Sources
Every figure in the calculators traces to published guidance. This is the full list.
Overtime deduction rules, caps and phase-out
- IRS — What to know about the No Tax on Overtime deduction
- IRS Fact Sheet FS-2026-13
- IRS Schedule 1-A (Form 1040), Part III — No Tax on Overtime (2025 form)
Last verified September 18, 2026.
Federal tax brackets, 2026
Last verified September 18, 2026.
Standard deduction, 2026
Last verified September 19, 2026.
Tax refund with the overtime deduction (2026)
- IRS — What to know about the No Tax on Overtime deduction
- IRS — Questions and answers about the deduction for qualified overtime compensation
- IRS — Schedule 1-A (Form 1040), Part III, No Tax on Overtime (2025 form)
- IRS — How to update withholding to account for tax law changes for 2025
- IRS — General Instructions for Forms W-2 and W-3 (2026), box 12 code TT
- IRS Rev. Proc. 2025-32 (2026 tax rates and standard deduction)
Last verified September 24, 2026. IRS primary sources. Where the IRS has not stated a rule, such as employer withholding for the 2026 W-4, the calculator page says so.
Mortgage recast: fees, minimum lump sums and loan-type eligibility
- Amerisave — Recasting a mortgage: what it means and how it works
- We Are Calculator — Can you recast a VA, FHA or conventional loan?
- JVM Lending — What is a mortgage recast?
Last verified September 19, 2026. These are published lender guides, not a legal or agency source. Recast availability, fees and minimums are set by each servicer.
Lender recast policies: Chase, Wells Fargo and Bank of America
- Chase — Recast your mortgage loan
- Chase — What is a mortgage recast?
- Wells Fargo — Maximizing cash flow while buying a home
- Wells Fargo — Jumbo loan
- Bank of America — Mortgage FAQs ("Recast your existing mortgage")
Last verified September 24, 2026. These are each lender's own pages, read on the date shown. Where a lender does not publish a figure, the calculator page says so rather than estimating it.
California vehicle tax, title and license
- CDTFA — Sales and use tax rates (statewide rate and district taxes)
- CDTFA — Publication 34, Motor Vehicle Dealers (trade-ins, October 2025)
- California DMV — Registration fees (registration, CHP, VLF and TIF)
- California DMV — Vehicle Industry News VIN 2023-02, Miscellaneous Fee Increases (title fee)
- California DMV — Vehicle registration fee calculator (dealer documentation fee limit)
Last verified September 25, 2026. State agency sources only. The title fee was last confirmed in January 2023 and is shown as a range, and county and district registration fees were not found on the DMV pages read, so the calculator says so instead of estimating them.
New York vehicle tax, title and license
- New York DMV — Passenger vehicle registration fees, use taxes and supplemental fees (fee chart, county use tax, title and plate fees)
- New York Tax & Finance — Publication 718, sales and use tax rates by jurisdiction (effective March 1, 2025)
- New York Tax & Finance — Sales tax rates by local taxing jurisdiction for current periods
- New York Tax & Finance — Motor vehicles, vessels, and trailers (tax uses the buyer's home rate)
- New York Tax & Finance — Sales tax rates, additional sales taxes, and fees (4% state rate, MCTD)
- New York Tax & Finance — Publication 838, A Guide to Sales Tax for Automobile Dealers (trade-ins, 2012 edition)
- New York DMV — Sales tax information (who collects tax on private sales)
Last verified September 25, 2026. State agency sources only. County sales tax rates are from Publication 718, effective March 1, 2025, which New York lists as its current edition. The trade-in guidance comes from a 2012 dealer guide, so the calculator page says to check current guidance.
Florida car sales tax, title and registration
- Florida DOR — Sales and Use Tax on Motor Vehicles (GT-800030)
- Florida DOR — Discretionary Sales Surtax Information for Calendar Year 2026 (DR-15DSS)
- Florida Statutes 2026 — s. 319.32, certificate of title fees
- Florida Statutes 2026 — s. 320.072, initial registration fee
- Florida Statutes 2026 — s. 320.08, license taxes
Last verified September 27, 2026. Florida Department of Revenue publications and the 2026 Florida Statutes. Registration fees and service charges beyond the license tax could not be verified, so the calculator page says so instead of estimating them.
Texas vehicle tax, title and license
- TxDMV — Purchased a vehicle outside of Texas (title, registration and county fees)
- TxDMV — Register your vehicle (base registration and local county fees)
- TxDMV — Standard Presumptive Value (SPV) tool
- Texas Comptroller — Motor Vehicle Sales Tax
- Texas Comptroller — Trade-Ins (Motor Vehicle Tax Guide)
- Texas Comptroller — Standard Presumptive Value (Motor Vehicle Tax Guide)
- Texas Comptroller — Private-Party Purchases and Standard Presumptive Values
Last verified September 19, 2026. Title and local fees vary by county. Verify with your county tax assessor-collector before you buy.
How often figures are checked
Figures are re-checked against these sources at the start of each tax year, and whenever the IRS publishes a change. See themethodology page for how they are used.