Every number in this volume that will change on its own — because a rate moves, an agency re-indexes a limit, or a survey is re-run — is listed below: 334 figures in nine groups, each with its value (matching the text wherever it appears there), its as-of date, the primary source, the sections that use it, and what will change it next. A few rows also record companion figures that the text does not print, such as other filing statuses. Figures fixed in law and not indexed (the AOTC income range, the Social Security benefit-tax thresholds) are mostly left out, and the few listed are reviewed each January or marked as changing only when the law does; worked-example assumptions such as a 7% return are labeled where they appear and are not listed. The register is the update plan for this volume, and a reader’s shortcut: if a figure here is past its review date, check the source before relying on it.
The update ritual follows the calendar the agencies keep:
- After each FOMC meeting (eight a year; next Oct 27–28 and Dec 8–9, 2026) — the fed funds range, the prime rate, and the savings and HELOC rates that follow them.
- Weekly and monthly — mortgage averages every Thursday; CPI, the FDIC national rates and the existing-home median each month.
- October — Social Security’s COLA, wage base and earnings-test limits; the IRS’s next-year tax brackets and plan, IRA and FSA limits (October–November); the KFF employer-premium survey; student loan origination fees (October 1).
- November–December — Medicare Part B premium, deductibles and IRMAA tiers; conforming and FHA loan limits; the I bond rate (November 1).
- January — new limits take effect; HHS publishes poverty guidelines. Re-verify every “2026” figure and relabel it.
- Spring — FTC (March) and FBI IC3 (April) fraud reports; SPIVA year-end (March); HSA and HDHP limits for the following year (usually May); the I bond rate (May 1); the Social Security Trustees Report.
- July 1 — federal student loan rates for the new award year, and any student-aid rule changes timed to the award year.
Interest rates, markets, and rules and surveys by Part
| Figure | Value in This Volume | As Of | Source | Section | Next Change or Review |
|---|---|---|---|---|---|
| Federal funds target range | 3.75%–4.00% | Sep 16, 2026 | Federal Reserve | 2.7 | Each FOMC meeting (next Oct 27–28 and Dec 8–9, 2026) |
| Prime rate | 7.00% | Oct 1, 2026 | Fed H.15 | 5.7 | Moves with the fed funds rate after each FOMC meeting |
| 30-year fixed mortgage average | 7.28% | Oct 1, 2026 | Freddie Mac PMMS | 5.2, 5.4 | Weekly (Thursdays) |
| 15-year fixed mortgage average | 6.60% | Oct 1, 2026 | Freddie Mac PMMS | 5.4 | Weekly (Thursdays) |
| FDIC national average savings rate | 0.37% | Sep 2026 (released Sep 21, 2026) | FDIC | 2.1, 2.7 | Monthly |
| Top online high-yield savings APY | about 4% | Early Sep 2026 | Published bank rate tables | 1.4, 2.7 | After each FOMC meeting |
| CPI-U inflation, 12 months | 3.4% | Aug 2026 (released Sep 11) | BLS | 2.7 | Monthly (next release Oct 14, 2026) |
| Credit-card APR, accounts assessed interest | 22.15% | Q2 2026 | Fed G.19 | 3.3 | Quarterly G.19 release |
| New-car loan, 60 months (banks) | 7.14% | Q2 2026 | Fed G.19 | 3.9 | Quarterly G.19 release |
| New-car loan, 72 months (banks) | 6.97% | Q2 2026 | Fed G.19 | 3.9 | Quarterly G.19 release |
| Personal loan, 24 months (banks) | 11.86% | Q2 2026 | Fed G.19 | 3.6 | Quarterly G.19 release |
| HELOC average | 7.29% | Sep 30, 2026 | Bankrate | 5.7 | Weekly |
| Home equity loan average (5-year) | 8.46% | Sep 30, 2026 | Bankrate | 5.7 | Weekly |
| 10-year Treasury yield | 5.24% | Oct 1, 2026 | FRED DGS10 | 7.2, 7.8 | Daily |
| 10-year TIPS real yield | 2.88% | Oct 1, 2026 | FRED DFII10 | 7.8 | Daily |
| 10-year breakeven inflation | 2.36% | Oct 1, 2026 | FRED T10YIE (DGS10 minus DFII10) | 7.8 | Daily |
| I bond composite rate (fixed 0.90%) | 4.26% | May 1–Oct 31, 2026 | TreasuryDirect | 7.8 | Nov 1 and May 1 |
| Active large-cap funds trailing the S&P 500 | 79% (2025) | Mar 2026 | S&P DJI SPIVA | 7.3 | Each March (year-end) and September (mid-year) |
| Active large-cap funds trailing, 20 years | 92.6% | Jun 30, 2026 | S&P DJI SPIVA | 7.3 | Each March and September |
| Safe starting withdrawal rate (Morningstar) | 3.9% | Dec 2025 | Morningstar | 10.2 | Each December |
| Median existing-home price | $429,100 | Aug 2026 | NAR | 5.2 | Monthly |
| Free weekly credit reports from all three bureaus (AnnualCreditReport.com) | Permanently extended | Oct 2026 | FTC | 3.2 | each January |
| FTC credit-report accuracy study (Dec 2012 report to Congress) | 26% potentially material error; 5.2% moved to a lower risk tier | Dec 2012 | FTC | 3.2 | each January (replace if FTC or CFPB publishes a newer study) |
| Automatic enrollment for new 401(k)/403(b) plans (IRC §414A) | 3%–10% initial, +1 point a year to at least 10% (max 15%) | Oct 2026 | Cornell LII | 1.5 | each January |
| Fannie Mae seller-credit (IPC) limit, principal residence, 75.01%–90% LTV | 6% (3% above 90%; 9% at or below 75%) | Oct 2026 | selling-guide.fanniemae.com | 5.3 | each January |
| Typical HELOC CLTV limit | 80% (some lenders 85%–90%) | Oct 2026 | bankrate.com | 5.7 | each January |
| Mortgage interest deduction limit (incl. home equity used to buy, build or improve) | $750,000 ($375,000 MFS); permanent under P.L. 119-21 | Oct 2026 | IRS | 5.7 | each January |
| Rate-lock lengths | Typically 30, 45 or 60 days | Oct 2026 | CFPB | 5.3 | each January |
| Average employer contribution to single health coverage (KFF EHBS) | $7,885 ($9,325 premium − $1,440 worker share), 2025 survey | Oct 2026 | kff.org | 6.1 | each October (new KFF survey) |
| Qualified transportation fringe (transit/commuter and parking) monthly exclusion | $340 each (2026) | Oct 2026 | IRS | 6.1 | each January |
| Group-term life exclusion | $50,000 of coverage | Oct 2026 | IRS | 6.1 | each January |
| Educational assistance / student-loan repayment exclusion (§127) | $5,250 a year (indexed for years after 2026) | Oct 2026 | Cornell LII | 6.1 | each January |
