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Form 8962 PTC Reconciliation Calculator 2026 — APTC Repay or Refund

Form 8962 PTC Reconciliation Calculator 2026 If you bought health insurance through the ACA marketplace and received advance premium tax credit (APTC), you must reconcile it on Form 8962 with your tax return. The reconciliation produces one of two outcomes: you owe back excess APTC, or the IRS owes you additional refund. Get it wrong and your refund is held by IRS Letter 12C. Reconcile your PTC → The Four Numbers That Decide Your Outcome From your Form 1095-A (sent by the marketplace each January): Column A — total annual marketplace premiums Column B — Second Lowest Cost Silver Plan (SLCSP) benchmark Column C — total APTC paid on your behalf Your final MAGI — from your tax return The calculator applies the official 2026 applicable figure (sliding from 0% at 150% FPL to 8.5% at 400%+ FPL) and tells you exactly what you owe or get back. The 400% FPL Cliff — Why Income Estimates Matter Under 400% FPL, the IRS caps repayment of excess APTC: $400 single / $800 fami...
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16 New Free 2026 Calculators — Mortgage, Insurance, Tax, Multi-Country

Just shipped 16 new browser-based calculators covering 2026 tax law, mortgage refinancing, insurance gap analysis, and country-specific obligations across Switzerland, Norway, Sweden, and New Zealand. All free, no signup, no data collection — the math runs in your browser. Here's what's in the batch and why each tool exists. Mortgage cluster — the 2026 refi market US mortgage rates have moderated from their 2024 peaks but most homeowners with 7%+ rates are still evaluating refinance options. We added four mortgage tools to handle the specific decisions that come up: Refinance vs Loan Modification Calculator — compares a refinance against a Fannie Mae/Freddie Mac Flex Modification side-by-side. The Flex Modification has surpassed 88,000 completions per FHFA data and is the standard workout for borrowers in distress. 2-1 Buydown Calculator — for buyers evaluating builder/seller-funded temporary buydowns. Year 1 saves 2 percentage points off the note rate, year 2 saves 1...
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UK Employment Rights Calculators 2025/26 — Redundancy, Holiday, SSP, Notice Period

If you work in the UK, the rules around redundancy pay, holiday entitlement, statutory sick pay (SSP), and notice periods change almost every April — and 2025/26 brought a big one: the statutory weekly pay cap jumped from £700 to £719 , lifting the maximum statutory redundancy payout to £21,570 for 20 years of service in the over-41 age band. I built (and recently refreshed) a small set of free, browser-based calculators that handle these rules correctly for the 2025/26 tax year. No signup, no data collection — everything runs locally in your browser. Here are the five most useful ones, with the gotchas that trip people up. 1. UK Redundancy Pay Calculator 2025/26 Statutory redundancy pay in the UK depends on three things: your age, your gross weekly pay (capped at £719 from 6 April 2025), and your years of continuous service (max 20). The age-based multiplier is the part most people get wrong: Under 22: 0.5 weeks' pay per year of service Age 22–40: 1 week's pay pe...
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Alternative Minimum Tax (AMT) Calculator 2026 — Check If You Owe Extra Before Filing

What Is the Alternative Minimum Tax? The Alternative Minimum Tax (AMT) is a parallel tax system the IRS runs alongside the regular income tax. It was originally designed to stop high earners from using so many deductions that they paid little or nothing in federal tax. The idea is simple: calculate your tax twice — once under regular rules, once under AMT rules — and pay whichever is higher. For most middle-income filers, the AMT never triggers. But if you have significant itemized deductions, exercised incentive stock options (ISOs), or live in a high-tax state, it can hit in ways that are genuinely surprising — sometimes adding thousands of dollars to your bill. Check your 2026 AMT exposure now: AMT Calculator 2026 2026 AMT Exemption Amounts (OBBB-Updated) The One Big Beautiful Bill (OBBB) updated the AMT exemption thresholds for 2026. The exemption is the amount subtracted from your Alternative Minimum Taxable Income (AMTI) before the AMT rate applies: Single / Head of...
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Gratis MVA-kalkulator for Norge 2026 — Beregn 25%, 15% og 12% moms

Beregn merverdiavgift (MVA) gratis — ingen registrering, ingen data lagres Merverdiavgift (MVA) er Norges viktigste indirekte skatt. Enten du er frilanser som fakturerer kunder, eier av en liten bedrift som skal inn i MVA-registeret, eller bare en forbruker som vil vite hvor mye av prisen som faktisk er moms — en nøyaktig MVA-kalkulator sparer deg for tid og feil. Prøv den gratis MVA-kalkulatoren → Norges tre MVA-satser i 2026 Norge opererer med tre MVA-satser fastsatt av Stortinget: | Sats | Prosent | Gjelder for | |------|---------|-------------| | Alminnelig | 25% | De fleste varer og tjenester | | Redusert | 15% | Matvarer (næringsmidler) | | Lav | 12% | Persontransport, kino, kultur, overnatting, NRK-lisens | Kilde: Skatteetaten — satser for merverdiavgift Hvem trenger en MVA-kalkulator? Enkeltpersonforetak og AS som fakturerer med MVA og trenger å beregne avgiftsbeløpet før de sender faktura Importører som skal beregne MVA på varer fra utlandet (inkl. tolla...
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Free PITI Mortgage Calculator — Principal, Interest, Taxes & Insurance in One Click

What Is PITI — and Why Most Buyers Get Surprised PITI stands for Principal, Interest, Taxes, and Insurance — the four components that make up your true monthly housing cost. Not just the loan payment. The full bill. Most first-time buyers focus on the principal and interest (P&I) number the bank quotes them and forget about the rest. That's how a $400,000 home at 6.75% can feel like a $2,336/month payment… until closing day, when the real number lands closer to $2,985/month once you add property taxes ($367), homeowners insurance ($117), and PMI ($165). That $650/month gap is enough to blow a budget — or tank a mortgage approval. The 28% Front-End DTI Rule — Lenders Use This Every Time When you apply for a mortgage, the first thing an underwriter does is calculate your front-end debt-to-income ratio : your total PITI divided by your gross monthly income. Under conventional guidelines (Fannie Mae / Freddie Mac), that ratio must stay at or below 28% . A few examp...
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Inherited IRA 10-Year Rule Calculator: Your Complete 2026 Distribution Schedule

If you inherited an IRA after 2019, the SECURE Act 2.0 (P.L. 117-328) likely requires you to empty it within 10 years — and depending on when the original owner died, you may owe annual Required Minimum Distributions (RMDs) in years 1–9 too. The rules are genuinely confusing. Many beneficiaries discovered (after IRS Notice 2024-35 extended relief through 2025) that they owe back RMDs they never took. Getting this wrong triggers a 25% excise tax on the shortfall. Who Faces the 10-Year Rule? Non-Eligible Designated Beneficiaries (non-EDBs) — typically adult children, siblings, and friends — must fully deplete the inherited IRA by December 31 of the 10th year after the owner's death. Eligible Designated Beneficiaries (EDBs) who are exempt: Surviving spouses Minor children of the deceased (until they reach age 21, then 10-year rule kicks in) Disabled or chronically ill individuals Beneficiaries not more than 10 years younger than the owner Annual RMDs Within the 10 Yea...
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