Changelog
A dated record of substantive updates: new calculators, annual figure refreshes, methodology changes, and corrections. We keep it so you can see the site is actively maintained and check what changed and when. To report an error, see our corrections policy.
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Chicago joins the city housing-market series
Published the fourth city housing-market dashboard: a city-first Chicago page on the total-cost trap, where a cheaper home carries a higher monthly cost than a pricier Phoenix one, with a four-bar cross-city tax chart, the condo carrying-cost trap, and the family's first seller's-market Balance Score.
Related: Chicago housing market dashboard , Phoenix housing market dashboard , Tampa housing market dashboard , Austin housing market dashboard , Data studies hub
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Phoenix joins the city housing-market series
Published the third city housing-market dashboard: a Phoenix page on the normalization arc, the property-tax edge (the Limited Property Value does not reset on sale), the water and heat overhang, and new-vs-resale competition, with a cross-city tax chart and a beta Market Balance Score.
Related: Phoenix housing market dashboard , Austin housing market dashboard , Tampa housing market dashboard , Data studies hub
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Tampa Bay joins the city housing-market series
Published the second city housing-market dashboard: a Tampa Bay page that splits single-family from condo, explains the insurance and reserve-mandate repricing behind the condo correction, adds an engine-computed flood-zone cost variant, and carries a beta Market Balance Score with all five inputs.
Related: Tampa housing market dashboard , Austin housing market dashboard , Data studies hub , Rent vs buy in Tampa
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The Austin housing-market dashboard launches a new city series
Published the first city housing-market intelligence page: a monthly-refreshed Austin dashboard with sourced May-June 2026 data, geography and period labels on every figure, engine-computed affordability math, per-reader action frameworks, and a beta Market Balance Score.
Related: Austin housing market dashboard , Data studies hub , Rent vs buy in Austin
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Social Security COLA 2026 calculator and playbook ship together
New COLA calculator applies SSA's exact truncation rules (dime on the raise, dollar on the payable check), deducts the Medicare Part B change with the hold-harmless cap, and ships with a full 2026 COLA playbook: the CPI-W math, every changed number, the 1975 to 2026 history, and a 2027 watch.
Related: Social Security COLA calculator , Social Security COLA 2026: how much more you will actually get , Cost-of-living adjustment (glossary)
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Companion guide links are now build-verified, and three calculators got better guides
Every calculator's companion guide link is now checked on every build: it must point to a live playbook on the same topic. The check caught three calculators linking off-topic guides (refinance, HELOC, and emergency fund), all re-pointed, and new /go/ short links carry campaign tags for social posts.
Related: Emergency fund calculator , Refinance calculator , HELOC calculator , All calculators
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A press page for writers: quotable statistics, reuse terms, and contact in one place
Published the press page at /press/: who runs the site, one quotable statistic per data study with its source line, the CC BY 4.0 dataset and embed attribution terms, and the contact address for data questions.
Related: Press and media , Data studies hub , Corrections policy
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The data studies get one home: the /studies/ hub with sources, CSVs, and embeds
Published the data-study hub at /studies/: every study with its primary source, data year, last-updated date, CSV download, and embeddable chart and table in one place, plus the shared methodology behind all of them and the reuse terms.
Related: Data studies hub , Retirement savings by age study , How we verify
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Net worth percentile ladders by age bracket, with and without home equity
Published the per-age-bracket net worth percentile ladders behind our percentile calculator: the 25th through top 1 percent thresholds for 13 age brackets, in including-home and excluding-home views, with per-bracket sample counts and a CSV download.
Related: Net worth percentile by age , Net worth percentile calculator , Net worth by age study
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The Retirement Savings by Age data study ships with both medians and a lens-labeled CSV
Published our fourth data study: median and average retirement savings by age from the 2022 Federal Reserve SCF, shown through two clearly labeled lenses, among households with accounts and across all households, with a downloadable CSV that carries the lens on every row.
