The Money Pocket

Your place to learn about personal finance

Master personal finance with The Money Pocket’s expert tools, calculators, and guides. Learn to save, invest, and manage your money confidently.

How to Find Affiliate Programs in 2026: Complete Guide (9 Proven Methods)

Learn how to find affiliate programs in any niche. Discover high-ticket, recurring commission, and beginner-friendly programs using Google dorks, networks, Reddit, TikTok, and more.

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Our best articles & guides to help you master personal finance
How to Find Affiliate Programs in 2026: Complete Guide (9 Proven Methods)
Learn how to find affiliate programs in any niche. Discover high-ticket, recurring commission, and beginner-friendly programs using Google dorks, networks, Reddit, TikTok, and more.
Michigan Gas Tax 2026: Complete Guide to the 52.4¢ Per Gallon Increase
Everything you need to know about Michigan's 2026 fuel tax increase from 31¢ to 52.4¢ per gallon. Includes sales tax elimination, inventory tax requirements, and impact analysis.
Michigan vs Ohio Gas Tax 2026: Is It Worth Crossing the Border?
Compare Michigan's 52.4¢/gal fuel tax to Ohio's 38.5¢/gal rate. Calculate if driving to Ohio for gas saves money. Analysis for Toledo, Monroe, and border residents.
The Complete Guide to Making Money with Apex Legends: 12+ Proven Methods to Earn Real Cash
Discover every way to make money with Apex Legends. From selling heirloom accounts to professional esports and content creation, learn how players earn thousands of dollars monthly from Apex.
The Complete Guide to Making Money with CS2 and CS:GO: 14+ Proven Methods to Earn Real Cash
Discover every way to make money with Counter-Strike 2 and CS:GO. From skin trading and investing to professional esports and content creation, learn how players earn thousands of dollars monthly from CS.
The Complete Guide to Making Money with Entropia Universe: 12+ Proven Methods to Earn Real Cash
Discover every legitimate way to make money with Entropia Universe. From hunting and mining to virtual real estate and crafting, learn how players earn thousands of dollars monthly from this real cash economy MMO.
The Complete Guide to Making Money with FIFA and FC 24: 15+ Proven Methods to Earn Real Cash
Discover every way to make money with FIFA and FC 24. From FUT trading and coin selling to professional esports and content creation, learn how players earn thousands of dollars monthly from FIFA.
The Complete Guide to Making Money with Fortnite: 15+ Proven Methods to Earn Real Cash
Discover every way to make money with Fortnite. From selling accounts with rare skins to competitive gaming and content creation, learn how players earn thousands of dollars monthly from Fortnite.
The Complete Guide to Making Money with League of Legends: 15+ Proven Methods to Earn Real Cash
Discover every way to make money with League of Legends. From selling ranked accounts with rare skins to professional esports and content creation, learn how players earn thousands of dollars monthly from LoL.
The Complete Guide to Making Money with Minecraft: 16+ Proven Methods to Earn Real Cash
Discover every way to make money with Minecraft. From Marketplace creations to server ownership and YouTube content, learn how players earn thousands of dollars monthly from Minecraft.
The Complete Guide to Making Money with Rainbow Six Siege X: 13+ Proven Methods to Earn Real Cash
Discover every way to make money with Rainbow Six Siege. From selling ranked-ready accounts to professional esports and content creation, learn how players earn thousands of dollars monthly from R6.
The Complete Guide to Making Money with Valorant: 14+ Proven Methods to Earn Real Cash
Discover every way to make money with Valorant. From selling ranked accounts to professional esports and content creation, learn how players earn thousands of dollars monthly from Valorant.
Financial Independence for Stay-at-Home Parents: Building Wealth While Raising Kids Without Sacrificing Family Time
Complete roadmap to financial independence for stay-at-home parents. Learn how to build wealth, achieve financial security, and create long-term prosperity while being present for your children.
How to Find Unsaturated Niches: 7-Step Market Research System for Discovering Profitable Low-Competition Markets
Master the exact process for finding untapped niches with high demand and low competition. Complete research methodology to discover profitable unsaturated markets before others do.