| ESPP annual purchase limit / maximum discount (§423) | $25,000 of stock (grant-date value); price ≥ 85% of FMV | Oct 2026 | Cornell LII | 6.1 | each January |
| Supplemental wage withholding rate | 22%; 37% above $1 million (2026) | Oct 2026 | IRS | 6.1 | each January |
| Involuntary cash-out limit / automatic IRA rollover floor | $7,000 / over $1,000 | Oct 2026 | Cornell LII | 6.7 | each January |
| IRA bankruptcy exemption cap (11 U.S.C. §522(n)) | $1,711,975 (cases filed on or after Apr 1, 2025) | Oct 2026 | Cornell LII | 6.7 | each April (next adjustment Apr 2028) |
| Net investment income tax thresholds | 3.8% above MAGI $200,000 single / $250,000 MFJ (not indexed) | Oct 2026 | IRS | 7.6, 11.1 | each January |
| J.P. Morgan ‘missing the best days’ (S&P 500, Jan 2, 2006–Dec 31, 2025) | $10,000 → $80,619 fully invested; $35,866 missing 10 best days; $21,177 missing 20 | Oct 2026 | am.jpmorgan.com | 7.7 | each January (new Guide to Retirement) |
| NFIP maximum coverage, residential building / contents | $250,000 / $100,000 | Oct 2026 | FloodSmart | 8.5 | each January |
| NFIP waiting period for a new policy | 30 days (no wait when bought with a new, increased, extended or renewed mortgage) | Oct 2026 | FloodSmart | 8.5 | each January |
| NAIC average homeowners (HO-3) premium | $1,569 (2022; +11.2% from 2021) | Oct 2026 | iii.org | 8.5 | each January |
| NAIC average renters (HO-4) premium | $171 (2022) | Oct 2026 | iii.org | 8.5 | each January |
| Hurricane/wind percentage deductibles | Typically 1%–5% of insured value | Oct 2026 | iii.org | 8.5 | each January |
| Texas minimum auto liability | 30/60/25 | Oct 2026 | tdi.texas.gov | 8.6 | each January |
| No-fault auto states | 12 states + Puerto Rico | Oct 2026 | iii.org | 8.6 | each January |
| Share of auto insurers using credit-based insurance scores where allowed (FICO estimate) | About 95% (homeowners 85%) | Oct 2026 | NAIC | 8.6 | each January |
| NAIC average auto insurance expenditure | $1,282 (2023; +14.0% from 2022) | Oct 2026 | iii.org | 8.6 | each January |
| Ordinary wage garnishment cap (CCPA) | Lesser of 25% of disposable earnings or excess over 30× federal minimum wage | Oct 2026 | DOL | 3.8, 8.6 | each January |
| Umbrella price, $1 million (III, undated) | $200–$300 / $200–$350 a year | Oct 2026 | iii.org | 8.7 | each January |
| Typical umbrella underlying liability requirement | At least $300,000 | Oct 2026 | iii.org | 8.7 | each January |
| Additional Child Tax Credit (refundable) maximum and formula | $1,700 per child; 15% of earned income above $2,500 | Oct 2026 | IRS | 9.4 | each January |
| Saver’s credit 2026 AGI tiers, single (50% / 20% / 10%) | $24,250 / $26,250 / $40,250 | Oct 2026 | IRS | 9.4 | each Oct–Nov |
| Saver’s credit 2026 AGI tiers, MFJ (50% / 20% / 10%) | $48,500 / $52,500 / $80,500 | Oct 2026 | IRS | 9.4 | each Oct–Nov |
| Clean-vehicle credit end date | Vehicles acquired after Sep 30, 2025 not eligible | Oct 2026 | IRS | 9.4 | each January |
| Residential clean energy / home improvement credits end date | Home improvement: property placed in service after Dec 31, 2025; residential clean energy: expenditures made after Dec 31, 2025 — not eligible | Oct 2026 | IRS | 9.4 | each January |
| Capital loss limit against ordinary income | $3,000 ($1,500 MFS) | Oct 2026 | IRS | 9.5 | each January |
| States with no individual income tax | 8 (AK, FL, NV, NH, SD, TN, TX, WY); Washington taxes capital gains only | Oct 2026 | Tax Foundation | 9.6 | each January |
| Flat-rate / graduated-rate income tax states | 15 / 26 + DC | Oct 2026 | Tax Foundation | 9.6 | each January |
| California top income tax rate | 13.3% | Oct 2026 | Tax Foundation | 9.6 | each January |
| New York statutory residency day test | 184 days or more plus a permanent place of abode | Oct 2026 | tax.ny.gov | 9.6 | each January |
| PBGC maximum monthly guarantee at 65, single-employer plan (straight-life / joint-and-50%) | $7,789.77 / $7,010.79 (2026) | Oct 2026 | PBGC | 10.4 | each January |
| IRS minimum present value segment rates (lump sums) | 4.65% / 5.75% / 6.73% (Aug 2026) | Oct 2026 | IRS | 10.4 | each January |
| Social Security Fairness Act — WEP/GPO repeal | Signed Jan 5, 2025; effective for benefits payable for Jan 2024 and later | Oct 2026 | SSA | 10.4 | each January |
| RMD starting age | 73 (born 1951–1959); 75 (born 1960 or later) | Oct 2026 | IRS | 10.6 | each January |
| Uniform Lifetime Table distribution periods | 73: 26.5; 74: 25.5; 75: 24.6; 80: 20.2 | Oct 2026 | IRS | 10.6 | each January |
| RMD excise tax | 25% of shortfall; 10% if corrected within two years | Oct 2026 | IRS | 10.6 | each January |
| Qualified charitable distribution annual limit | $111,000 (2026) | Oct 2026 | IRS | 10.6 | each January |
| Employer-plan special enrollment after marriage / marketplace SEP | At least 30 days / 60 days | Oct 2026 | ecfr.gov | 11.1 | each January |
| Community-property states | Nine: AZ, CA, ID, LA, NV, NM, TX, WA, WI | Oct 2026 | IRS | 11.1 | each January |
| Alimony tax treatment | Not deductible / not income for agreements executed after 2018 | Oct 2026 | IRS | 11.3 | each January |
| COBRA for a divorced spouse | Up to 36 months; notify plan within 60 days | Oct 2026 | DOL | 11.3 | each January |
| Medicare skilled nursing facility coinsurance, days 21–100 | $217 a day (2026) | Oct 2026 | Medicare.gov | 11.6 | each January |
| Qualifying-relative gross income limit | $5,300 (2026) | Oct 2026 | IRS | 11.6 | each January |
| Credit for other dependents | $500, nonrefundable | Oct 2026 | IRS | 11.6 | each January |
| Medical expense deduction floor | 7.5% of AGI | Oct 2026 | IRS | 11.6 | each January |
| FMLA leave | 12 workweeks in 12 months; employers with 50+ employees; 12 months and 1,250 hours of service | Oct 2026 | DOL | 11.6 | each January |
| Trust income-tax brackets (top 37% rate begins) | $16,000 (10% to $3,300; 24% to $11,700; 35% to $16,000) | Oct 2026 | IRS | 12.3 | each January |
| ABLE annual contribution limit | $19,000 (equals annual gift exclusion) plus working beneficiary’s pay up to the one-person poverty line | Oct 2026 | Cornell LII | 12.3 | each January |
