https://www.themoneypocket.com Free US tax and personal-finance calculators with plain-English guides. Run the number, see the rule behind it, and know your next step. en-us https://www.themoneypocket.com/articles/crypto-tax-loss-harvesting https://www.themoneypocket.com/articles/crypto-tax-loss-harvesting Selling crypto at a loss can offset US capital gains — and unlike stocks, wash-sale rules generally do not apply today. How to harvest without wrecking basis. Wed, 26 Aug 2026 12:00:00 GMT https://www.themoneypocket.com/articles/custodial-vs-non-custodial-crypto-wallet https://www.themoneypocket.com/articles/custodial-vs-non-custodial-crypto-wallet A custodial wallet means a company holds the keys. Non-custodial means you do. US tax, 1099-DA, transfers, and what self-custody actually changes. Wed, 26 Aug 2026 12:00:00 GMT https://www.themoneypocket.com/articles/how-crypto-dollar-cost-averaging-works https://www.themoneypocket.com/articles/how-crypto-dollar-cost-averaging-works Crypto DCA means buying a fixed dollar amount on a schedule so volatility works for you. How lots, fees, and taxes work — plus when lump sum still wins. Wed, 26 Aug 2026 12:00:00 GMT https://www.themoneypocket.com/articles/irs-form-1099-da-explained https://www.themoneypocket.com/articles/irs-form-1099-da-explained Form 1099-DA is how US brokers report digital-asset sales. What proceeds vs basis mean, why transfers are not automatically gains, and how to reconcile. Wed, 26 Aug 2026 12:00:00 GMT https://www.themoneypocket.com/articles/is-transferring-crypto-between-wallets-taxable https://www.themoneypocket.com/articles/is-transferring-crypto-between-wallets-taxable Moving bitcoin or ethereum to a wallet you own is usually not a US sale. Selling, swapping, or spending is. How to record transfers and avoid 1099-DA mix-ups. Wed, 26 Aug 2026 12:00:00 GMT https://www.themoneypocket.com/articles/excess-roth-ira-contribution-fix https://www.themoneypocket.com/articles/excess-roth-ira-contribution-fix 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. Tue, 25 Aug 2026 12:00:00 GMT https://www.themoneypocket.com/articles/irs-automatic-penalty-relief-aep https://www.themoneypocket.com/articles/irs-automatic-penalty-relief-aep 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. Tue, 25 Aug 2026 12:00:00 GMT https://www.themoneypocket.com/articles/savers-match-2027-guide https://www.themoneypocket.com/articles/savers-match-2027-guide 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. Tue, 25 Aug 2026 12:00:00 GMT https://www.themoneypocket.com/articles/car-loan-interest-deduction-guide https://www.themoneypocket.com/articles/car-loan-interest-deduction-guide How the No Tax on Car Loan Interest deduction works: $10,000 cap, new US-assembled vehicles, loan rules, refinancing, MAGI phase-out, and Form 1098-VLI. Mon, 10 Aug 2026 12:00:00 GMT https://www.themoneypocket.com/articles/no-tax-on-tips-guide https://www.themoneypocket.com/articles/no-tax-on-tips-guide How the No Tax on Tips deduction works: $25,000 cap, the official tipped-occupation list, service charges vs tips, tip pools, W-2 vs 1099 reporting, and phase-outs. Mon, 10 Aug 2026 12:00:00 GMT https://www.themoneypocket.com/articles/senior-tax-deduction-guide https://www.themoneypocket.com/articles/senior-tax-deduction-guide The extra $6,000 senior deduction for 2025–2028: who qualifies, how it stacks with the age-65 standard deduction, the per-person 6% phase-out, and planning tips. Mon, 10 Aug 2026 12:00:00 GMT https://www.themoneypocket.com/articles/tips-vs-overtime-tax-deduction https://www.themoneypocket.com/articles/tips-vs-overtime-tax-deduction No Tax on Tips vs No Tax on Overtime compared: caps, who qualifies, which dollars count, phase-outs, W-2 codes TP and TT, and examples of claiming both. Mon, 10 Aug 2026 12:00:00 GMT https://www.themoneypocket.com/articles/us-assembled-car-loan-tax-deduction https://www.themoneypocket.com/articles/us-assembled-car-loan-tax-deduction How to prove US final assembly for the car loan interest deduction: read the VIN plant