United States guides
Understand how the numbers work โ then run them with the matching free calculator.
How to save for retirement in the US
Your 2026 roadmap to retirement saving โ how much you need (the 4% rule), 401(k) and Roth IRA limits, the employer match, and the order to fund accounts.
401(k) vs Roth IRA: which comes first?
A plain-English 401(k) vs Roth IRA comparison for 2026 โ pre-tax vs after-tax, contribution limits, the employer match, income phase-outs, and how to fund both.
How to calculate your US take-home pay
A plain-English guide to how US take-home pay is worked out in 2026 โ federal income tax, FICA, pre-tax deductions and how to estimate your net paycheck.
How much house can you afford?
Understand the 28/36 rule lenders use, how down payment, debts and rates change your budget, and how to estimate the home price you can realistically afford.
Should you refinance your mortgage?
A plain-English guide to mortgage refinancing โ how the break-even point works, when a refinance pays off, rate-and-term vs. cash-out, and the closing costs.
How mortgage payments work
A plain-English guide to how a US mortgage payment is built โ the four parts of PITI, how amortization shifts interest to principal, and what lowers it.
Capital gains tax explained
A plain-English guide to US capital gains tax in 2026 โ the one-year holding rule, the 0%/15%/20% brackets, the 3.8% NIIT, and how losses offset gains.
How US student loan repayment works in 2026
The 2026 federal student loan rules โ the new Repayment Assistance Plan (RAP), Tiered Standard, PSLF, and when refinancing helps or hurts.