| ABLE eligibility age of onset | before 46 (from 2026; previously 26) | Oct 2026 | Cornell LII | 12.3 | each January |
| SSI resource limit / ABLE SSI disregard | $2,000 / first $100,000 | Oct 2026 | ablenrc.org | 12.3 | each January |
| Kiddie-tax unearned-income threshold | $2,700 | Oct 2026 | IRS | 12.5 | each January |
| Charitable deduction for non-itemizers | $1,000 single / $2,000 joint, cash only, from 2026 | Oct 2026 | Cornell LII | 12.5 | each January |
| Itemizer charitable floor | 0.5% of AGI (contribution base), from 2026 | Oct 2026 | Cornell LII | 12.5 | each January |
| BJS identity theft survey (2021, pub. Oct 2023) | 9% of 16+; avg direct loss $3,430 new account vs $620 credit card; 12% out of pocket, median $100 | Oct 2026 | bjs.ojp.gov | 13.1 | when BJS publishes a new edition |
| FBI IC3 2025 losses by category | investment $8.6B; crypto-related $11.4B; tech support $2.1B; romance $929M | Oct 2026 | FBI IC3 | 13.2 | each April (new IC3 report) |
| Medicare Advantage in-network out-of-pocket limit | $9,250 (combined in- and out-of-network $13,900); enrollment-weighted average in-network $5,421 | Oct 2026 | kff.org | 10.9 | each October |
| Part B standard premium share of program cost; IRMAA shares | about 25%; 35%, 50%, 65%, 80%, 85% | Oct 2026 | govinfo.gov | 10.9 | each November |
| Share of Part B enrollees paying IRMAA | about 8% | Oct 2026 | CMS | 10.9 | each November |
| IRMAA for married filing separately (lived with spouse) | MAGI above $109,000: Part B $649.20, Part D +$83.30; $391,000 or more: $689.90, +$91.00 | Oct 2026 | SSA | 10.9 | each November |
| Part D late penalty example | 17 months × 1% × $38.99 = $6.63, rounded to $6.60 a month | Oct 2026 | Medicare.gov | 10.9 | each October |
| Medicare Advantage enrollment | 34.9 million, 55% of beneficiaries with Parts A and B (2025) | Oct 2026 | medpac.gov | 10.9 | each March |
| MA spending relative to FFS (MedPAC estimate) | about 14% more, $76 billion in 2026 | Oct 2026 | medpac.gov | 10.9 | each March |
| SSA actuarial life table death probabilities and survivors (65, 75, 85, 87) | e.g. man 65: q = 0.016455; survivors to 87: men 36.5%, women 48.3% of those alive at 65 | Oct 2026 | SSA | 10.10 | each year with the Trustees Report |
| Community spouse resource standard (min/max) | $32,532 / $162,660 (2026) | Oct 2026 | medicaid.gov | 10.10 | each January |
| Medicaid home equity limit (min/max) | $752,000 / $1,130,000 (2026) | Oct 2026 | medicaid.gov | 10.10 | each January |
| QLAC premium limit | $210,000 (2026) | Oct 2026 | IRS | 10.10 | each November |
| Eligible long-term care premium limits | $1,860 (51–60), $4,960 (61–70), $6,200 (over 70) for 2026 | Oct 2026 | IRS | 10.10 | each November |
| Guaranty association limits (most states) | $250,000 annuity present value; $300,000 long-term care benefits | Oct 2026 | nolhga.com | 10.10 | each January |
| IRS underpayment interest rate (individuals) | 7% a year, compounded daily (Q4 2026) | Oct 2026 | IRS | 11.5 | each quarter |
| Credit card APR, accounts assessed interest (Fed G.19) | 22.15% (Q2 2026) | Oct 2026 | Federal Reserve | 11.4 | each quarter |
| SHED emergency savings | 55% have 3 months’ emergency savings; 30% cannot cover 3 months by any means; 63% would cover $400 with cash (2025) | Oct 2026 | Federal Reserve | 11.4 | each May |
| Foreign gift/bequest reporting threshold (Form 3520) | $100,000 a year from foreign individuals or estates | Oct 2026 | IRS | 11.7 | each January |
| 30-year mortgage rate used in payoff example | 7.28% (Freddie Mac PMMS, Oct 1, 2026) | Oct 2026 | Freddie Mac | 11.7 | Weekly (Thursdays) |
| California statutory probate fee schedule (each of executor and attorney) | 4% of first $100,000; 3% next $100,000; 2% next $800,000; 1% next $9,000,000; 0.5% next $15,000,000 | Oct 2026 | leginfo.legislature.ca.gov | 12.3 | each January |
| California small-estate limit (Prob. Code § 13100, indexed under § 890) | $208,850 for deaths on or after Apr 1, 2025 (statute text shows $166,250 before indexing) | Oct 2026 | courts.ca.gov | 12.3 | each January |
| California primary-residence petition limit | $750,000 | Oct 2026 | leginfo.legislature.ca.gov | 12.3 | each January |
| California TOD deed law sunset | Jan 1, 2032 | Oct 2026 | leginfo.legislature.ca.gov | 12.3 | each January |
| States with revocation-on-divorce laws (per Sveen v. Melin) | 26 (2018) | Oct 2026 | Cornell LII | 12.1 | each January |
| Unified credit on 2026 exclusion | $5,945,800 | Oct 2026 | Cornell LII | 12.4 | each January |
| UK APP reimbursement cap | £85,000 per claim; optional £100 excess | Oct 2026 | psr.org.uk | 13.2 | each January |
| UK APP losses reimbursed, Oct 2024–Jun 2025 | 88% (66% a year earlier); claims about 126,000, down ~15% | Oct 2026 | psr.org.uk | 13.2 | each January |
| FTC business impersonation losses 2025 (bank impersonators the costliest) | nearly $1 billion | Oct 2026 | FTC | 13.2 | each January |
| BJS identity theft: prevalence; out-of-pocket share and mean; mean hours | 9%; 12%, $790; 4 hours (2021) | Oct 2026 | bjs.ojp.gov | 13.3 | each January |
| FCC SIM-swap rules compliance status | Adopted Nov 15, 2023; compliance postponed (DA 24-649, Jul 5, 2024); no compliance date published as of Oct 2026 | Oct 2026 | docs.fcc.gov | 13.4 | each January |
| FINRA Rule 2165 maximum hold | 55 business days (15 + 10 + 30); proposal SR-FINRA-2026-018 would allow 145 | Oct 2026 | federalregister.gov | 13.5 | each January |
| IC3 Recovery Asset Team 2025 | $679M frozen of $1.16B (58%); 60+: $32.9M of $65.4M | Oct 2026 | FBI IC3 | 13.5 | each January |
| Crypto ATM losses 2025 | $389M total; $257.5M by people 60+ | Oct 2026 | FBI IC3 | 13.5 | each January |
| Recovery scam losses 2025 | $1.4B; $540.5M by people 60+ | Oct 2026 | FBI IC3 | 13.5 | each January |
| FTC estimated 2024 fraud cost to older adults | $10.1B–$81.5B (reported $2.4B) | Oct 2026 | FTC | 13.5 | each January |
| FinCEN EFE reports Jun 2022–Jun 2023 | 155,415 reports, ~$27B | Oct 2026 | fincen.gov | 13.5 | each January |