code, the window sticker, and the NHTSA decoder, with real examples. Mon, 10 Aug 2026 12:00:00 GMT https://www.themoneypocket.com/articles/working-families-tax-cuts-explained https://www.themoneypocket.com/articles/working-families-tax-cuts-explained Plain-English guide to the Working Families Tax Cuts: 2026 standard deduction, senior deduction, no tax on tips and overtime, car loan interest, SALT, and family credits. Mon, 10 Aug 2026 12:00:00 GMT https://www.themoneypocket.com/articles/highest-tariff-product-categories https://www.themoneypocket.com/articles/highest-tariff-product-categories All 22 US import categories ranked by trade-weighted tariff rate, from aluminum and steel to coffee and fertilizer, with HTS chapters and what drives each rate. Tue, 28 Jul 2026 12:00:00 GMT https://www.themoneypocket.com/articles/how-to-find-your-hts-code https://www.themoneypocket.com/articles/how-to-find-your-hts-code A step-by-step method for classifying imports in the Harmonized Tariff Schedule: code structure, the General Rules of Interpretation, and rulings. Tue, 28 Jul 2026 12:00:00 GMT https://www.themoneypocket.com/articles/how-to-read-daily-treasury-statement https://www.themoneypocket.com/articles/how-to-read-daily-treasury-statement A table-by-table guide to the Daily Treasury Statement: operating cash, deposits and withdrawals, public debt transactions, debt subject to limit, and the API fields. Tue, 28 Jul 2026 12:00:00 GMT https://www.themoneypocket.com/articles/how-us-import-tariffs-work https://www.themoneypocket.com/articles/how-us-import-tariffs-work How US import tariffs are set, layered, and collected: HTS rates, Section 232 and 301 duties, the IEEPA ruling, and how CBP assesses duty on each entry. Tue, 28 Jul 2026 12:00:00 GMT https://www.themoneypocket.com/articles/importer-landed-cost-guide https://www.themoneypocket.com/articles/importer-landed-cost-guide How to calculate landed cost on US imports: customs value, duty layers, MPF and HMF fees, bonds, freight, and per-unit allocation, with a full worked example. Tue, 28 Jul 2026 12:00:00 GMT https://www.themoneypocket.com/articles/treasury-cash-vs-national-debt https://www.themoneypocket.com/articles/treasury-cash-vs-national-debt The difference between the Treasury's cash balance (TGA) and the national debt, with current figures, how borrowing links them, and the headlines that confuse the two. Tue, 28 Jul 2026 12:00:00 GMT https://www.themoneypocket.com/articles/what-is-the-treasury-general-account https://www.themoneypocket.com/articles/what-is-the-treasury-general-account What the Treasury General Account (TGA) is, how big it is, why it swings by $100 billion in a day, how it affects bank reserves, and how to track it. Tue, 28 Jul 2026 12:00:00 GMT https://www.themoneypocket.com/articles/who-pays-import-tariffs https://www.themoneypocket.com/articles/who-pays-import-tariffs Who legally owes US import tariffs, how the cost splits among foreign exporters, importers, retailers, and shoppers, and who gets the IEEPA refunds. Tue, 28 Jul 2026 12:00:00 GMT https://www.themoneypocket.com/articles/will-tariffs-raise-consumer-prices https://www.themoneypocket.com/articles/will-tariffs-raise-consumer-prices How much and how fast US tariffs raise shelf prices, what Federal Reserve research found for 2025–2026, and how to estimate the effect on goods you buy. Tue, 28 Jul 2026 12:00:00 GMT https://www.themoneypocket.com/articles/2026-irs-inflation-adjustments-guide https://www.themoneypocket.com/articles/2026-irs-inflation-adjustments-guide Official 2026 tax inflation adjustments from IRS Rev. Proc. 2025-32. Brackets, deductions, credits, estate limits, and benefit caps in one guide. Thu, 02 Jul 2026 12:00:00 GMT https://www.themoneypocket.com/articles/2026-tax-changes-obbba-guide https://www.themoneypocket.com/articles/2026-tax-changes-obbba-guide Comprehensive guide to 2026 tax changes from the One Big Beautiful Bill Act. New brackets, senior deduction, QBI changes, and how they affect your taxes. Thu, 02 Jul 2026 12:00:00 GMT