Rules changed. See what it costs you.
New laws move real money — a tax break, a subsidy cliff, a benefit rule. These calculators turn one specific rule change into the dollar amount that applies to your numbers.
Free to use, with no account required. This isn't financial, tax or legal advice.
Illustrative example
$47,035
Projected balance at age 18 for a child born in 2026 — the $1,000 government seed plus $100 a month in family contributions, at an assumed 7% annual return. Run your own numbers in the Trump Account calculator.
How it works
1
Pick the rule that changed
A new tax break, a subsidy cliff, a benefit update — each calculator covers one specific rule.
2
Enter your numbers
Income, household size, whatever the rule actually keys off — nothing more than that.
3
See the dollar amount
A concrete figure, with the source it came from and the date it was last checked.
Calculators by topic
Health
2 toolsRules where a small change in income moves what health coverage costs by a large amount — subsidy cliffs, Medicare surcharges, and the thresholds behind them.
- ACA subsidy cliff calculatorSee your 2027 premium tax credit, how close your income sits to the 400% poverty-line cliff, and exactly what one dollar over it would cost.
- Medicare IRMAA calculatorWork out your 2026 Part B and Part D surcharge from your 2024 income, and see how close you are to the next bracket.
- ACA subsidy cliff by stateWhat earning $1 over 400% of the poverty line costs a couple in each state.
Paycheck
7 toolsRules that decide what ends up in a paycheck — new deductions on overtime and tips, the minimum-wage check for commission pay, and who can share in a tip pool.
- 2025 tax law savings calculatorOvertime, tips, car loan interest, and the senior bonus — see all four new deductions together, and your combined tax savings.
- Car loan interest deduction calculatorWork out your federal deduction on new-car loan interest for 2025–2028, and whether your vehicle actually qualifies.
- Commission minimum wage calculatorPaid by commission at a salon, barbershop or spa? Check whether this week's pay reaches the minimum wage, and what your employer owes if it doesn't.
- No tax on overtime calculatorWork out your federal deduction on overtime pay for 2025–2028, and where the income limit starts shrinking it.
- Tipped minimum wage by stateMinimum wage, tipped cash wage and tip credit in all 50 states and DC.
- Benefits cliff by stateWhere a raise ends SNAP, children’s Medicaid/CHIP or the ACA subsidy, in every state.
- No tax on tips: occupation codes (TTOC)All 71 qualifying jobs with their W-2 Box 14b code and IRS tip data.
Savings
1 toolRules that shape how much a family ends up with — savings accounts, contribution caps, and the incentives built into them.
Open SavingsShopping
1 toolRules that add a specific fee to something you buy from abroad — new customs charges on low-value parcels, and what they actually add to the price you saw at checkout.
Open ShoppingTravel
1 toolRules that put a fixed euro or pound figure on a disrupted trip — flight delay and cancellation compensation, and what actually excuses an airline from paying it.
- Flight delay compensation calculatorSee what EU261 or UK261 actually owes you for a delayed, cancelled or overbooked flight — and whether the airline's excuse holds up.
- Flight compensation by airport and airlineEU261 and UK261 amounts from 31 airports and on 22 airlines.
Every number on RuleCost is tied to a primary source — a statute, an IRS or CMS publication, an airline-regulation text — with the date it was last checked. Rules change; when they do, the figure and the date both update.