How to Make Money as a Stay-at-Home Mom: 25+ Real Ways to Earn Without Sacrificing Family Time
Discover proven ways stay-at-home moms make real money from home. From flexible side hustles to passive income, learn how to earn $500-$5,000+ monthly while raising your kids.
Least Saturated Online Business Ideas: 20+ Untapped Markets You Can Dominate
Discover profitable online business ideas in unsaturated markets with low competition. Complete guide to untapped niches, income potential, and exactly how to start in markets others haven't discovered yet.
Side Hustles for Stay-at-Home Moms: Turn Nap Time Into $500-$3,000 Monthly Income
Discover realistic side hustles perfectly designed for stay-at-home moms' schedules. Earn real money during nap times, screen time, and after bedtime without sacrificing family time.
Stay-at-Home Parent Budget: How to Thrive Financially on One Income Without Constant Sacrifice
Complete guide to managing a one-income family budget with a stay-at-home parent. Proven strategies to save money, eliminate financial stress, and build wealth on a single salary.
Unsaturated Online Businesses You Can Start for Under $500: Low-Budget, High-Opportunity Markets
Start profitable online businesses in unsaturated markets with minimal investment. Complete guide to low-competition opportunities requiring less than $500 to launch.
Unsaturated Service Business Ideas: 15+ High-Demand Markets With Low Competition You Can Start This Month
Discover profitable service business ideas in unsaturated markets. Low startup costs, high demand, minimal competition. Complete guide to launching service businesses where customers actually need you.
Calculating After-Tax Cash Flow: Complete Guide for Investment Analysis
Master after-tax cash flow calculations for real estate and investment analysis. Learn formulas, strategies, and optimization techniques for better investment decisions.
Calculating Sales Tax Worksheets: Complete Guide for Business and Education
Master sales tax calculations with comprehensive worksheets, formulas, and examples. Perfect for business owners, students, and tax professionals.
How to Calculate Provision for Income Taxes: Complete Accounting Guide
Master income tax provision calculations for financial reporting. Learn ASC 740 requirements, deferred tax accounting, and professional calculation methods.
How to Calculate Tax Per Unit: Complete Guide for Business Tax Planning
Learn how to calculate tax per unit for accurate business tax planning. Master unit-based tax calculations, allocation methods, and optimization strategies.
How to Calculate Taxes in Excel: Complete Guide with Formulas and Templates
Master tax calculations in Excel with step-by-step formulas, templates, and advanced techniques. Learn to build comprehensive tax calculators and planning tools.
How to Calculate the Tax Multiplier: Complete Guide to Fiscal Policy Analysis
Master tax multiplier calculations for economic analysis and fiscal policy evaluation. Learn formulas, applications, and real-world examples of multiplier effects.
Tax Calculation Excel Formula: Master Advanced Tax Formulas and Templates
Learn powerful Excel formulas for tax calculations including progressive brackets, deductions, and complex scenarios. Includes downloadable templates and examples.
How to Save $10,000 in 1 Year: 15 Proven Strategies That Actually Work
Step-by-step guide to save $10,000 in 12 months. Proven strategies, monthly breakdown, and actionable tips that have helped thousands reach their savings goals.
How to Save $5,000 in 6 Months: Fast-Track Your Financial Goals
Save $5,000 in just 6 months with these proven rapid-savings strategies. Perfect for emergency funds, vacations, or major purchases. Start today!
How to Save $100,000 in 10 Years: The Ultimate Wealth Building Guide
Master the complete strategy to save $100,000 in 10 years. Build substantial wealth through smart investing, income growth, and compound interest mastery.
How to Save $25,000 in 3 Years: The Strategic Wealth Building Plan
Build substantial wealth with this proven strategy to save $25,000 in 3 years. Perfect balance of aggressive savings and sustainable habits for long-term success.
How to Save $50,000 in 5 Years: The Complete Wealth Building Blueprint
Master the art of saving $50,000 in 5 years with this comprehensive strategy guide. Proven methods for building substantial wealth through smart saving and investing.
The Complete Guide to Making Money with Roblox: 15+ Proven Methods to Earn Real Cash
Discover every legitimate way to make money with Roblox in 2025. From game development to virtual item trading, learn how players earn thousands of dollars monthly from the Roblox platform.