Related: Average and median retirement savings by age , Retirement calculator , Retirement on-track calculator
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Two new calculators plus embeddable data-study charts and tables
Added the Liquid Net Worth and 401(k) Match calculators, each with a companion explainer, and made every data study's main table and hero chart embeddable with a built-in attribution link.
Related: Liquid net worth calculator , 401(k) match calculator , Liquid net worth vs total, explained , How much is a 401(k) match worth?
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The Net Worth by Age data study ships with average, median, and a CSV download
Published our third data study: average and median US household net worth by age from the Federal Reserve's 2022 Survey of Consumer Finances, with a Census SIPP comparison, home equity and liquidity context, a DQYDJ percentile snapshot, and a CSV download.
Related: Average and median net worth by age , Net worth calculator , Net worth percentile calculator
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The 401(k) Balance by Age data study ships with average, median, and a CSV download
Published our second data study: average and median 401(k) balances by age from Vanguard's year-end 2025 data, with a Fidelity comparison, SCF national context, engine-computed match and contribution-rate charts, and a CSV download.
Related: Average and median 401(k) balance by age , 401(k) calculator , Retirement on-track calculator
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The FIRE Number by Metro data study ships with a downloadable dataset
Published our first original data study: estimated FIRE targets for the 75 largest US metros from BEA 2024 price parities and Census 2024 incomes, with a full ranked table, five charts, and a CC BY 4.0 CSV download.
Related: How much money you need to reach FIRE in America's largest metro areas , FIRE calculator
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Calculators reorganized: new Real Estate Investing and Paycheck & Take-Home Pay categories
All 66 calculators at the time moved from seven categories to nine; see the calculators index for the current count. Real estate deal analysis gets its own Real Estate Investing hub covering rental ROI, BRRRR, DSCR, cap rate, fix and flip, and the Airbnb tools, and the 10 state paycheck calculators get a Paycheck & Take-Home Pay hub. No calculator URL changed.
Related: Real Estate Investing calculators , Paycheck & Take-Home Pay calculators , All calculators
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Three new calculators with companions: house poor, true cost of owning, layoff runway
Three new decision calculators, house poor, true cost of homeownership, and layoff runway, each shipped with a companion playbook and four new glossary terms.
Related: House Poor Risk Calculator , True Cost of Homeownership Calculator , Layoff Runway Calculator , The house poor test , The true cost of owning a home , Layoff runway
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Four more companion playbooks: rent vs sell, house hacking, BRRRR, cap rate and GRM
Published four companion playbooks: rent vs sell, house hacking, BRRRR, and cap rate and GRM. Every worked figure is computed by the paired calculator's engine, and eight new glossary terms shipped alongside.
Related: Should you sell your house or rent it out , House hacking: make tenants cover your mortgage , BRRRR method: does it still work in 2026 , Cap rate and GRM: what each metric misses
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Five companion playbooks ship for the Wave 1 calculators
Published five companion playbooks: seller net proceeds, buyer closing costs, DSCR loans, real estate commission, and Coast FIRE. Every worked example is computed by the same engine that runs the paired calculator, and each calculator page now links its guide.
Related: What it really costs to sell a house , What it really costs to close on a home , DSCR loans explained , Who pays the real estate commission now , Coast FIRE: when you can stop saving
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Final three calculators ship: student loan payoff, rent affordability, home sale capital gains
Completed a 20-calculator expansion with three more tools: student loan payoff with extra payments, rent affordability using the 30 percent rule and 50/30/20, and home sale capital gains with the Section 121 exclusion. That brought the site to 63 calculators at the time; see the calculators index for the current count.
Related: Student loan payoff calculator , Rent affordability calculator , Home sale capital gains calculator , All calculators
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Six calculators complete the equity hub: rent vs sell, FHA, VA, cash-out refinance, points, GRM
Added rent vs sell, FHA and VA loan payment calculators with verified agency constants, a cash-out refinance tool that bridges refinance and HELOC into one equity hub, a mortgage points break-even calculator, and a gross rent multiplier deal screener.