| Fannie Mae maximum total debt-to-income ratio | 36% manual (up to 45% with credit score and reserves); 50% via DU | Oct 2026 | selling-guide.fanniemae.com | 14.3 | each January |
| HIPAA special enrollment request window after loss of coverage | at least 30 days | Oct 2026 | Cornell LII | 14.4 | each January |
| Widow(er)’s limit on survivor benefits | larger of deceased’s reduced benefit or 82.5% of PIA | Oct 2026 | SSA | 14.5 | each January |
| IRMAA tier-one cost, single (2026) | ($284.10 − $202.90) × 12 + $14.50 × 12 = $1,148.40 a year above $109,000 MAGI | Oct 2026 | CMS | 14.5 | each January |
| Median duration of unemployment (CPS) | 11.5 weeks (Sep 2026) | Oct 2026 | FRED | 1.4 | each January |
| Average duration of unemployment (CPS) | 26.3 weeks (Aug 2026) | Oct 2026 | FRED | 1.4 | each January |
| Adults who would cover a $400 emergency with cash or equivalent (Fed SHED 2025) | 63% | May 2026 | Federal Reserve | 1.4 | each May |
| Adults with emergency savings covering three months of expenses (Fed SHED 2025) | 55% | May 2026 | Federal Reserve | 1.4 | each May |
| Emergency personal expense distribution exception | Up to $1,000, once per calendar year | Oct 2026 | IRS | 1.4 | each January |
| Supplemental wage flat withholding rate | 22%; 37% above $1 million | Oct 2026 | IRS | 1.6 | each January |
| Additional Medicare Tax withholding threshold | 0.9% on wages above $200,000 | Oct 2026 | IRS | 1.6 | each January |
| Pub 15-T 2026 line 1g amount / single table 10% start | $8,600 / $7,500 | Oct 2026 | IRS | 1.6 | each January |
| Qualified overtime deduction cap and phase-out | $12,500 ($25,000 joint); phase-out above $150,000 ($300,000) MAGI; 2025–2028 | Oct 2026 | IRS | 1.6 | each January |
| Federal minimum wage (garnishment floor 30 × wage) | $7.25/hour; $217.50/week | Oct 2026 | DOL | 1.6 | each January |
| Household employee FICA cash wage threshold | $3,000 (2026) | Oct 2026 | IRS | 1.7 | each January |
| SAI asset rates (2027–28): student / parent conversion / parent contribution schedule | 20% / 12% / 22%–47% | Oct 2026 | fsapartners.ed.gov | 1.7 | each award year |
| Student loan interest deduction phase-out, single | $85,000–$100,000 MAGI (2026); max $2,500 | Oct 2026 | IRS | 1.8 | each January |
| Average credit card APR (Fed G.19, 2026 Q2) | 20.94% all accounts; 22.15% accounts assessed interest | Oct 2026 | Federal Reserve | 3.3 | each quarter |
| Freddie Mac 30-year fixed average | 7.28% (Oct 1, 2026) | Oct 2026 | Freddie Mac | 1.8 | Weekly (Thursdays) |
| Regulation CC next-day amount / large-deposit threshold | $275 / $6,725 (in force since Jul 1, 2025) | Oct 2026 | Cornell LII | 2.1 | each January |
| Average debit interchange fee, covered vs exempt issuers | 23¢ (0.47%) vs 51¢ (1.21%), 2024 data | Oct 2026 | Federal Reserve | 2.2 | each January |
| Nacha unauthorized consumer debit return window | 60 days | Oct 2026 | nacha.org | 2.3 | each January |
| Median overdraft fee, banks over $10B charging one | $35 (CFPB, Dec 2023) | Oct 2026 | CFPB | 2.4 | each January |
| Bank On National Account Standards | No overdraft/NSF fees; ≤$25 to open; ≤$5 monthly fee (≤$10 if waivable), 2025–2026 standards | Oct 2026 | joinbankon.org | 2.4 | each January |
| Bankrate checking fees (2025 survey) | Non-interest fee $5.47; interest checking fee $15.65 waived at $10,705, APY 0.07%; out-of-network ATM $4.86 | Oct 2026 | bankrate.com | 2.5 | each January |
| Deposit Insurance Fund balance / reserve ratio | $161.1 billion / 1.48% (Jun 30, 2026); insured deposits ≈ $10.9 trillion | Oct 2026 | FDIC | 2.6 | each quarter (QBP) |
| SIPC protection limit | $500,000 per customer, including $250,000 cash | Oct 2026 | sipc.org | 2.6 | each January |
| Deposit insurance reform bills (Main Street Depositor Protection Act) | Introduced Mar 25, 2026; no enactment found as of Oct 4, 2026 | Oct 2026 | hagerty.senate.gov | 2.6 | each January |
| Interest on reserve balances (IORB) | 3.90% from Sep 17, 2026 | Oct 2026 | Federal Reserve | 2.7 | after each FOMC meeting |
| FDIC national rates: interest checking / savings rate cap | 0.07% / 4.38% (Sep 21, 2026) | Oct 2026 | FDIC | 2.7 | monthly (3rd Monday) |
| Backup withholding rate | 24% | Oct 2026 | IRS | 2.7 | each January |
| Bank prime loan rate | 7.00% from Sep 17, 2026 (6.75% before) | Oct 2026 | Federal Reserve | 3.3 | each FOMC meeting |
| Average card APR margin (CFPB) | 14.3% (2023) | Oct 2026 | CFPB | 3.3 | each January |
| FICO rate-shopping window | 14–45 days; 30-day ignore period | Oct 2026 | myfico.com | 3.2 | each January |
| State medical-debt reporting limits and federal preemption | Several state laws; CFPB interpretive rule (Oct 28, 2025) says FCRA generally preempts them; W.D. Tex. held a Texas law preempted (Aug 2026) | Oct 2026 | federalregister.gov | 3.2 | each January |
| Personal-loan origination fees | Typically 1%–10% | Oct 2026 | nerdwallet.com | 3.6 | each January |
| PAL limits | PAL I $200–$1,000, 1–6 months, 1-month membership; PAL II up to $2,000, 1–12 months, no wait; 28% APR max; fee up to $20 | Oct 2026 | Cornell LII | 3.6 | each January |
| Military Lending Act cap | 36% MAPR | Oct 2026 | CFPB | 3.6 | each January |
| States with 36% payday caps (CRL count) | 21 + DC (Jul 2025) | Oct 2026 | responsiblelending.org | 3.6 | each January |
| Affirm pay-over-time APR range | 0%–36% | Oct 2026 | affirm.com | 3.6 | each January |
| High-yield savings rate used for deposit opportunity cost | About 4% (early Sep 2026) | Oct 2026 | FDIC | 3.7 | each FOMC meeting |
| Bankruptcy court fees | $338 Ch. 7 / $313 Ch. 13 (eff. Dec 1, 2023) | Oct 2026 | uscourts.gov | 3.8 | each January |
| Means-test one-earner medians (TX, FL, CA, WA) | $66,837 / $69,876 / $79,253 / $88,585 (cases filed on or after Jul 15, 2026) | Oct 2026 | justice.gov | 3.8 | each January |
| Chapter 13 debt limits | $526,700 unsecured / $1,580,125 secured (since Apr 1, 2025) | Oct 2026 | public-inspection.federalregister.gov | 3.8 | each January |
| Federal minimum-wage garnishment floor | $217.50 a week (30 × $7.25) | Oct 2026 | DOL | 3.8 | each January |