How to Make Money as a 15-Year-Old with No Job: 20 Realistic Ways to Earn Cash
A comprehensive guide for 15-year-olds to make money without a traditional job. Discover legal, practical ways to earn cash through online opportunities, local services, and creative ventures.
401k Contribution Limits for Self-Employed
A complete guide to 401k contribution limits for self-employed individuals in 2025. Learn how much you can contribute, strategies to maximize tax benefits, and common mistakes to avoid.
529 vs UTMA/UGMA: Which is Better for College Savings? The $40K Decision
Compare 529 plans vs UTMA/UGMA accounts for college savings. Discover how choosing the wrong account could cost your child $40,000+ in financial aid eligibility.
Capital Gains Tax Strategies: 15 Expert Ways to Minimize Your Investment Taxes
Master advanced capital gains tax strategies to minimize taxes on stocks, real estate, and investments. Learn professional techniques that could save thousands in taxes.
Can I Cash Out a 401k If I Quit My Job at 30?
Wondering if you can cash out your 401k after quitting a job at 30? Learn the rules, penalties, taxes, and alternatives before making a costly decision.
Estate Tax Planning Strategies: How to Save Your Family Millions in Taxes
Master advanced estate tax planning strategies to minimize federal and state estate taxes. Learn professional techniques that could save your family millions in taxes on wealth transfer.
Financial Aid Impact: How 529 vs Custodial Accounts Could Cost $40K in Aid
Discover how choosing UTMA/UGMA over 529 plans could reduce your child's financial aid by $40,000+. Learn the FAFSA treatment differences and optimization strategies.
How to Rollover a 401k to Roth IRA Without Penalty
A complete guide on rolling over a 401k to a Roth IRA without penalties. Learn the rules, step-by-step process, tax strategies, and mistakes to avoid.
Illinois & Massachusetts Estate Tax: State-Specific Planning Guide to Save Millions
Navigate Illinois estate tax, Massachusetts estate tax, and other state-specific estate planning challenges. Learn domicile strategies and state tax minimization techniques.
Roth Conversion Ladder Strategy: The Ultimate Retirement Tax Planning Guide
Master the Roth conversion ladder strategy to minimize retirement taxes and maximize tax-free income. Learn step-by-step implementation for optimal tax bracket management.
Roth Conversion Tax Strategies: How to Save $200K+ in Retirement Taxes
Discover advanced Roth conversion tax strategies that could save you $200,000+ in retirement taxes. Learn optimal conversion timing, tax bracket management, and RMD reduction techniques.
SmartAsset Tax Calculator vs. Better Alternatives: Complete Comparison Guide
Compare SmartAsset tax calculator with superior alternatives. Discover why advanced calculators provide more accurate results and better tax planning features.
Social Security Claiming Strategies: How to Maximize Your Benefits by $300,000+
Discover proven Social Security claiming strategies that could increase your lifetime benefits by $300,000+. Learn when to claim at 62, 67, or 70 for maximum retirement income.
When to Claim Social Security: 62 vs 67 vs 70 - The $300,000 Decision
Discover the optimal age to claim Social Security benefits. Compare claiming at 62, 67, or 70 and see how your decision could impact your lifetime benefits by $300,000+.
Can Overdraft Fees Be Refunded If It’s Your First Time?
A complete guide on whether banks refund overdraft fees, especially for first-time offenders. Learn how overdrafts work, strategies to get your money back, and tips to avoid future fees.
Complete Guide to 2026 Tax Changes Under the OBBBA - What You Need to Know
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.
Arizona vs California Taxes: Complete Comparison
AZ vs CA tax comparison. California has 13.3% top rate. Arizona has 2.5% flat tax. Phoenix vs LA/San Diego migration guide with calculators.
California vs Florida Taxes: Complete Comparison + Savings Calculator
Comprehensive California vs Florida tax comparison. Compare income tax, sales tax, property tax rates. See exactly how much you could save. Free calculators included.
California vs Nevada Taxes: Complete Comparison
CA vs NV tax comparison. Nevada has no income tax vs California 13.3%. Bay Area to Reno/Vegas migration guide with savings calculators.
