About FigureCal and Wanyu T
Fifteen free calculators for the U.S. money questions people actually Google. Every formula is shown, every assumption is listed, and every data source is linked — so you can check the math or argue with it.
Last updated: May 2026
The mission: math over marketing
The internet has no shortage of financial calculators. What it has a surplus of is financial calculator pages — slow-loading, pop-up-dense wrappers engineered to capture email addresses and push affiliate products. The actual math is fine, usually. It's buried three screens down, past the “Get My Free Quote” button and the interstitial modal. FigureCal exists as a reaction to that pattern: a public utility, not a conversion funnel. No paywalls, no affiliate links, no email capture. You come for the number; you get the number, the formula, and the source. That's it.
Who built this
FigureCal is run by Wanyu T, founder of OptimizeCredit and a former Financial Engineering Manager. She holds a degree from UC Berkeley. She is not a CPA, enrolled agent, or licensed financial advisor — FigureCal calculators are educational estimates, cross-checked against IRS, BLS, Treasury, and state revenue authority publications. Every calculator page links to its primary source.
The calculators cover federal income tax, OBBB deductions, mortgage payments, inflation, property tax, capital gains, self-employment tax, and more — not because the list grew by ambition, but because each one was built in response to a real question that existing tools answered poorly or not at all.
How the math is verified — methodology matrix
Every calculator on FigureCal is cross-checked against a specific primary source before it ships and every time the underlying data changes. The table below lists each calculator and its primary data source.
| Calculator | Primary data source |
|---|---|
| 2026 Federal Income Tax | IRS Rev. Proc. for 2026 inflation adjustments + IRS Publication 17 |
| OBBB Tax Impact | IRS implementation guidance + Public Law 119-X (One Big Beautiful Bill) |
| No Tax on Tips | IRS implementation guidance for OBBB tip-income deduction |
| No Tax on Overtime | IRS implementation guidance for OBBB overtime-premium deduction |
| SALT Deduction | IRS Publication 17 + OBBB revised SALT cap statutory text |
| 2026 Tax Bracket | IRS Rev. Proc. for 2026 + 26 U.S.C. § 1(f) inflation-adjustment formula |
| Self-Employment Tax | IRS Schedule SE instructions + Social Security wage-base announcement |
| Capital Gains Tax | IRS Rev. Proc. for 2026 capital gains thresholds + IRC § 1411 (NIIT) |
| EV Tax Credit | IRS Notice 2023-1 + Inflation Reduction Act § 30D + OBBB §70502 termination |
| Mortgage Calculator | Standard amortization formula (closed-form) + Fannie Mae/Freddie Mac PMI ranges |
| Mortgage Interest Deduction | IRS Publication 936 + TCJA $750,000 acquisition debt cap (OBBB permanent) |
| Property Tax Estimator | Tax Foundation 2025 state effective rates + state revenue department reports |
| Compound Interest | Standard compound-interest formula (closed-form, no external data refresh) |
| U.S. Inflation | BLS CPI-U annual averages, series CUUR0000SA0 |
| RMD Calculator | IRS Publication 590-B + IRS Uniform Lifetime Table (2022 revision) |
Full formula writeups, assumptions, and refresh cadences are documented on the Methodology page.
How this site stays free
FigureCal is kept free by your pageviews. We run display advertising (Google AdSense) so the calculators stay open to anyone, with no paywalls, no logins, and no email capture. What we don't do: affiliate links, sponsored placements, or accepting payment in exchange for editorial coverage of any financial product. Ads on the page are sold and served by Google's automated network — they do not influence which calculators are listed, how the math is done, or which sources are cited. If that policy ever changes, this section will say so on the same day.
Error correction commitment
If you find an output that contradicts the cited source, email [email protected] with the calculator name, your inputs, and the source you're checking against. Confirmed errors are fixed within 48 hours. We'd rather have someone point out a mistake publicly than have a wrong number persist because reporting felt like too much friction.
Contact
The best way to reach Wanyu is email: [email protected]. She's also on LinkedIn at linkedin.com/in/wanyu-t-b76691239. Response times vary; error reports take priority over general questions.
Author
Wanyu T — Founder, FigureCal & OptimizeCredit
Former Financial Engineering Manager. UC Berkeley alumna. Not a CPA, enrolled agent, or licensed financial advisor. Calculations cross-checked against IRS, BLS CPI-U, Treasury, and state revenue authority publications. Read the full methodology.
Contact: [email protected] · LinkedIn