The lines your money has to stay on the right side of.

Six calculators for US limits, cliffs, rates and deadlines. Every figure carries its year, the agency that set it and the day we checked it. Nothing you type leaves your browser.

6 calculatorsfigures verified 2026-09-07no sign-upno logsinformation, not advice

01I BONDS

Today’s rate, what your bond is worth, and the month to cash it in.

I bond composite rate for bonds issued May–Oct 2026
Scale	0.00% to 10.00%
Filled to	4.26%
now	4.26%
May 2022 peak	9.62%

composite · new bonds4.26%fixed rate0.90%next announcementNov 1, 2026

Today’s rate and your bond’s value →

02HSA

Your contribution limit when you were not HDHP-eligible all year.

2026 HSA contribution limits
Scale	$0 to $8,750
Filled to	$4,400
self-only	$4,400
family	$8,750

self-only$4,400family$8,750age 55+ catch-up+$1,000

Prorate my limit →

03ESTIMATED TAXES

What to pay each quarter so the underpayment penalty cannot apply.

Estimated-tax safe harbor: pay the lower of 90% of this year or 100–110% of last year
Scale	0% to 120%
Filled to	90%
of 2026 tax	90%
of 2025 tax	100%
if AGI > $150k	110%

next dueSep 15, 2026safe harbor90 / 100 / 110%no penalty under$1,000

Work out each quarter →

04FSA

Your spend-by date, what carries over, and what you forfeit.

2026 health FSA: $3,400 salary-reduction limit, $680 carryover maximum
Scale	$0 to $3,400
Filled to	$680
forfeited if unspent (no grace period)	$680 – $3,400
carries over	$680
2026 limit	$3,400

2026 limit$3,400carryover max$680grace period max2½ months

Find my deadline →

05SOCIAL SECURITY

How much benefit is held back while you keep working before full retirement age.

2026 Social Security earnings-test exempt amounts
Scale	$0 to $70,000
Filled to	$24,480
under FRA	$24,480
year you reach FRA	$65,160

under FRA all year$24,480year you reach FRA$65,160withheld$1 per $2 · $1 per $3

See what is withheld →

06HEALTH INSURANCE

COBRA or a Marketplace plan: what each costs over the months you need cover.

Premium tax credit: no credit above 400% of the federal poverty level (2026 and 2027)
Scale	0% to 500% FPL
Filled to	400%
no premium tax credit	400% – 500%
Medicaid (expansion states)	138%
of FPL — the cliff	400%

credit cliff400% FPLCOBRA premium up to102% of the plan's costspecial enrollment60 days

Compare COBRA vs Marketplace →

What is coming

Sep 15, 2026Q3 estimated tax payment due→mid-October 20262027 Social Security COLA and earnings-test limits announced→Nov 1, 2026New I bond rate takes effect (a Sunday) · 2027 Open Enrollment opens→Dec 1, 2026HSA last-month-rule eligibility date→Dec 31, 2026Most FSA plan years end — spend-by date without a grace period→

The whole money calendar, with day counts and an .ics file →

The year on one page

Every threshold we track for 2026 — HSA, HDHP, FSA, estimated tax, Social Security, ACA, COBRA and I bonds — with its source and the day we checked it. And the 2027 numbers already published, with an honest list of what is not announced yet.

How this site is kept true

Every number lives in a registry with an effective period and a primary source. The build refuses to publish a figure past its end date, a superseded value stated as current, or a projection dressed as a fact. Methodology · Disclosure