California vs Texas Taxes: Complete Comparison + Savings Calculator
Comprehensive California vs Texas tax comparison for 2026. Compare income tax, sales tax, property tax rates. See exactly how much you could save by moving. Free calculators included.
Colorado vs Texas Taxes: Complete Comparison
CO vs TX tax comparison 2026. Colorado has 4.4% flat tax. Texas has no income tax. Denver vs Austin/Dallas comparison with savings calculators.
Illinois vs Texas Taxes: Complete Comparison + Calculator
IL vs TX tax comparison 2026. Texas has no income tax vs Illinois 4.95% flat tax. Chicago to Austin/Dallas migration guide with savings calculators.
Massachusetts vs New Hampshire Taxes: Comparison
MA vs NH tax comparison 2026. New Hampshire has no income tax. Massachusetts has 5% flat tax. Border state comparison with commuter considerations.
New Jersey vs Florida Taxes: Complete Comparison
NJ vs FL tax comparison 2026. New Jersey has the highest property taxes in America. Florida has no income tax. See your savings with our calculators.
New York vs Florida Taxes: Complete Comparison + Savings Calculator
Comprehensive New York vs Florida tax comparison for 2026. Compare income tax, sales tax, property tax rates. See exactly how much you could save by moving to FL. Free calculators included.
New York vs Texas Taxes: Complete Comparison + Calculator
NY vs TX tax comparison 2026. No income tax in Texas vs 10.9% in NY. See your exact savings with our free calculators. Complete guide for those considering relocation.
No Tax on Overtime: Complete Guide to the New 2025 Deduction (Save Up to $4,625)
Complete guide to the No Tax on Overtime deduction (2025-2028). Who qualifies, how to claim up to $12,500 deduction, phase-out rules, filing instructions, and tax-saving strategies.
North Carolina vs South Carolina Taxes
NC vs SC tax comparison 2026. Compare income tax, sales tax, property tax between the Carolinas. Retirement and relocation guide with calculators.
Pennsylvania vs Delaware Taxes: Comparison
PA vs DE tax comparison 2026. Delaware has no sales tax. Compare income tax, property tax, and total tax burden for these neighboring states.
St. Louis County Property Tax Guide: Rates, Exemptions & How to Lower Your Bill
Complete guide to St. Louis County property taxes. Current rates, assessment process, exemptions, appeals, and strategies to lower your property tax bill.
Tennessee vs California Taxes: Complete Comparison
TN vs CA tax comparison 2026. Tennessee has no income tax. California has 13.3%. Nashville boom vs LA/SF. Complete relocation guide with calculators.
Virginia vs Maryland Taxes: DMV Comparison
VA vs MD tax comparison 2026. Compare DC metro area taxes. Income tax, property tax, and sales tax analysis for Virginia and Maryland residents.
Washington vs Oregon Taxes: Complete Comparison
WA vs OR tax comparison 2026. Washington has no income tax. Oregon has no sales tax. Which state wins? Complete analysis with calculators.

Our Tools

Tools to help you manage your finances
1031 Exchange Tax Calculator - Like-Kind Exchange Tax Deferral
Calculate tax deferral benefits and requirements for 1031 like-kind exchanges. Optimize real estate investment strategies with accurate tax analysis.
401(k) Rollover Calculator - Compare Your Options & Maximize Retirement
Free 401(k) rollover calculator comparing traditional IRA, Roth conversion, and cash-out options. Calculate taxes, penalties, and long-term growth to make the best decision.
529 vs UTMA/UGMA Calculator - Education Savings Comparison
Free 529 vs UTMA calculator shows which is better for your family. See how your UTMA could cost your child $40K+ in financial aid. Compare education savings strategies.
Affiliate Program Finder - Generate Google Search Queries to Find Programs
Free affiliate program finder tool. Generate targeted Google dork searches to discover affiliate programs in any niche. Find high-ticket, recurring, and beginner-friendly programs instantly.
After Tax Cash Flow Calculator - Real Estate Investment Analysis
Calculate after-tax cash flow for real estate investments and business analysis. Comprehensive tool for investment decision-making and tax planning.
Amortized Loan Calculator - Mortgage & Loan Payment Calculator
Free amortized loan calculator with payment schedules, extra payment analysis, and comprehensive loan breakdown. Perfect for mortgages, auto loans, and personal loans.
