Where our figures come from

A calculator is only as trustworthy as the rules inside it. Every rate, allowance and limit behind Bureau of Wealth comes from a public body that sets or publishes it, and each calculator links to the exact page it uses.

Browse by area

Tax

Federal income tax, capital gains and tax-advantaged accounts.

Figures from Internal Revenue Service

Retirement

Social Security benefits and when to claim them.

Figures from Social Security Administration

Borrowing and credit

Mortgages, car loans, credit cards and student loans.

Figures from Consumer Financial Protection Bureau and Federal Student Aid

Saving and investing

Compound interest, fees and saving toward a goal.

Figures from U.S. Securities and Exchange Commission

Prices and inflation

How prices change and what your money buys over time.

Inflation Calculator: Future Cost and Buying Power

Figures from Bureau of Labor Statistics

The institutions

Internal Revenue Service

Official website

The Internal Revenue Service is the US federal agency that administers the federal tax code and collects federal taxes. Each year it publishes the income tax brackets, the standard deduction and the contribution limits for retirement and health savings accounts.

What we use: Federal income tax brackets, capital gains rates and 401(k), IRA and HSA contribution limits.

Used in: 529 College Savings Calculator: Will You Have Enough, Retirement Savings Calculator, Retirement Withdrawal Calculator: Taxes and RMDs, 401(k) Match Calculator, Take-Home Pay Calculator: Paycheck After Taxes 2026, Capital Gains Tax Calculator 2026: Federal and NIIT, Net Worth Calculator

Official website

The Social Security Administration runs the Social Security retirement, survivors and disability programs. It publishes the benefit formula, the full retirement age for each birth year and the effect of claiming early or late.

What we use: The benefit formula and claiming-age rules behind Social Security estimates.

Used in: Social Security Calculator, Take-Home Pay Calculator: Paycheck After Taxes 2026

Consumer Financial Protection Bureau

Official website

The Consumer Financial Protection Bureau is a US federal agency that regulates consumer financial products such as mortgages, credit cards and loans. It publishes plain-language guidance for borrowers, including how APR, closing costs and debt-to-income ratios work.

What we use: Mortgage, closing cost and debt-to-income guidance.

Used in: Loan Repayment Calculator, Debt Payoff Calculator: Avalanche or Snowball, Credit Card Payoff Calculator, Debt-to-Income Ratio Calculator, Auto Loan Calculator, Student Loan Refinance Calculator: RAP and Tiered Standard, Home Affordability Calculator: How Much House Can I Afford, Amortization Schedule Calculator, Rent vs Buy Calculator, Closing Costs Calculator: Cash to Close, Emergency Fund Calculator, 50/30/20 Budget Calculator

Bureau of Labor Statistics

Official website

The Bureau of Labor Statistics is the statistics agency of the US Department of Labor. It publishes the Consumer Price Index, the most widely used measure of inflation in the United States.

What we use: Consumer Price Index figures for inflation.

Used in: Inflation Calculator: Future Cost and Buying Power

Federal Student Aid

Official website

Federal Student Aid is the office of the US Department of Education that runs the federal student loan and grant programs. It publishes the repayment plans, interest rates and rules for federal student loans.

What we use: Federal student loan repayment rules.

Used in: Student Loan Refinance Calculator: RAP and Tiered Standard

U.S. Securities and Exchange Commission

Official website

The Securities and Exchange Commission regulates US securities markets. Its investor education website, Investor.gov, explains compound interest, investment fees and saving for goals, and offers its own free calculators.

What we use: Compound interest and investment fee methods published on Investor.gov.

Used in: Savings Goal Calculator, Compound Interest Calculator, ROI Calculator: Total and Annualized Return, Investment Fees Calculator, FIRE Calculator: Your Financial Independence Number, Net Worth Calculator

Bureau of Wealth is independent. It is not affiliated with, sponsored by or endorsed by any of these organisations. Rules change, so always check your own figures with them directly.