NumbersLab builds free, data-driven financial calculators and comparison tools that help people make smarter money decisions. We pull real market data from authoritative sources — IRS tax brackets and revenue procedures, Zillow ZHVI and ZORI indices for real estate, NAIC insurance data, Bureau of Labor Statistics salary figures, and Bureau of Economic Analysis cost-of-living metrics — and turn that raw data into instant, actionable answers.
Our portfolio spans four specialized sites, each focused on a different financial decision: TakeHomeTax for salary and tax analysis, CapRateCity for rental property investment, MortgageMathLab for home buying and mortgage math, and InsuranceCostCity for homeowner insurance costs. Together, they cover the full financial picture of earning, buying, insuring, and investing in property across every US market. We also publish The Numbers Letter, a weekly newsletter breaking down the real math behind money decisions, and produce video content on our YouTube channel.
Every tool we build follows the same principle: source the best available public data, compute accurate results client-side (your data never leaves your browser), and present the numbers with clear context so you can actually use them. No accounts, no paywalls, no selling your data. We believe financial literacy should be free, instant, and backed by real numbers — not guesswork.
Visual breakdowns of tax concepts, salary comparisons, and financial planning strategies. New videos covering topics like "What $100K really looks like in every state" and "The states saving you the most on taxes."
Watch on YouTube →Four specialized sites, each powered by real market data:
Our calculations use the latest IRS data for federal tax brackets, standard deductions, Social Security wage bases, and Medicare thresholds. We support both 2025 and 2026 tax years.
Federal tax brackets are sourced from IRS Revenue Procedure 2025-11 (for 2026) and Rev. Proc. 2024-40 (for 2025). These include all seven brackets from 10% to 37% for both single and married filing jointly statuses.
State tax rates are updated annually based on data from the Tax Foundation, state department of revenue websites, and legislative updates. We track rate changes for all 50 states including 2026 reductions in Indiana, Kentucky, Louisiana, Mississippi, Missouri, Montana, Nebraska, North Carolina, North Dakota, Ohio, Oklahoma, South Carolina, Utah, and West Virginia.
City and local taxes are sourced from municipal tax authorities for 46 cities across 11 states, including NYC's graduated brackets, Philadelphia's wage tax, Ohio municipal taxes, Maryland county taxes, and Portland metro area taxes.
FICA uses the 2026 Social Security wage base of $184,500 (2025: $176,100), the 6.2% SS rate, 1.45% Medicare rate, and the 0.9% Additional Medicare Tax on earnings above $200,000.
OBBBA provisions: Our overtime calculator incorporates the One Big Beautiful Bill Act (signed July 4, 2025), which exempts up to $12,500 ($25,000 married) of overtime premium pay from federal income tax through 2028.
TakeHomeTax is an educational tool, not a tax preparation service. Our calculators provide estimates based on simplified models. They are not a substitute for professional tax advice. For complex situations, consult a qualified CPA or tax professional. See our full terms of service.
Have a question, found an error, or want to suggest a feature? Reach out at jake@numberslab.xyz or visit the contact page.