| Auto loan balances outstanding (U.S.) | $1.71 trillion (Q2 2026) | Oct 2026 | newyorkfed.org | 3.9 | each quarter |
| Student loan balances outstanding (U.S., credit-bureau data) | $1.65 trillion (Q2 2026) | Oct 2026 | newyorkfed.org | 3.9 | each quarter |
| Share of auto loans with negative equity, 2018–2022 | 11.6%; mean $5,073 new / $3,284 used; LTV 119.3% | Oct 2026 | CFPB | 3.9 | when CFPB updates |
| Auto-loan inquiry deduplication window | 14 to 45 days | Oct 2026 | CFPB | 3.9 | each January |
| Federal student loan portfolio | 42.3 million borrowers, $1.7 trillion; ~13 million on IDR; ~9.3 million in default ($234B) (Jun 30, 2026) | Oct 2026 | fsapartners.ed.gov | 4.2 | each quarter |
| Direct Loan rate add-ons and caps | +2.05 / +3.60 / +4.60 points; caps 8.25% / 9.50% / 10.50% | Oct 2026 | Cornell LII | 4.1 | when law changes |
| Dependent undergraduate first-year loan limit | $5,500 (max $3,500 subsidized); independent $9,500 | Oct 2026 | fsapartners.ed.gov | 4.1 | each July |
| Administrative wage garnishment cap | 15% of disposable pay | Oct 2026 | Cornell LII | 4.3 | when law changes |
| 30-day average SOFR | 3.76% (Oct 2, 2026) | Oct 2026 | newyorkfed.org | 4.5 | each review |
| Example lender refinance APR ranges (SoFi) | Fixed 4.49%–10.99%; variable 5.74%–10.99%; variable cap 13.95% (Sep 23, 2026) | Oct 2026 | credible.com | 4.5 | each review |
| SAI parent contribution rates and asset conversion | 22%–47%; 12% asset conversion; student assets 20%; IPA $30,300 (family of 2); SAI floor −1,500 (2027–28) | Oct 2026 | fsapartners.ed.gov | 4.6 | each award year |
| FAFSA federal deadline | June 30 at end of award year (June 30, 2027, for 2026–27) | Oct 2026 | usa.gov | 4.6 | each award year |
| 30-day average SOFR (ARM index) | 3.76% (Oct 2, 2026) | Oct 2026 | newyorkfed.org | 5.4 | after each FOMC meeting |
| Freddie Mac SOFR ARM margin range | 1%–3% (100–300 basis points); 3/6, 5/6, 7/6, 10/6 products | Oct 2026 | Freddie Mac | 5.4 | each January |
| Fannie Mae waiting periods after bankruptcy/foreclosure | Ch. 7: 4 years (2 with extenuating circumstances); Ch. 13: 2 years from discharge; foreclosure: 7 years | Oct 2026 | selling-guide.fanniemae.com | 5.2 | each January |
| Fannie Mae student-loan payment for deferred or forbearance loans when none reported | 1% of balance or fully amortizing payment; documented $0 income-driven payment allowed | Oct 2026 | selling-guide.fanniemae.com | 5.2 | each January |
| Home-sale gain exclusion | $250,000 single / $500,000 MFJ; 2-of-5-year test; partial exclusion = months ÷ 24 | Oct 2026 | IRS | 5.2 | each January |
| Prepayment penalty caps (qualified mortgages) | 2% years 1–2, 1% year 3, none after | Oct 2026 | Cornell LII | 5.6 | each January |
| Median net worth, homeowners vs renters (SCF 2022) | $396,200 vs $10,400 | Oct 2026 | Federal Reserve | 5.1 | when the 2025 SCF is published |
| Mortgage rate offer dispersion (Freddie Mac 2018, PMMS 1995–2017) | Standard deviation of same-week offers typically 0.15–0.25 point; one extra quote ≈ $1,500 saved on a $250,000 loan | Oct 2026 | Freddie Mac | 5.3 | each January |
| HELOC significant-decline threshold | Always significant once the gap between credit limit and available equity is reduced by 50%; smaller declines may qualify | Oct 2026 | CFPB | 5.7 | each January |
| Highly compensated employee threshold (IRC §414(q)) | $160,000 | Oct 2026 | IRS | 6.5 | each November (new IRS notice) |
| Annual compensation limit (IRC §401(a)(17)) | $360,000 | Oct 2026 | IRS | 6.8 | each November (new IRS notice) |
| SEP minimum pay for eligibility (IRC §408(k)(2)(C)) | $800 | Oct 2026 | IRS | 6.8 | each November (new IRS notice) |
| QBI deduction threshold, single (IRC §199A(e)(2)), 2026 | $201,750 (MFJ $403,500) | Oct 2026 | IRS | 6.8 | each January |
| Vanguard How America Saves 2026: plans with automatic enrollment; participation auto vs voluntary; average/median promised match | 61%; 94% vs 64%; 4.7% / 4.0% of pay (2025 data) | Jun 2026 | workplace.vanguard.com | 6.5 | each June (new edition) |
| Vanguard How America Saves 2026: plans vesting match immediately; plans with 5- or 6-year graded match vesting | 49%; 22% (2025 data) | Jun 2026 | workplace.vanguard.com | 6.7 | each June (new edition) |
| Vanguard How America Saves 2026: leavers taking cash lump sum; assets preserved; plans with automatic portability | 28%; 94%; 7% (2025 data) | Jun 2026 | workplace.vanguard.com | 6.7 | each June (new edition) |
| IRS SOI tax year 2023: returns claiming self-employed SEP/SIMPLE/qualified plan deduction; amount; returns claiming deductible part of SE tax | 946,019; $30.1 billion; 21,853,593 (≈4.3%) | Jun 2026 | IRS | 6.8 | each June (new SOI line-item estimates) |
| Form 5500-EZ late-filing penalty; relief-program fee | $250/day up to $150,000; $500 per return up to $1,500 per plan | Oct 2026 | IRS | 6.8 | each January |
| Proposed forfeiture-use deadline (REG-122286-18) | Within 12 months after the close of the plan year (proposed, Feb 2023) | Oct 2026 | govinfo.gov | 6.7 | each January (check whether finalized) |
| Investor return gap, U.S. funds and ETFs, 10 years to Dec 31, 2025 | 1.2 points a year (8.7% investor vs 9.9% total); allocation funds 0.7 | Oct 2026 | morningstar.com | 7.7 | each August |
| Spot bitcoin ETF investor return vs total return, Jan 2024–Jun 30, 2026 | about −5.8% vs 8.5% a year (gap >14 points) | Oct 2026 | morningstar.com | 7.8 | each August |
| Lump sum vs 3-month cost averaging, global stocks 1976–2022 | lump sum ahead 68%; cost averaging ahead of cash 69% | Oct 2026 | corporate.vanguard.com | 7.5 | if Vanguard updates the study |
| Vanguard plan participants with over 20% in company stock | 2% (2025) | Oct 2026 | workplace.vanguard.com | 7.6 | each June |
| Target-date share of QDIAs; single-TDF participants; trading rates (Vanguard plans) | 98%; 61%; 1% of single-TDF holders vs 5% of self-directed traded (2025) | Oct 2026 | workplace.vanguard.com | 7.8 | each June |
