The Money Pocket
Personal finance, without the jargon

Clear tools and guides for everyday money decisions

Calculators and in-depth articles to help you save, invest, and plan your taxes — written to be used, not just skimmed.

How to Fix an Excess Roth IRA Contribution

How excess Roth IRA contributions arise, 2026 limits, return of excess plus NIA, Form 5329's 6% tax, and why a backdoor Roth does not fix it.
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Topic hubs

Each hub gathers the calculators and guides we have built around one financial question, so you can go deep without hunting.
Business & Self-Employment Tax Guide: QBI, S-Corp, R&D Credits & Calculators
Master business and self-employment taxes. Optimize your S-corp salary, claim the QBI deduction, calculate R&D credits, and minimize self-employment tax. Expert guides and free calculators.
Canadian Capital Gains Tax Guide: ACB, Losses, Exemptions & Calculators
Complete Canadian capital gains tax resource. Calculate ACB, plan capital losses, understand the inclusion rate, and claim exemptions. CRA-accurate guides and free calculators.
Canadian Disability Tax Guide: Disability Supports Deduction, T929 & CRA Guides
Complete guide to Canadian disability tax benefits. Understand the Disability Supports Deduction (Line 21500), eligible expenses, T929 form, and how to maximize your CRA deductions.
Capital Gains Tax Guide: Calculators, Strategies & Guides
Everything you need to understand, calculate, and minimize US capital gains taxes on stocks, real estate, crypto, and investments. Free calculators and expert guides.
Contractor Business Guide: Licensing, Bonds, Insurance & Startup Costs
Start and run a contractor business with confidence. Estimate general contractor license costs, understand bonding and insurance requirements, compare state rules, and plan your construction business startup budget.
Education Savings Guide: 529 Plans, Tax Credits & Student Loan Calculators
Complete education savings resource. Compare 529 vs UTMA, maximize AOTC and education credits, plan student loan repayment, and optimize college funding strategies.
Estate Planning Guide: Estate Tax, Trusts, CRTs & Wealth Transfer Calculators
Complete estate planning resource. Calculate estate tax liability, optimize trust strategies, plan charitable remainder trusts, and preserve wealth across generations. Expert guides and free calculators.
Federal Income Tax Guide: Brackets, Deductions, Credits & Calculators
Master US federal income tax. Understand tax brackets, standard deductions, withholding, AMT, and key credits. Free calculators and plain-English guides to minimize what you owe.
Payroll Tax Guide: Paycheck, Bonus, Withholding & FICA Calculators
Understand exactly what taxes come out of every paycheck. FICA, federal withholding, state income tax, bonus tax, and how to optimize your W-4.
Permit & Inspection Cost Guide
Estimate building permit costs, inspection fees, electrical permit prices, demolition permits, pool permits, deck permits, fence permits, basement permits, and other construction-related fees.
Real Estate Investing Guide: ROI, Cash Flow, Tax & Financing Calculators
Complete real estate investing resource. Calculate cap rates, after-tax cash flow, 1031 exchanges, DTI ratios, and rental property ROI. Expert guides and free calculators.
Retirement Income Tax Guide: SS Benefits, IRA & Pension Calculators
Tax rules for every type of retirement income: Social Security benefits, IRA withdrawals, pensions, and RMDs. Calculators and strategies to minimize your tax bill.
Retirement Planning Guide: 401k, Roth IRA, Social Security & Pension Calculators
Complete retirement planning resource. Optimize 401k contributions, Roth conversions, Social Security timing, and tax-free income strategies. Expert guides and free calculators.
Savings & Personal Finance Guide: Goals, Budgeting & Debt Calculators
Build real wealth with proven savings strategies. Calculate savings goals, understand debt costs, manage loans, and plan for financial independence. Free calculators and actionable guides.
Side Hustle & Online Income Guide: Calculators, Tax Guides & Strategies
Everything you need to build and optimize side hustle income. Calculate true profit after taxes and fees, find affiliate programs, explore gaming income, and discover unsaturated niches.
SIP & Mutual Fund Investing Guide: Calculators for Indian Investors
Complete SIP investing resource for Indian investors. Calculate SIP returns, compare lumpsum vs SIP, plan step-up SIPs, adjust for inflation, and optimize your mutual fund strategy.
State Tax Comparison Guide: Income, Property & Sales Tax by State
Compare state income taxes, property taxes, and sales taxes across all 50 states. Relocation tax analysis, state-specific calculators, and guides to minimize your state tax burden.
US Import Tariffs & Duty Cost Hub
Estimate US import tariffs by product category and HTS code. Calculators and guides for duty, landed cost, and consumer price pass-through.
US Treasury Cash & TGA Hub
Track the Treasury General Account cash balance and learn how to read the Daily Treasury Statement operating cash data.
Working Families Tax Cuts Hub
Calculators and guides for No Tax on Tips, overtime, car loan interest, senior deduction, and 2026 standard deduction updates.
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Latest articles

Guides that walk through the rules, the trade-offs, and what to do next.
How to Fix an Excess Roth IRA Contribution
How excess Roth IRA contributions arise, 2026 limits, return of excess plus NIA, Form 5329's 6% tax, and why a backdoor Roth does not fix it.
IRS Automatic Penalty Relief (AEP) Explained
How the IRS Automatic Exemption from Penalty program differs from First Time Abate, estimated-tax safe harbors, and reasonable cause. Educational overview, not a guarantee of relief.
Saver's Match Guide: What Replaces the Saver's Credit
How the Saver's Match replaces the Saver's Credit in 2027: eligibility, MAGI phase-outs, the distribution lookback, and where Treasury deposits the match.
Do the math

Latest calculators

Estimates you can actually use — taxes, real estate, retirement, and more.
Excess Roth IRA Contribution Calculator
Estimate excess Roth IRA contributions, net income attributable, the corrective distribution, and 6% Form 5329 tax. 2026 limits. Educational only.
IRS Automatic Penalty Relief: AEP Eligibility Checker
Check how published IRS Automatic Exemption from Penalty (AEP) rules apply to failure-to-file, failure-to-pay, or failure-to-deposit facts. Educational only — not a guarantee of relief.
Saver's Match Calculator
Estimate the 2027 Saver's Match from MAGI, eligible contributions, and testing-period distributions. Statutory §6433 model. Educational only.
Why this site

What is The Money Pocket?

A free library of accurate calculators and practical guides for taxes, real estate, retirement, and investing.
Accurate calculators
Built around current tax rules and financial math — so you can model a decision before you commit.
Guides written to be used
Long-form explainers that cover the rules, the edge cases, and the next step — not a skim of headlines.
Free to use
Calculators and guides stay free. No account required.
Who publishes this

Kevin Valopouloss is the only publisher

Years of experience in US taxation and personal finance, working closely with companies. The library exists so you can look up a rule, run a number, and move on — no account and no paywall.

Publisher

Kevin Valopouloss

Kevin Valopouloss

Sole publisher · US taxation & finance

Informational only — not a substitute for a tax, legal, or investment professional who knows your facts. About the publisher

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© 2026 The Money Pocket. Published by Kevin Valopouloss. For information only — not tax, legal, or investment advice.