Related: Rent vs sell calculator , FHA loan calculator , VA loan calculator , Cash-out refinance calculator , Mortgage points calculator , Gross rent multiplier calculator
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Six more calculators: DTI, house hacking, net worth percentile, BRRRR, cap rate, borrowing power
Added six calculators across the affordability, investing, and retirement clusters: debt-to-income, house hacking, net worth by age percentile, BRRRR, cap rate, and how much you can borrow.
Related: Debt-to-income (DTI) calculator , House hacking calculator , Net worth percentile calculator , BRRRR calculator , Cap rate calculator , How much can I borrow calculator
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Five new home and investing calculators, plus interpretation and breakdown tables
Launched the first five calculators of a 20-tool expansion: seller net proceeds, buyer closing cost, DSCR loan, real estate commission, and Coast FIRE. Also added a plain-English what-this-means block and labeled cost-breakdown tables that run across the calculators.
Related: Seller net proceeds calculator , Buyer closing cost calculator , DSCR loan calculator , Real estate commission calculator , Coast FIRE calculator
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Mortgage borrowing power and 28/36 rule playbooks added
Published two mortgage guides: how much a lender will let you borrow versus what you can comfortably afford, and the 28/36 rule turned into real monthly dollars. Added four glossary terms: compensating factors, residual income, mortgage insurance, and pre-qualification.
Related: How much can I borrow for a mortgage , The 28/36 rule explained , Home affordability calculator
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Airbnb startup cost calculator added
Launched an itemized Airbnb startup-cost calculator that estimates your all-in cash to launch, and added a way to carry your numbers from one calculator into a related one without re-typing them.
Related: Airbnb startup cost calculator , The true cost of starting an Airbnb , Airbnb ROI calculator
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Airbnb startup cost and financing playbooks added
Published two short-term-rental operator guides: the true cost of starting an Airbnb, covering furnishing, setup, and the hidden expense stack, and how lenders treat short-term rental income. Added 25 short-term-rental glossary terms.
Related: The true cost of starting an Airbnb , How lenders treat short-term rentals , Finance glossary
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Home affordability playbooks added
Published two Mortgage and Home guides: the complete 2026 home-affordability methodology, and a companion on what you can buy at 75k, 100k, 150k, and 200k of income. Both cover full PITI, the 28/36 rule, and why the lender maximum is not your real budget.
Related: How much house can you afford in 2026 , House affordability by income , Home affordability calculator
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Correction: credit card minimum payment model
Corrected how the credit card payoff calculator models the minimum payment. It previously used a flat 2 percent of the balance, which overstated payoff time; it now uses the representative issuer method of 1 percent of the balance plus that month's interest, with a floor.
Related: The credit card minimum payment trap , Credit card payoff calculator , Methodology
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Airbnb charge-rate calculator added
Launched an Airbnb charge-rate calculator that builds a recommended nightly rate from your costs, target booked nights, and comparable market rates, with weekend, peak, weekly, and monthly variations, as the companion tool to the pricing playbook.
Related: Airbnb charge-rate calculator , How much should I charge for my Airbnb
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Three Airbnb playbooks: pricing, saturation, and returns
Published three Airbnb guides: how much to charge (a pricing playbook), whether Airbnb is still worth it in 2026 (the saturation question answered with data), and cash flow versus cash-on-cash return for operators.
Related: How much should I charge for my Airbnb , Is Airbnb still worth it in 2026 , Airbnb cash flow vs cash-on-cash return
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Trust pages and on-page freshness signals
Added public trust pages (how we verify, sources, editorial standards, corrections, this changelog) and surfaced last-reviewed dates and a tax-year note on year-stamped calculators.
Related: How we build and verify , Sources , Editorial standards , Corrections policy
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Finance glossary expanded to 53 terms
Grew the finance glossary from 16 to 53 plain-language terms, each with a definition, cited sources, and bidirectional links to the calculators that use it.
Related: Finance glossary , Methodology
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Social sharing added across every playbook
Added a shared, state-free social share row with copy-link to the top and bottom of every playbook, rendered from one component so new playbooks get it automatically.
Related: Playbooks