| Target-date assets; asset-weighted TDF mutual fund expense ratio; median glide-path equity gap (most vs least aggressive series) | $4.8 trillion; 0.27% (0.55% in 2015); 34 points (49 in 2015), year-end 2025 | Oct 2026 | morningstar.com | 7.8 | each March |
| 5-year TIPS real yield / 5-year Treasury / 5-year break-even | 2.65% / 5.01% / 2.36% (Oct 1, 2026) | Oct 2026 | Federal Reserve | 7.8 | at each revision |
| Composite rate on I bonds with 0.00% fixed rate (issued May 2020–Oct 2022) | 3.34% for six months from May 2026 | Oct 2026 | TreasuryDirect | 7.8 | each May 1 and Nov 1 |
| I bond purchase limit per SSN or EIN | $10,000 electronic per calendar year; gifts count to recipient | Oct 2026 | TreasuryDirect | 7.8 | each January |
| Crypto and the wash-sale rule | 26 U.S.C. §1091 covers stock or securities; no extension to digital assets enacted | Oct 2026 | Cornell LII | 7.8 | each January |
| SEC vs state adviser registration threshold | more than $100 million regulatory AUM registers with the SEC | Oct 2026 | investor.gov | 7.9 | each January |
| States adopting NAIC annuity best-interest model (#275, 2020 revision) | 48 (as of Feb 10, 2025) | Oct 2026 | NAIC | 7.9 | each January |
| SIPC coverage limit | $500,000 per customer, including $250,000 cash | Oct 2026 | sipc.org | 7.9 | each January |
| FINRA 12b-1 caps | service fee 0.25%; asset-based sales charge 0.75% a year | Oct 2026 | finra.org | 7.9 | each January |
| Robo-adviser published fees (examples) | Vanguard Digital Advisor about 0.15%–0.20% (all-index); Betterment 0.25% or $5/month | Oct 2026 | betterment.com | 7.9 | each January |
| DOL 2024 Retirement Security Rule status | never took effect; appeal dismissed Nov 28, 2025; vacated by district-court final judgments Mar 12 and 17, 2026; 1975 five-part test restored (FR notice Mar 20, 2026, effective Apr 20, 2026) | Oct 2026 | federalregister.gov | 7.9 | each quarter |
| Median adviser AUM fee up to $1 million (survey) | 1%; median all-in 1.65% (2017 survey) | Oct 2026 | kitces.com | 7.9 | replace when a newer survey is verified |
| ACA minimum medical loss ratio | 85% large group; 80% individual and small group | Oct 2026 | Cornell LII | 8.1 | each January |
| COBRA maximum premium and duration | 102% of plan cost; 18 months (36 months after divorce/death); 60 days to elect | Oct 2026 | DOL | 8.2 | each January |
| Special enrollment windows | Employer plan 30 days (HIPAA); Marketplace 60 days before or after loss of coverage | Oct 2026 | healthcare.gov | 8.2 | each January |
| SSDI substantial gainful activity, 2026 | $1,690/month non-blind; $2,830/month blind | Oct 2026 | SSA | 8.4 | each January |
| SSDI waiting period | Five months; first benefit for sixth full month | Oct 2026 | SSA | 8.4 | each January |
| Homeowners claim frequency and severity (ISO, 2023) | 5.3% of insured homes had a claim; average claim $20,062 | Oct 2026 | iii.org | 8.5 | each January |
| NAIC TNC model bill liability minimums | 50/100/25 while app on (Period 1); $1 million Periods 2–3 | Oct 2026 | NAIC | 8.6 | each January |
| IRS underpayment interest rate, Q4 2026 | 7% a year for Oct–Dec 2026 (6% Apr–Jun, 7% Jul–Sep); simple interest for the estimated-tax penalty | Oct 2026 | IRS | 9.3 | each quarter |
| Average federal refund, 2026 filing season (through May 1) | $3,273 (2025: $2,947) | Oct 2026 | IRS | 1.6, 9.3 | each May |
| Dependent standard deduction, 2026 | Greater of $1,350 or earned income + $450 | Oct 2026 | IRS | 9.2 | each January |
| Kiddie tax threshold, 2026 | Unearned income above $2,700 (2 × $1,350) | Oct 2026 | IRS | 9.2 | each January |
| Maximum earned income credit, 2026 (two children) | $7,316 (earned income amount $18,290; phase-out from $23,890 non-joint, $31,160 joint) | Oct 2026 | IRS | 9.4 | each January |
| EITC non-claim rate | About one in five eligible taxpayers do not claim | Oct 2026 | IRS | 9.4 | each January |
| Unclaimed 2022 refunds | $1.2 billion; median $686; 1.3 million people; three-year window | Oct 2026 | IRS | 9.4 | each January |
| PIA bend points (first eligible 2026) | $1,286 and $7,749; 90%/32%/15% | Oct 2026 | SSA | 10.3 | each October (next year’s bend points) |
| Illustrative PIA for 35 years at $75,000 (wage-indexed) | $2,745.80 a month | Oct 2026 | SSA | 10.3 | each October |
| Share of men’s new retired-worker awards at age 62 (2024) | 22.0% | Oct 2026 | SSA | 10.3 | each year when the Annual Statistical Supplement is released |
| SSA period life table survivors and life expectancy (2023 table, 2026 Trustees Report) | Men at 65: 18.12 yrs, 8.0% reach 95; women: 20.66 yrs, 14.4% reach 95; at 62 reaching 80: 61.5% men, 72.0% women; reaching 85: 43.0% / 55.1% | Oct 2026 | SSA | 10.3, 10.7, 10.8 | each year with the Trustees Report |
| Uniform Lifetime Table periods and Single Life Table at 73 | 26.5 at 73, 16.0 at 85, 12.2 at 90, 6.4 at 100; single life at 73: 16.4 | Oct 2026 | Cornell LII | 10.6 | each January |
| Additional standard deduction, age 65 or blind (2026) | $2,050 unmarried; $1,650 married | Oct 2026 | IRS | 10.6, 10.8 | each January |
| Senior deduction | $6,000 per person 65+, 2025–2028, reduced by 6% of MAGI above $75,000 ($150,000 joint) | Oct 2026 | Cornell LII | 10.8 | each January (expires after 2028) |
| Form W-4V withholding rates on Social Security | 7%, 10%, 12% or 22% | Oct 2026 | IRS | 10.8 | each January |
| Survivor benefit at 60 / child benefit / family maximum / lump-sum death payment | about 71%–99% before FRA; 75%; about 150%–180%; $255 | Oct 2026 | SSA | 10.8 | each January |
| Share of beneficiary families owing tax on benefits (projection) | 52% in 2015; about 56% average 2015–2050 | Oct 2026 (paper Dec 2015) | SSA | 10.8 | when SSA publishes an update |
| Correlation of first-decade real returns with safe withdrawal rate (U.S. history) | 0.79 (peak 0.81 at nine years) | Oct 2026 (analysis Oct 2014) | kitces.com | 10.7 | static (historical) |
Federal tax figures (2026 tax year)
| Figure | Value in This Volume | As Of | Source | Section | Next Change or Review |
|---|---|---|---|---|---|