https://www.themoneypocket.com/articles/adoption-tax-credit-guide https://www.themoneypocket.com/articles/adoption-tax-credit-guide How the federal adoption tax credit works in 2026. $17,670 max credit, $5,120 refundable, income limits, and Form 8839 filing explained. Thu, 02 Jul 2026 12:00:00 GMT https://www.themoneypocket.com/articles/certificate-of-insurance-tracking-guide https://www.themoneypocket.com/articles/certificate-of-insurance-tracking-guide Step-by-step guide to collecting, verifying, tracking, and renewing subcontractor certificates of insurance without email chaos or spreadsheet gaps. Thu, 02 Jul 2026 12:00:00 GMT https://www.themoneypocket.com/articles/construction-project-closeout-guide https://www.themoneypocket.com/articles/construction-project-closeout-guide Master construction closeout — final COIs, lien waivers, warranties, as-builts, and retainage release — without last-minute document scrambles. Thu, 02 Jul 2026 12:00:00 GMT https://www.themoneypocket.com/articles/foreign-earned-income-exclusion-guide https://www.themoneypocket.com/articles/foreign-earned-income-exclusion-guide How the FEIE works for US expats in 2026. Qualification tests, the $132,900 exclusion limit, housing exclusion, and MAGI impacts explained. Thu, 02 Jul 2026 12:00:00 GMT https://www.themoneypocket.com/articles/fsa-and-commuter-benefits-tax-savings-guide https://www.themoneypocket.com/articles/fsa-and-commuter-benefits-tax-savings-guide How health FSAs, dependent care FSAs, and pre-tax commuter benefits work: limits, eligible expenses, carryover and grace periods, and open enrollment choices. Thu, 02 Jul 2026 12:00:00 GMT https://www.themoneypocket.com/articles/general-contractor-risk-management-guide https://www.themoneypocket.com/articles/general-contractor-risk-management-guide Understand GC liability, indemnity clauses, insurance gaps, and job-site risk controls — plus how compliance documentation protects your business. Thu, 02 Jul 2026 12:00:00 GMT https://www.themoneypocket.com/articles/how-the-gift-tax-works https://www.themoneypocket.com/articles/how-the-gift-tax-works The gift tax applies to transfers over $19,000 per person per year, but most people never pay it. Learn how the annual exclusion and lifetime exemption work. Thu, 02 Jul 2026 12:00:00 GMT https://www.themoneypocket.com/articles/itemized-deduction-37-percent-bracket-limit https://www.themoneypocket.com/articles/itemized-deduction-37-percent-bracket-limit How the OBBBA limits itemized deduction benefits for top-bracket taxpayers. Who is affected and when itemizing still makes sense. Thu, 02 Jul 2026 12:00:00 GMT https://www.themoneypocket.com/articles/lifetime-learning-credit-income-limits https://www.themoneypocket.com/articles/lifetime-learning-credit-income-limits The Lifetime Learning Credit phases out between $80,000 and $90,000 of MAGI ($160,000 to $180,000 joint), and those limits aren't indexed. See the math and ways to qualify. Thu, 02 Jul 2026 12:00:00 GMT https://www.themoneypocket.com/articles/subcontractor-insurance-compliance-guide https://www.themoneypocket.com/articles/subcontractor-insurance-compliance-guide Learn how general contractors verify subcontractor insurance, read COIs, enforce coverage requirements, and avoid job-site compliance gaps. Thu, 02 Jul 2026 12:00:00 GMT https://www.themoneypocket.com/articles/subcontractor-prequalification-guide https://www.themoneypocket.com/articles/subcontractor-prequalification-guide Learn how to vet subcontractors before award — financial strength, insurance, safety, licensing, and references — with a scoring model you can use today. Thu, 02 Jul 2026 12:00:00 GMT https://www.themoneypocket.com/articles/make-money-with-gmod-2-s-box https://www.themoneypocket.com/articles/make-money-with-gmod-2-s-box Learn how creators can make real money with s&box, the game creation platform often called GMod 2 or Garry's Mod 2. This guide realistic earning strategies. Fri, 01 May 2026 12:00:00 GMT https://www.themoneypocket.com/articles/basement-permit-cost https://www.themoneypocket.com/articles/basement-permit-cost