2026 household impact estimate
This application determines what the Trump Administration cost me this year.
Tariffs, the 2026 tax changes and the end of the enhanced health insurance subsidies all push your budget in different directions. Answer a few questions and see your own number, line by line.
About two minutes. The arithmetic happens in your browser — your answers are never stored, and no account is needed.
Six things changed. Here's what we do with them.
Every line in your result comes from one of these, and every number behind them is published on the method page.
Tariffs, on everything you buy
Duties on imported goods raise the price of what's on the shelf. We scale the cost to how much of your income you actually spend, and to prices where you live.
Federal income tax
The 2025 tax law made the 2017 rate structure permanent, enlarged the child credit and the standard deduction, and lifted the cap on state and local tax deductions. We compute your bill under it, and under what would have happened without it.
Health insurance premiums
The enhanced ACA subsidies expired at the end of 2025, and Medicare's standard premium rises again. For marketplace plans we model both the higher premium and the return of the subsidy cliff at 400% of the poverty line.
A car, if you bought one
Vehicle duties and parts costs sit in the sticker price, and the electric vehicle credits ended on 30 September 2025. On the other side, the interest on a new US-assembled car loan is now deductible.
A home, if you bought one
Building materials carry duties that show up in the price, and the larger state and local tax cap changes what a homeowner can deduct.
Student loan payments
Borrowers were moved off the SAVE repayment plan onto plans with higher required payments — the fastest-moving line on many household budgets.
A model you can read, not a black box.
Most calculators give you a verdict. This one shows its working — because on questions like these, the assumptions matter more than the answer.
- 01
Answer six short sections
Where you live, who's in the household, what you earn, whether you bought a car or a home, and how you're insured. Nothing is stored and no account is needed.
- 02
We work the model
Your answers run through the tax rules, the tariff assumptions and the insurance projections, and every line is computed separately so you can see where the money goes.
- 03
You get one number
A net figure for the year, a monthly equivalent, and a line-by-line breakdown showing what costs you more and what saves you money.
Every figure is on the table.
The tariff pass-through rate, the expected premium increase, the spending share applied to each income band — all of it is listed with the value used and a note on where it came from.
Disagree with one? It's one number in one file. This tool is built to be argued with, not to be trusted blindly.
Two minutes from now you'll know your number.
Six short sections, no account, nothing stored. At the end you get a single figure for the year and the list of changes that produced it.
This is an estimate, not a tax return or financial advice. It models federal policy only — state and local taxes, and changes to benefit eligibility, aren't counted.