Five educational estimators for homeowners and homebuyers. They run in your browser from figures you type. They are not a substitute for Form 1040, Schedule A, or a CPA or enrolled agent.
Educational illustration for tax year 2025 — verify current IRS publications before use. This is a labeled assumption, not an official current-law rate table.
EXAMPLE DATA - MUST BE VERIFIED BEFORE SHIP
The dollar figures in the caption below are a teaching prop so you can see how a result card is labeled. They are not your numbers and not an IRS table.
$12,000 qualified residence interest beside a $15,000 standard-deduction assumption would not, by itself, make itemizing look larger. That pairing is EXAMPLE DATA - MUST BE VERIFIED BEFORE SHIP.
Each card is a static page with a client-side worksheet. None of them is a filing form.
Not a filing form
See, in rough numbers, how qualified residence interest might interact with the choice to itemize versus take the standard deduction.
Required inputs: filing-status category, estimated qualified residence interest, a standard-deduction assumption you enter or confirm. Optional: other itemized deductions, remaining acquisition indebtedness, points paid this year (flag only).
Open the estimatorNot a filing form
Educational worksheet for how prepaid mortgage points may be deducted in the year paid versus amortized over the life of the loan in simplified cases.
Required inputs: points paid, purchase versus refinance, loan principal, term. Optional: months outstanding this year, seller-paid points.
Open the helperNot a filing form
Explain that private mortgage insurance may be deductible only when statute allows, and otherwise is a housing cost, not a tax widget.
Required inputs: annual PMI paid. Optional: original LTV illustration, AGI illustration, and an explicit opt-in to a cited dated assumption.
Open the explainerNot a filing form
Show that deductible state and local taxes are subject to a federal cap in years when the cap applies, and that property tax is only one component of SALT.
Required inputs: property tax paid. Optional: state income or sales tax illustration, and a user-entered SALT cap assumption.
Open the awareness sheetNot a filing form
Connect monthly housing payment to an educational monthly take-home illustration so you see cash-flow stress, not a tax-refund fantasy.
Required inputs: monthly principal, interest, taxes, and insurance, plus monthly or annual net take-home. Optional: PMI, HOA, other debt payments.
Open the cash-flow sheetThey do not prepare a return, store a Social Security number, talk to an IRS API, or replace Publication 936 or a qualified tax professional. Acquisition-debt limits, home-equity tracing, alternative minimum tax, and state conformity are out of scope.