Social Security Earnings Limit 2027: $25,560 and $67,920 Rules
In 2027 you can earn $25,560 before Social Security withholds $1 for every $2, or $67,920 in your FRA year. See what counts, plus worked examples.
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Social Security Wage Base 2027: $192,300 and Max Tax Explained
The 2027 Social Security wage base is $192,300, so the most an employee pays is $11,922.60. See self-employed math, Medicare tax and two-job refunds.
2027 HSA Contribution Limits: $4,500 Self-Only, $9,000 Family
The 2027 HSA limit is $4,500 for self-only and $9,000 for family coverage, plus $1,000 at 55. See HDHP deductible rules and tax savings examples.
How to Calculate Landed Cost With Tariffs (2026 Guide)
Tariffs changed several times in 2026. Here's the landed cost formula line by line, with worked examples, FY2027 customs fees, and where IEEPA refunds stand.
Charitable Donation Deduction 2026: New $1,000 Rule
New 2026 rules let you deduct charity gifts without itemizing, add a 0.5% floor for itemizers, and cap top-bracket benefits at 35%. Here's what each rule means for…
Dependent Care FSA vs Child Care Credit 2026: Which Wins?
The dependent care FSA limit is $7,500 for 2026 and the child care credit rate now starts at 50%. Here's how they interact and which one saves your…
How to Cancel GAP Insurance and Get a Refund
Cancel GAP insurance after payoff, refinance or sale: who to contact, what to send, and how pro rata vs Rule of 78s refunds compare, with a worked example.
Rule of 78s vs Pro Rata: How GAP Refunds Differ
When you cancel GAP insurance mid-term, the refund is almost never “half the premium for half the months left.” Contracts specify a refund method, most often pro rata…
No Tax on Overtime Rules: Who Qualifies and the $12,500 Limit
Yes, overtime is still compensation, and employers generally withhold taxes from it. What changed under recent federal “no tax on overtime” style rules (often discussed with OBBBA /…
W-2 Box 12 Code TT Explained
W-2 Box 12 code TT is your qualified overtime: only the half-time premium. 10 OT hours at $20/hr = $100. Deduct up to $12,500 ($25,000 joint) 2025–2028.