Alternative Minimum Tax Calculator 2026 - Free AMT Calculator
Calculate your 2026 AMT with our free calculator. Determine if you owe Alternative Minimum Tax with new $500K/$1M thresholds and 50% phaseout rate.
Backdoor Roth IRA Calculator - High Income Retirement Strategy
Free backdoor Roth IRA calculator for high earners above income limits. Calculate pro-rata rule impact, tax consequences, and long-term benefits of this advanced strategy.
Capital Gains Tax Calculator - Federal & State Tax Calculator
Free capital gains tax calculator. Calculate federal and state capital gains taxes on stocks, real estate, crypto, and investments. Optimize your tax strategy.
Charitable Remainder Trust Calculator - CRT Tax & Income Analysis
Free CRT calculator for charitable remainder trusts. Calculate CRUT vs CRAT benefits, tax deductions, income streams, and estate planning strategies.
Child Tax Credit Calculator 2026 - Free CTC Calculator
Calculate your 2026 Child Tax Credit with our free calculator. Get instant CTC estimates up to $2,200 per child. Includes refundable portion and phase-out calculations.
Crypto DCA Calculator - Dollar-Cost Averaging Strategy Analysis
Free cryptocurrency DCA calculator to analyze dollar-cost averaging strategies. Calculate Bitcoin, Ethereum returns with volatility and risk analysis.
Real Cost of Debt Calculator - True Lifetime Cost & Opportunity Analysis
Free debt cost calculator reveals the shocking truth. See how your $5,000 credit card debt actually costs $23,000+ over your lifetime with opportunity cost analysis.
Deferred Tax Liability Calculator - ASC 740 Tax Accounting
Calculate deferred tax liabilities and assets for financial reporting. Comprehensive ASC 740 compliance tool for tax accounting professionals.
Earned Income Tax Credit (EITC) Calculator 2026 - Free EITC Estimator
Calculate your 2026 EITC with our free calculator. Get instant estimates for earned income tax credit based on income, children, and filing status. Maximize your refund.
Estate Tax Calculator - Federal, Illinois, Massachusetts & All States
Free estate tax calculator. Calculate federal estate tax, Illinois estate tax, Massachusetts estate tax, and all state taxes. Plan your wealth transfer strategy.
2026 Federal Tax Bracket Calculator - Free Income Tax Calculator
Calculate your 2026 federal income tax with our free calculator. Includes new 2026 tax brackets with 4% inflation adjustment for lower brackets under OBBBA.
HSA Calculator - Triple Tax Advantage Health Savings Account Analysis
Free HSA calculator showing triple tax benefits, investment growth, and retirement healthcare planning. Compare HSA vs traditional savings with detailed tax advantage analysis.
Inflation Savings Calculator - Account for Inflation in Your Goals
Free inflation savings calculator. See how inflation affects your savings goals and how much you really need to save to maintain purchasing power.
ISO Tax Calculator - Incentive Stock Options Tax Calculator
Calculate ISO tax implications including AMT, exercise strategies, and disqualifying dispositions. Optimize your incentive stock option tax planning.
Loan Affordability Calculator - Can You Afford That Loan?
Free loan affordability calculator to check if you can afford a specific loan amount. Calculate maximum loan amounts, required income, and get detailed affordability analysis with DTI ratios.
Michigan Fuel Inventory Tax Calculator - Calculate One-Time Tax on Dec 31, 2025 Inventory
Free Michigan fuel inventory tax calculator. Businesses and end users: calculate the special one-time inventory tax on fuel held December 31, 2025. Due February 20, 2026.
Michigan Gas Tax Calculator 2026 - Calculate Your Fuel Tax Impact
Free Michigan gas tax calculator. Calculate how the new 52.4¢ per gallon fuel tax increase will affect your budget. Includes sales tax elimination benefits and 5-year projections.
Mortgage Refinance Calculator - Should You Refinance Analysis
Free mortgage refinance calculator with break-even analysis. Calculate refinancing savings, closing costs, and determine if refinancing makes financial sense.
