Smarter money decisions, backed by sourced numbers.
Compare 21 credit cards and use 25 free calculators and 72 guides on mortgages, student loans, taxes, retirement and more — every figure from an official source, with the date we checked it.
Everything you compare, in one place
Each topic has a hub with guides, calculators and the rules that matter — with sources on every page.
Credit cardsfees from issuer pages21 cards · 8 issuersAnnual fee, APR, rewards and offers — each dated.
Mortgages30-yr 7.03%FHA · VA · USDA · jumboRates, loan limits, PMI, closing costs.
Student loans6.52% undergrad2026–27 rulesRates, repayment plans, limits and PSLF.
Taxestop bracket 37%Tax year 2026Brackets, deductions, credits, calculators.
Retirement401(k) $24,500401(k) · IRA · HSA · SSA2026 limits, RMDs, Social Security.
Credit & debtFICO 300–850scores · reports · payoffScores, free reports, payoff plans.
Insuranceplans 60/70/80/90%health · auto · home · lifeWhat each policy covers and how to shop.
InvestingSIPC $500,000funds · ETFs · feesIndex funds, expense ratios, protections.
Banking & savings12-mo CD 1.73%FDIC national ratesSavings, CDs, checking and FDIC coverage.
Budgetingnet worthemergency fund · 50/30/20Budget, emergency fund and net worth tools.
The figures people look up most
Benchmarks and 2026 limits, each with its source. Tap a card for the full guide.
| Item | Figure | Source |
|---|---|---|
| 30-year fixed mortgage rate | 7.03% | Freddie Mac PMMS, 24 September 2026 |
| 15-year fixed mortgage rate | 6.42% | Freddie Mac PMMS, 24 September 2026 |
| Conforming loan limit (most areas) | $832,750 | FHFA, 2026 |
| FHA loan limit (floor – ceiling) | $541,287 – $1,249,125 | HUD, 2026 |
| Federal undergraduate loan | 6.52% | studentaid.gov, 2026–27 |
| Item | Figure | Source |
|---|---|---|
| Standard deduction — single / married joint | $16,100 / $32,200 | IRS Rev. Proc. 2025-32 |
| Top rate begins (single) | 37% over $640,600 | IRS Rev. Proc. 2025-32 |
| 0% capital gains up to (single / joint) | $49,450 / $98,900 | IRS Rev. Proc. 2025-32 |
| Child tax credit per child | $2,200 | IRS Rev. Proc. 2025-32 |
| Item | 2026 limit | Source |
|---|---|---|
| 401(k) employee deferral | $24,500 | IRS Notice 2025-67 |
| IRA (Traditional + Roth) | $7,500 | IRS Notice 2025-67 |
| HSA — self-only / family | $4,400 / $8,750 | IRS Rev. Proc. 2025-19 |
| RMD starting age | 73 (born 1951–59) · 75 (1960+) | IRS |
| Product | National average | Source |
|---|---|---|
| Savings | 0.37% | FDIC, effective September 21, 2026 |
| Money market | 0.63% | FDIC |
| 12-month CD | 1.73% | FDIC |
| 60-month CD | 1.38% | FDIC |
National averages across all insured banks; many online banks pay more.
Popular cards by need
Examples of common needs from the 21 cards we track — not a ranking. Terms read from issuer pages, checked 30 September 2026.
Flat 2% cash back with a long balance-transfer window
View details Cash back with a 0% intro periodEveryday spenders who want simple cash back with a 0% intro period
View details Travel rewardsPeople who want a simple 2X travel card with a modest annual fee
View details Premium travel Chase Sapphire Reserve Credit CardChase Annual fee$795Top reward8x pointsFrequent travelers who will use the credits and lounge access
View details Groceries and gasNo-annual-fee cash back on groceries, gas and online shopping
View details Balance transfersFlat 2% cash rewards with a 0% intro period
View detailsLoans at a glance
What each loan is, the benchmark rate where a published one exists, and a calculator for each. Other rates are labelled samples.
| Loan | Rate reference | Typical term | |
|---|---|---|---|
| 🏠 Mortgage | Benchmark: 7.03% (30-yr fixed, Freddie Mac PMMS) | 15 or 30 years (most common) | Calculate → |
| 🚗 Auto Loan | Sample rate — use your lender’s quote | 3 – 7 years (typical) | Calculate → |
| 🚙 Used Car Loan | Sample rate — use your lender’s quote | 3 – 6 years (typical) | Calculate → |
| 💼 Personal Loan | Sample rate — use your lender’s quote | 1 – 7 years (typical) | Calculate → |
| 🎓 Student Loan | Federal 2026–27: 6.52% undergrad · 8.07% grad · 9.07% PLUS | 10 years (standard federal plan) | Calculate → |
| 🏡 Home Equity Loan | Sample rate — use your lender’s quote | 5 – 30 years (typical) | Calculate → |
Only the mortgage benchmark (Freddie Mac) and federal student loan rates are published market figures. Other rates depend on your credit and lender — get quotes.
