Educational estimates, not a professional engagement

WhatIfInLearning is a classroom. Nothing here is tax advice, legal advice, investment advice, or an offer to buy or sell a security. Thomas Sanders is not your CPA, CFP, attorney, or fiduciary. Reading a guide or paying $4.99 for a playbook does not create a client relationship.

Effective 2026-09-08 · About the author · Corrections

Figures move

Tools and primers on this site currently use tax year 2026 published numbers (IRS Notice 2025-67 contribution limits, Rev. Proc. 2025-32 inflation adjustments, SSA Social Security wage base $184,500). Congress, the IRS, SSA, and plan documents can change any of that. A calculator that was right in September can be wrong in January. Check the primary source before you file, contribute, or refinance.

What the calculators actually are

Simplified models. They omit state tax, local tax, AMT, NIIT in some views, plan-specific fees, and your actual SPD.
Inputs you type, not a data feed. HYSA APYs, mortgage quotes, and HELOC rates are whatever you enter.
Shareable hash URLs store those inputs in the address bar on your device. They are not an account at a broker.
Worked examples (for instance self-employment tax on $80,000 Schedule C net profit) are illustrations, not your return.

Premium playbooks

PayPal unlocks longer sequences of the same educational material. A playbook is not a personalized plan. Refunds follow PayPal’s buyer-protection rules for digital goods. Restore codes are for access, not for advice.

Other people’s money and products

No affiliate links to cards, HYSA, or brokers on these pages today. If that changes, the page will say so.
Worth Adventure at /adventure.html is a stylized life sim. Markets there are not forecasts.
Labs that are not finance (Tetris, coffee, Attune, Sitecraft) redirect off-site. The 50-states explorer is a classroom tool at /50states.

Your job

Confirm IRS publications, plan documents, loan estimates, and — when the dollar amount hurts — a licensed professional in your state. If a page looks wrong, tell me.

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