NIIT Calculator - Net Investment Income Tax Planning Tool
Free NIIT calculator for 3.8% surtax analysis. Calculate Net Investment Income Tax liability and discover strategies to reduce high-income investment taxes.
No Tax on Overtime Calculator (2025-2028) | Free Federal Tax Deduction Tool
Calculate your No Tax on Overtime deduction. Free calculator shows how much you save with the new 2025 overtime tax deduction. Up to $12,500 single / $25,000 joint.
Opportunity Zone Calculator - QOZ Tax Benefits Analysis
Free Opportunity Zone calculator for 3-tier tax benefits. Calculate QOZ investment tax savings, deferral, step-up basis, and gain elimination strategies.
Private Placement Life Insurance Calculator - PPLI Tax & Estate Benefits
Free PPLI calculator for private placement life insurance. Calculate tax-free growth, death benefits, and estate planning advantages for ultra-high-net-worth individuals.
Prorated Taxes Calculator - Calculate Property Tax Proration
Calculate prorated property taxes for real estate transactions. Accurate proration calculations for buyers, sellers, and real estate professionals.
QBI Deduction Calculator 2026 - Section 199A Pass-Through Deduction
Calculate your 2026 Qualified Business Income deduction with our free Section 199A calculator. Get instant QBI estimates for pass-through businesses, S-corps, and LLCs.
QSBS Calculator - Qualified Small Business Stock Tax Exclusion
Free QSBS calculator for Section 1202 tax exclusion analysis. Calculate potential tax savings up to $10M on qualified small business stock sales.
R&D Tax Credit Calculator - Research & Development Tax Credits
Calculate federal and state R&D tax credits for qualified research activities. Maximize your research and development tax benefits and incentives.
REIT Investment Calculator - Real Estate Investment Trust Analysis
Free REIT calculator to analyze dividend income, tax implications, and total returns. Compare REIT types and optimize your real estate investment strategy.
Roth Conversion Calculator - Tax Bracket Analysis & Strategy
Free Roth conversion calculator with tax bracket analysis. See how converting $50K could save you $200K+ in retirement taxes. Optimize your conversion strategy now.
S Corp Payroll Tax Calculator - Optimize Owner Salary & Tax Savings
Calculate optimal S Corp owner salary and payroll taxes. Maximize tax savings while ensuring IRS compliance with reasonable compensation requirements.
SmartAsset Tax Calculator Alternative - Superior Tax Calculator
Advanced tax calculator that outperforms SmartAsset. Calculate federal and state taxes with detailed breakdowns, optimization tips, and tax law updates.
Social Security Claiming Strategy Calculator - Optimize Your Benefits
Free Social Security calculator shows when to claim benefits. See how claiming at 62 vs 70 could cost you $300K+ over your lifetime. Optimize your strategy now.
Solo 401(k) Calculator - Self-Employed Retirement Planning Tool
Free Solo 401(k) calculator for self-employed individuals and business owners. Calculate maximum contributions, tax savings, and retirement projections.
Standard Deduction Calculator 2026 - Should You Itemize?
Calculate your 2026 standard deduction including NEW $6,000 senior deduction. Compare standard vs itemized deductions to maximize your tax savings.
St. Louis County Personal Property Tax Calculator (Eureka/Rockwood)
Free St. Louis County personal property tax calculator for Eureka and Rockwood School District. Calculate your exact property tax based on 2026 rates. Includes commercial surcharge.
Student Loan Calculator - Plan Your Education Financing
Free student loan calculator with repayment options, grace period analysis, and PSLF calculations. Compare standard, graduated, and income-driven repayment plans.
Surplus Lines Tax Calculator - Insurance Premium Tax Calculator
Calculate surplus lines insurance taxes and fees for non-admitted insurance coverage. State-specific rates and compliance requirements.
Tax Loss Harvesting Calculator - Optimize Investment Tax Strategy
Free tax loss harvesting calculator to maximize tax savings. Calculate optimal loss harvesting, avoid wash sales, and improve portfolio tax efficiency.
Tax Withholding Calculator 2026 - W-4 Withholding Calculator
Calculate proper tax withholding for 2026. Avoid underpayment penalties or large refunds. Get exact withholding amounts per paycheck with our W-4 calculator.