Free financial calculators
No sign-up. The formula and assumptions are shown on every page.
Popular guides
Plain-English explainers with the 2026 figures and links to the official sources.
Issuer pages, IRS revenue procedures, SSA, FHFA, HUD, VA and CFPB — each page shows the source and the date.
Standard amortization, marginal tax brackets and compound growth — the formulas and assumptions are shown.
Cards are listed from published terms, alphabetically or by filter — not by commission. Ads are labelled and kept separate.
If a figure was not on the source page, we say so. Spotted an error? Tell us.
Protections every consumer has
Rules that protect you when you bank, borrow or invest in the US.
FDIC (banks) and NCUA (credit unions) insure deposits up to $250,000 per depositor, per institution, per ownership category.
Mortgage lenders must give you a Loan Estimate within three business days of applying, and a Closing Disclosure at least three days before closing.
Card issuers must deliver your statement at least 21 days before the payment due date.
Check your reports from all three bureaus every week, free, at AnnualCreditReport.com.
Problem with a bank, card, loan or credit report? Submit a complaint at consumerfinance.gov/complaint.
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Questions, answered
Can’t find what you need? Our team replies within 2–3 business days.
Contact usWhat does FinancePortal do?
FinancePortal is an independent comparison and information website. We show credit card terms read from issuer pages, publish sourced guides and offer free calculators on mortgages, loans, taxes, retirement, credit, insurance and investing. We do not lend money, issue cards or sell financial products.
Where do the numbers come from?
From official sources: issuer pages for credit cards; Freddie Mac and FHFA for mortgage benchmarks and loan limits; the IRS and Social Security Administration for tax and retirement figures; studentaid.gov for student loans; the FDIC for deposit rates; and the CFPB for consumer rules. Each page lists its sources and the date the figure was checked.
What is the current 30-year mortgage rate?
The Freddie Mac weekly average for the week of 24 September 2026 was 7.03% for a 30-year fixed-rate mortgage and 6.42% for a 15-year fixed-rate mortgage. Your rate depends on your credit, down payment, loan type and lender, so compare Loan Estimates.
What are the 2026 federal tax brackets?
For tax year 2026 (filed in 2027) the rates are 10%, 12%, 22%, 24%, 32%, 35% and 37%. The standard deduction is $16,100 for single filers and $32,200 for married couples filing jointly. See the full tables by filing status in our 2026 tax brackets guide.
How much can I contribute to a 401(k) or IRA in 2026?
The 2026 employee limit for a 401(k) is $24,500 (plus catch-up contributions from age 50). The IRA limit is $7,500, or $8,600 if you are 50 or older. Roth IRA eligibility phases out at higher incomes.
Is it safe to use this site to apply for a card or loan?
We never ask for card numbers, Social Security numbers, bank passwords or one-time codes, and we do not take applications. Always apply on the issuer’s or lender’s official website. Report scams at reportfraud.ftc.gov.
How often is the data updated?
Every card and rate page shows the date its terms were read. Card terms and rates change often, so confirm with the provider before you apply. Weekly benchmarks such as mortgage rates carry the week they describe.
How does FinancePortal make money?
The site is supported by advertising served by partners such as Google, always labelled “Advertisement”. Advertisers cannot buy how products are listed or described. If we add referral links they will be clearly disclosed — see our Advertising & Affiliate Disclosure.
Compare credit cards side by side
Pick up to three of our 21 cards and see fees, APRs, offers and rewards in one table — every figure from the issuer’s own page.
Figures on this page come from the same data as our category pages: credit cards checked 30 September 2026, mortgage rates for the week of 24 September 2026, deposit rates effective September 21, 2026, 2026 tax and retirement limits from the IRS and SSA. Always confirm the current rate with the provider before you apply or invest. Not financial advice.