| Standard deduction, single | $16,100 | Tax year 2026 | IRS Rev. Proc. 2025-32 | 1.6, 9.1, 9.2 | IRS announcement each Oct–Nov for the next year |
| Standard deduction, married filing jointly | $32,200 | Tax year 2026 | IRS Rev. Proc. 2025-32 | 9.2 | Each Oct–Nov |
| Standard deduction, head of household | $24,150 | Tax year 2026 | IRS Rev. Proc. 2025-32 | 9.2, 11.2 | Each Oct–Nov |
| Top of 10% bracket, single | $12,400 | Tax year 2026 | IRS Rev. Proc. 2025-32 | 9.1 | Each Oct–Nov |
| Top of 12% bracket, single | $50,400 | Tax year 2026 | IRS Rev. Proc. 2025-32 | 1.6, 9.1 | Each Oct–Nov |
| 0% long-term capital gains rate, single, up to | $49,450 | Tax year 2026 | IRS Rev. Proc. 2025-32 | 7.6 | Each Oct–Nov |
| SALT cap | $40,400 | Tax year 2026 | 26 U.S.C. §164 | 9.2, 9.6 | Rises 1% a year to 2029; $10,000 from 2030 |
| SALT cap phase-down threshold (MAGI) | $505,000 | Tax year 2026 | 26 U.S.C. §164 | 9.2, 9.6 | Rises 1% a year to 2029 |
| Child Tax Credit per child | $2,200 | Tax year 2026 | IRS Rev. Proc. 2025-32 | 9.2, 11.2 | Indexed; each Oct–Nov |
| Refundable part of Child Tax Credit | $1,700 | Tax year 2026 | IRS Rev. Proc. 2025-32 | 9.2, 11.2 | Each Oct–Nov |
| Senior deduction (65+) | $6,000 | 2025–2028 | IRS | 9.2, 10.8 | Expires after 2028 unless extended |
| Saver’s credit AGI limit, single | $40,250 | Tax year 2026 | IRS | 9.1 | Each Oct–Nov |
| Student loan interest deduction phase-out starts | $85,000 | Tax year 2026 | IRS Rev. Proc. 2025-32 | 4.6 | Each Oct–Nov |
| Dependent’s minimum standard deduction | $1,350 | Tax year 2026 | IRS Rev. Proc. 2025-32 | 1.7 | Each Oct–Nov |
| Estate tax basic exclusion | $15,000,000 | 2026 | IRS Rev. Proc. 2025-32 | 12.4 | Indexed from 2027; each Oct–Nov |
| Annual gift exclusion | $19,000 | 2026 | IRS Rev. Proc. 2025-32 | 12.4 | Each Oct–Nov |
| Federal poverty level, one person (for 2026 coverage) | $15,650 | 2025 guidelines | HealthCare.gov | 8.2, 9.1 | HHS guidelines each January |
| 400% of poverty level, one person | $62,600 | 2026 coverage year | HealthCare.gov | 8.2, 9.1 | Each January; and if Congress restores enhanced credits |
Retirement plan limits (2026)
| Figure | Value in This Volume | As Of | Source | Section | Next Change or Review |
|---|---|---|---|---|---|
| 401(k)/403(b)/457 employee deferral | $24,500 | 2026 | IRS IR-2025-111 | 1.8, 6.2, 6.8 | IRS announcement each Oct–Nov |
| Catch-up, age 50+ | $8,000 | 2026 | IRS IR-2025-111 | 6.2 | Each Oct–Nov |
| Catch-up, ages 60–63 | $11,250 | 2026 | IRS IR-2025-111 | 6.2 | Each Oct–Nov |
| Total employee + employer limit | $72,000 | 2026 | IRS | 6.2, 6.8 | Each Oct–Nov |
| IRA contribution limit | $7,500 | 2026 | IRS IR-2025-111 | 1.7, 1.8, 6.4 | Each Oct–Nov |
| IRA catch-up, age 50+ | $1,100 | 2026 | IRS IR-2025-111 | 6.4 | Each Oct–Nov |
| Roth IRA phase-out starts, single | $153,000 | 2026 | IRS IR-2025-111 | 1.8, 6.4 | Each Oct–Nov |
| Roth IRA phase-out starts, joint | $242,000 | 2026 | IRS IR-2025-111 | 6.4 | Each Oct–Nov |
| Traditional IRA deduction phase-out starts, single (covered) | $81,000 | 2026 | IRS IR-2025-111 | 1.8, 6.4 | Each Oct–Nov |
| SIMPLE IRA deferral | $17,000 ($18,100 at employers with 25 or fewer employees) | 2026 | IRS IR-2025-111 | 6.8 | Each Oct–Nov |
| Roth catch-up wage threshold | $150,000 | 2026 (2025 wages) | IRS | 6.2 | Indexed; each Oct–Nov |
| SEP eligibility pay threshold | $800 | 2026 | IRS | 6.8 | Each Oct–Nov |
Health accounts and coverage (2026)
| Figure | Value in This Volume | As Of | Source | Section | Next Change or Review |
|---|---|---|---|---|---|
| HSA limit, self-only | $4,400 | 2026 | IRS Rev. Proc. 2025-19 | 1.8, 6.6, 8.2 | IRS announcement each spring (usually May) |
| HSA limit, family | $8,750 | 2026 | IRS Rev. Proc. 2025-19 | 6.6 | Each spring |
| HDHP minimum deductible, self-only | $1,700 | 2026 | IRS Rev. Proc. 2025-19 | 6.6, 8.2 | Each spring |
| HDHP out-of-pocket maximum, self-only | $8,500 | 2026 | IRS Rev. Proc. 2025-19 | 1.4, 6.6, 8.2 | Each spring |
| Health FSA limit | $3,400 | 2026 | IRS IR-2025-103 | 6.6 | IRS announcement each Oct–Nov |
| Health FSA carryover | $680 | 2026 | IRS IR-2025-103 | 6.6 | Each Oct–Nov |
| Dependent-care FSA, per household | $7,500 | 2026 | IRS Pub. 15-B | 6.6, 11.2 | Fixed by law; changes only by legislation |
| ACA out-of-pocket maximum, self-only | $10,600 | 2026 | HealthCare.gov | 8.2 | Annual HHS notice (usually spring) |
| Average total premium for employer coverage, single | $9,325 | 2025 survey | KFF | 8.2, 10.9 | KFF survey each October |
| Average total premium for employer coverage, family | $26,993 | 2025 survey | KFF | 8.2 | KFF survey each October |
| COBRA estimate at the average single premium | about $793 a month | 2025 survey | KFF | 10.9, 11.4 | With the KFF survey each October |
Social Security and Medicare (2026)
| Figure | Value in This Volume | As Of | Source | Section | Next Change or Review |
|---|---|---|---|---|---|
| Cost-of-living adjustment | 2.8% | For 2026 | SSA | 10.3 | SSA announcement each October (with September CPI) |
| Social Security wage base | $184,500 | 2026 | SSA | 1.6, 6.8 | Each October |
| Earnings-test limit, under FRA all year | $24,480 | 2026 | SSA | 10.3, 10.8 | Each October |
| Earnings-test limit, year reaching FRA | $65,160 | 2026 | SSA | 10.3, 10.8 | Each October |
| Maximum benefit at full retirement age | about $4,152 a month | 2026 | SSA | 10.3 | Each October |
| Average retirement benefit | $2,071 a month | 2026 | SSA | 10.3 | Each October |
| OASI trust fund depletion year | 2032 | 2026 Trustees Report | SSA Trustees Report | 10.3 | Each Trustees Report (usually spring–summer) |
| Medicare Part B standard premium | $202.90 a month | 2026 | CMS | 10.9 | CMS announcement each fall (usually Nov) |
| Medicare Part B deductible | $283 | 2026 | CMS | 10.9 | Each fall |
| Medicare Part A inpatient deductible | $1,736 | 2026 | CMS | 10.9 | Each fall |
| IRMAA threshold, single (2024 MAGI) | $109,000 | 2026 | CMS | 9.1, 10.9 | Each fall |
| IRMAA threshold, joint (2024 MAGI) | $218,000 | 2026 | CMS | 10.9 | Each fall |