What a basement finishing permit costs in Denver, Phoenix, Seattle and Chicago, the egress and inspection rules behind the fee, and a worked 800 sq ft example. Wed, 29 Apr 2026 12:00:00 GMT https://www.themoneypocket.com/articles/building-inspection-cost https://www.themoneypocket.com/articles/building-inspection-cost What city building inspections cost: what the permit covers, real reinspection and after-hours fees from six cities, the inspection sequence, and how to pass. Wed, 29 Apr 2026 12:00:00 GMT https://www.themoneypocket.com/articles/building-permit-cost https://www.themoneypocket.com/articles/building-permit-cost Building permit fees for $15,000, $50,000, and $100,000 projects in Denver, Phoenix, Seattle, and Los Angeles, plus square-foot cities and penalties. Wed, 29 Apr 2026 12:00:00 GMT https://www.themoneypocket.com/articles/commercial-building-inspection-cost https://www.themoneypocket.com/articles/commercial-building-inspection-cost What drives the cost of a commercial property condition assessment, lender PCA rules from Fannie Mae, Freddie Mac and HUD, and real city inspection fees. Wed, 29 Apr 2026 12:00:00 GMT https://www.themoneypocket.com/articles/construction-permit-cost https://www.themoneypocket.com/articles/construction-permit-cost The full permit fee stack for new construction, from plan review and trade permits to surcharges and occupancy certificates, with fees for a 2,000 sq ft house. Wed, 29 Apr 2026 12:00:00 GMT https://www.themoneypocket.com/articles/contractor-bond-cost https://www.themoneypocket.com/articles/contractor-bond-cost Learn how contractor bond costs work, including bond amount vs bond premium, pricing examples, credit factors, state requirements, and how to estimate your upfront cost. Wed, 29 Apr 2026 12:00:00 GMT https://www.themoneypocket.com/articles/contractor-bond-vs-insurance https://www.themoneypocket.com/articles/contractor-bond-vs-insurance Understand the difference between contractor bonds and contractor insurance, including who they protect, when they are required, and why many contractors need both. Wed, 29 Apr 2026 12:00:00 GMT https://www.themoneypocket.com/articles/contractor-license-cost-by-state https://www.themoneypocket.com/articles/contractor-license-cost-by-state Compare contractor license cost factors by state, including application fees, registration fees, bond premiums, insurance, exams, and local licensing requirements. Wed, 29 Apr 2026 12:00:00 GMT https://www.themoneypocket.com/articles/contractor-startup-costs https://www.themoneypocket.com/articles/contractor-startup-costs Learn how much it costs to start a contractor business, including licensing, bonding, insurance, tools, vehicles, business formation, marketing, software, and taxes. Wed, 29 Apr 2026 12:00:00 GMT https://www.themoneypocket.com/articles/contractor-tax-deductions https://www.themoneypocket.com/articles/contractor-tax-deductions Learn the most common tax deductions for contractors, including tools, vehicle expenses, insurance, home office, subcontractors, depreciation, software, phone, and business startup costs. Wed, 29 Apr 2026 12:00:00 GMT https://www.themoneypocket.com/articles/deck-permit-cost https://www.themoneypocket.com/articles/deck-permit-cost What a deck permit really costs, with real fee schedules, the IRC 200 sq ft / 30-inch exemption, footing and framing inspections, and a worked budget. Wed, 29 Apr 2026 12:00:00 GMT https://www.themoneypocket.com/articles/demolition-permit-cost https://www.themoneypocket.com/articles/demolition-permit-cost Real demolition permit fees from Austin, Phoenix, Seattle, Miami-Dade, Chicago and small towns, plus asbestos notice rules and a worked teardown budget. Wed, 29 Apr 2026 12:00:00 GMT https://www.themoneypocket.com/articles/electrical-inspection-cost https://www.themoneypocket.com/articles/electrical-inspection-cost Electrical safety inspection costs: city permit inspections, reinspection fees, and private electrician checks for home sales, insurance, EV chargers, panels. Wed, 29 Apr 2026 12:00:00 GMT