opens in a new tab)assets minus liabilities · net-worth snapshot
Retirement
Planning resources and the historical research behind withdrawal rules.
U.S. Department of Labor
Top 10 Ways to Prepare for Retirement (opens in a new tab)retirement preparation · estimating retirement needs; not validation of a withdrawal guarantee
William P. Bengen / Journal of Financial Planning
Determining Withdrawal Rates Using Historical Data (opens in a new tab)1994 historical stock/bond withdrawal research; initial percentage followed by inflation adjustments; original publisher page requires sign-in
William P. Bengen / Journal of Financial Planning; scan hosted by freefincal
Bengen 1994: original paper scan (hosted reprint) (opens in a new tab)accessible original paper; historical portfolio longevity, asset mix and inflation assumptions
Cooley, Hubbard and Walz / AAII Journal
Retirement Savings: Choosing a Withdrawal Rate That Is Sustainable (opens in a new tab)1998 Trinity research; historical US stock/bond allocations and 15–30 year payout periods; taxes and transaction costs excluded
Social Security Administration
Plan for Retirement (opens in a new tab)personal benefit estimates and claiming age; benefits are separate from portfolio withdrawals
How MoneyBasis labels numbers
MoneyBasis separates source-derived facts, user-adjustable assumptions and calculated estimates.
Source-derived facts
Reference data
- 2026 tax brackets
- Social Security wage base
User assumptions
Editable inputs
- expected investment return
- home appreciation
- inflation assumption
Calculated estimates
Model output
- mortgage payment
- future portfolio value
- rent-vs-buy position
Defaults such as an investment return, home-appreciation rate or a 4% retirement withdrawal are user-adjustable assumptions or historical heuristics. They are not presented as typical returns, guaranteed outcomes or live market data.