| Part D out-of-pocket cap | $2,100 | 2026 | CMS | 10.9 | CMS each spring for the following year |
| Part D national base premium | $38.99 | 2026 | Medicare.gov | 10.9 | CMS each summer |
| Nursing home, private room, national median | $129,575 a year | 2025 survey | Genworth CareScout | 10.10 | CareScout survey each spring |
Student aid and student loans
| Figure | Value in This Volume | As Of | Source | Section | Next Change or Review |
|---|---|---|---|---|---|
| Undergraduate Direct Loan rate | 6.52% | Loans first disbursed Jul 1, 2026–Jun 30, 2027 | FSA | 1.8, 4.1 | July 1 each year (set from the May 10-year Treasury auction) |
| Graduate Direct Unsubsidized rate | 8.07% | 2026–27 | FSA | 4.1 | July 1 each year |
| PLUS loan rate | 9.07% | 2026–27 | FSA | 4.1, 4.5 | July 1 each year |
| Direct Loan origination fee | 1.057% | Oct 1, 2026–Sep 30, 2027 | FSA | 4.1 | October 1 each year (sequestration) |
| PLUS origination fee | 4.228% | Oct 1, 2026–Sep 30, 2027 | FSA | 4.1 | October 1 each year |
| Pell Grant maximum | $7,395 | 2026–27 | FSA | 4.6 | Each award year (announced in winter) |
| Pell Grant minimum | $740 | 2026–27 | FSA | 4.6 | Each award year |
| SAI at which Pell is lost (2 × maximum) | $14,790 | 2026–27 | FSA | 4.6 | Moves with the Pell maximum |
| FAFSA opening date (2027–28) | September 23, 2026 | 2027–28 cycle | FSA | 1.7, 4.6 | Each fall |
| Deadline to leave SAVE, PAYE and ICR | July 1, 2028 | Law as of Oct 2026 | Federal Register | 4.2, 4.3 | On new regulations or court rulings |
| Graduate annual borrowing cap | $20,500 | From Jul 1, 2026 | Federal Register | 4.2 | Fixed by law; changes only by legislation |
| Parent PLUS aggregate cap per student | $65,000 | From Jul 1, 2026 | Federal Register | 4.2 | Fixed by law |
| Trump account annual contribution limit | $5,000 | 2026 | IRS | 1.7, 4.6, 11.2 | Indexed from 2028; watch IRS final regulations |
Housing and banking
| Figure | Value in This Volume | As Of | Source | Section | Next Change or Review |
|---|---|---|---|---|---|
| Conforming loan limit (baseline) | $832,750 | 2026 | FHFA | 5.4 | FHFA announcement each late November |
| High-cost area ceiling | $1,249,125 | 2026 | FHFA | 5.4 | Each late November |
| FHA loan limit floor | $541,287 | 2026 | HUD | 5.4 | HUD announcement each December |
| FHA annual mortgage insurance premium | 0.50%–0.55% | Since Mar 2023 | HUD | 5.4 | On a HUD mortgagee letter |
| PMI cost per $100,000 borrowed | $30–$70 a month | 2026 | Freddie Mac | 5.5 | Review annually |
| Deposit insurance limit | $250,000 | Since 2010 (by law) | FDIC | 2.6 | Changes only by legislation |
| FedNow participating institutions | 1,919 | Sep 28, 2026 | Fed Financial Services | 2.3 | List updated continuously |
| RTP network participants | about 1,380 | Sep 2026 | The Clearing House | 2.3 | Quarterly |
| Credit-invisible share of adults | 2.7% | Dec 2020 data (published Jun 2025) | CFPB | 3.7 | When the CFPB publishes a new estimate |
| Chapter 7 / Chapter 13 court fees | $338 / $313 | Effective Dec 1, 2023 | U.S. Courts | 3.8 | When the Judicial Conference changes fees |
| Garnishment floor (30 × federal minimum wage) | $217.50 a week | 2026 | U.S. Dept. of Labor | 3.8 | If the federal minimum wage changes |
Fraud statistics
| Figure | Value in This Volume | As Of | Source | Section | Next Change or Review |
|---|---|---|---|---|---|
| FTC reported fraud losses | $15.9 billion | 2025 (published Mar 2026) | FTC | 13.1 | Each March |
| FTC losses, adults 50+ | $4.3 billion | 2025 | FTC | 13.1 | Each March |
| FBI IC3 reported losses | $20.9 billion | 2025 (published Apr 2026) | FBI IC3 | 7.8, 13.1 | Each April |
| IC3 losses, people 60+ | $7.7 billion | 2025 | FBI IC3 | 13.5 | Each April |
| IC3 complaints, people 60+ | 201,266 | 2025 | FBI IC3 | 13.5 | Each April |
| IC3 crypto-related losses | $11.4 billion | 2025 | FBI IC3 | 7.8 | Each April |
| IC3 investment-scam losses | $8.6 billion | 2025 | FBI IC3 | 7.9 | Each April |
| Investment-scam losses, people 60+ | $3.52 billion | 2025 | FBI IC3 | 13.5 | Each April |
India Lens figures
| Figure | Value in This Volume | As Of | Source | Section | Next Change or Review |
|---|---|---|---|---|---|
| DICGC deposit insurance | ₹5 lakh | Since Feb 4, 2020 | DICGC | Part 2 India Lens | If DICGC notifies an increase |
| RBI repo rate | 5.25% | Aug 2026 policy | RBI | Part 5 India Lens | Each MPC meeting (next decision Oct 7, 2026) |
| PPF rate | 7.1% | Oct–Dec 2026 | India Post | Part 6 India Lens | Quarterly (announced end of each quarter) |
| SCSS and Sukanya Samriddhi rate | 8.2% | Oct–Dec 2026 | India Post | Parts 4, 10 India Lens | Quarterly |
| EPF interest rate | 8.25% | FY2025-26 | EPFO (epfindia.gov.in) | Part 6 India Lens | Each year (usually spring) |
| EPF wage ceiling (approved) | ₹25,000 | Approved Sep 16, 2026 | EPFO (epfindia.gov.in) | Part 1 India Lens | On EPFO’s notified effective date |
| New-regime zero-tax income (rebate) | ₹12 lakh | Tax year 2026-27 | Income-tax Dept. (incometaxindia.gov.in) | Part 9 India Lens | Union Budget each Feb 1 |
| Equity LTCG rate above ₹1.25 lakh | 12.5% | Since Jul 23, 2024 | Income-tax Dept. (incometaxindia.gov.in) | Part 7 India Lens | Union Budget each Feb 1 |
Register compiled Oct 4, 2026 from the dated figures in Parts 1–14 and their source notes; every value above was checked against its cited source, and against the text of this volume wherever the text prints it; a few rows also record companion figures that the text does not print, such as the married-filing-separately IRMAA tiers. Sources marked with a regulator’s name but no link (EPFO, India’s Income-tax Department) are cited by name because their sites block automated link checks.
Money Move
Use the same calendar for your own money. The October and January rows are the ones that change household decisions: new contribution limits (raise the 401(k), IRA and HSA amounts in January), new Medicare premiums (check IRMAA before year-end income moves), and new tax brackets (re-check Form W-4). Ten minutes against this table each January keeps every plan in this volume current.