NoFussMoney
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About NoFussMoney

NoFussMoney was built around one idea: the internet is full of financial calculators wrapped in pop-ups, auto-playing ads, and forced sign-ups. I wanted a set of tools that just answers the question - how much will my paycheck actually be, what's my real car payment, how fast can I pay off this debt - instantly, for free, with no account required.

Who builds this

I'm Jefferson Almeida. I built and maintain every calculator on this site.

My background is mathematics - a postgraduate specialization from Oswaldo Cruz University in São Paulo (2001), alongside one in Network Computing from FASP (2000), which is the other half of why this runs as working software rather than a spreadsheet you have to download. I later completed a 374-hour postgraduate program in value investing at UNIBTA (2023-2024).

What that background is: the reason the arithmetic here is right - the amortization schedules, the effective-APR solve, the compounding, the marginal-bracket math. What it is not: a US tax or payroll credential. I am not a CPA, an enrolled agent, or a financial advisor, and nothing on this site is advice. Every tool states what it does and does not account for, and when real money rides on the answer, confirm it with a professional.

How the figures get verified

Every tool that carries a tax or payroll figure shows a "Figures last verified" line naming its source and the date it was checked. Those sources are primary documents, not other people's summaries of them:

  • Federal brackets, standard deduction and withholding - IRS Revenue Procedure 2025-32.
  • Social Security wage base, FICA and Additional Medicare Tax - Social Security Administration annual announcement; IRS Publication 15.
  • The 2026 senior deduction and age-65 additional standard deduction - IRC §151(d)(5)(C) as added by the One Big Beautiful Bill Act (Pub. L. 119-21 §70103), and IRC §63(f).
  • State and local sales tax rates - Tax Foundation, State and Local Sales Tax Rates, Midyear 2026.
  • Overtime rules - Department of Labor, FLSA Section 7, plus the daily-overtime statutes for California, Colorado, Alaska and Nevada.
  • The 2026 overtime and tips deductions - IRS Fact Sheet FS-2026-13 (6 August 2026) and the final tipped-occupation regulations effective 12 June 2026.
  • Exchange rates - European Central Bank daily reference rates, fetched live when the page loads.
  • APR methodology - the Truth in Lending Act, 15 U.S.C. §1601 et seq.

Two dates appear on each tool and they mean different things. Last updated is when I last edited the page. Figures last verified is when I last re-checked the underlying data against its source - I do not move that date without actually re-opening the source document. Tax figures get a full re-check every January, when the IRS publishes its inflation adjustments.

The calculators are also deliberately simplified in places, for speed and for clarity. Where that happens, the tool says so: the paycheck calculator does not model every local income tax, the auto loan calculator assumes a fixed rate, the currency converter shows mid-market rates rather than the dealing rate your bank will give you. Knowing what a tool leaves out is the difference between an estimate you can use and a number you shouldn't trust.

How this site is funded

NoFussMoney is free to use and supported by display advertising and, where relevant, affiliate partnerships - if you sign up for a product through a link on this site, I may earn a commission at no cost to you. This never affects which tools get built or what the calculators tell you. I don't sell your data, because I don't collect any: these calculators run entirely in your browser, and nothing you type is sent to a server.

Questions or corrections?

If you spot an error in a tax rate, a broken calculator, or anything else, I want to hear about it - corrections are how the "last verified" dates stay honest. Get in touch via the contact page.