scenario stringclasses 16
values | scenarioType stringclasses 4
values | filingStatus stringclasses 4
values | standardDeduction2026 int64 15k 30k | householdIncome int64 75k 200k | marginalTaxRate float64 0.12 0.24 | loanAmount int64 250k 500k | interestRate float64 6.5 6.5 | year1MortgageInterest int64 15.4k 30.9k | propertyTaxes int64 3k 12k | saltCapApplied bool 2
classes | deductibleSALT int64 6k 10k | totalItemizedDeductions int64 21.9k 41.4k | recommendItemize bool 2
classes | taxBenefit dict | insight stringclasses 71
values | disclaimers listlengths 3 3 | expert stringclasses 1
value | source stringclasses 1
value | taxYear int64 2.03k 2.03k | lastUpdated timestamp[s]date 2026-01-15 00:00:00 2026-01-15 00:00:00 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
refinance - single | refinance | single | 15,000 | 75,000 | 0.12 | 500,000 | 6.5 | 30,875 | 3,000 | false | 6,000 | 37,375 | true | {
"mortgageInterestSavings": 3705,
"itemizedVsStandard": 2685,
"effectiveRateReduction": 4.94
} | Itemizing saves you $2685 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - single | refinance | single | 15,000 | 75,000 | 0.12 | 500,000 | 6.5 | 30,875 | 5,000 | false | 8,000 | 39,375 | true | {
"mortgageInterestSavings": 3705,
"itemizedVsStandard": 2925,
"effectiveRateReduction": 4.94
} | Itemizing saves you $2925 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - single | refinance | single | 15,000 | 75,000 | 0.12 | 500,000 | 6.5 | 30,875 | 8,000 | true | 10,000 | 41,375 | true | {
"mortgageInterestSavings": 3705,
"itemizedVsStandard": 3165,
"effectiveRateReduction": 4.94
} | Itemizing saves you $3165 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - single | refinance | single | 15,000 | 75,000 | 0.12 | 500,000 | 6.5 | 30,875 | 12,000 | true | 10,000 | 41,375 | true | {
"mortgageInterestSavings": 3705,
"itemizedVsStandard": 3165,
"effectiveRateReduction": 4.94
} | Itemizing saves you $3165 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - single | refinance | single | 15,000 | 100,000 | 0.12 | 250,000 | 6.5 | 15,438 | 3,000 | false | 6,000 | 21,938 | true | {
"mortgageInterestSavings": 1853,
"itemizedVsStandard": 833,
"effectiveRateReduction": 1.85
} | Itemizing saves you $833 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - single | refinance | single | 15,000 | 100,000 | 0.12 | 250,000 | 6.5 | 15,438 | 5,000 | false | 8,000 | 23,938 | true | {
"mortgageInterestSavings": 1853,
"itemizedVsStandard": 1073,
"effectiveRateReduction": 1.85
} | Itemizing saves you $1073 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - single | refinance | single | 15,000 | 100,000 | 0.12 | 250,000 | 6.5 | 15,438 | 8,000 | true | 10,000 | 25,938 | true | {
"mortgageInterestSavings": 1853,
"itemizedVsStandard": 1313,
"effectiveRateReduction": 1.85
} | Itemizing saves you $1313 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - single | refinance | single | 15,000 | 100,000 | 0.12 | 250,000 | 6.5 | 15,438 | 12,000 | true | 10,000 | 25,938 | true | {
"mortgageInterestSavings": 1853,
"itemizedVsStandard": 1313,
"effectiveRateReduction": 1.85
} | Itemizing saves you $1313 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - single | refinance | single | 15,000 | 100,000 | 0.12 | 350,000 | 6.5 | 21,613 | 3,000 | false | 6,000 | 28,113 | true | {
"mortgageInterestSavings": 2594,
"itemizedVsStandard": 1574,
"effectiveRateReduction": 2.59
} | Itemizing saves you $1574 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - single | refinance | single | 15,000 | 100,000 | 0.12 | 350,000 | 6.5 | 21,613 | 5,000 | false | 8,000 | 30,113 | true | {
"mortgageInterestSavings": 2594,
"itemizedVsStandard": 1814,
"effectiveRateReduction": 2.59
} | Itemizing saves you $1814 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - single | refinance | single | 15,000 | 100,000 | 0.12 | 350,000 | 6.5 | 21,613 | 8,000 | true | 10,000 | 32,113 | true | {
"mortgageInterestSavings": 2594,
"itemizedVsStandard": 2054,
"effectiveRateReduction": 2.59
} | Itemizing saves you $2054 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - single | refinance | single | 15,000 | 100,000 | 0.12 | 350,000 | 6.5 | 21,613 | 12,000 | true | 10,000 | 32,113 | true | {
"mortgageInterestSavings": 2594,
"itemizedVsStandard": 2054,
"effectiveRateReduction": 2.59
} | Itemizing saves you $2054 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - single | refinance | single | 15,000 | 100,000 | 0.12 | 500,000 | 6.5 | 30,875 | 3,000 | false | 6,000 | 37,375 | true | {
"mortgageInterestSavings": 3705,
"itemizedVsStandard": 2685,
"effectiveRateReduction": 3.71
} | Itemizing saves you $2685 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - single | refinance | single | 15,000 | 100,000 | 0.12 | 500,000 | 6.5 | 30,875 | 5,000 | false | 8,000 | 39,375 | true | {
"mortgageInterestSavings": 3705,
"itemizedVsStandard": 2925,
"effectiveRateReduction": 3.71
} | Itemizing saves you $2925 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - single | refinance | single | 15,000 | 100,000 | 0.12 | 500,000 | 6.5 | 30,875 | 8,000 | true | 10,000 | 41,375 | true | {
"mortgageInterestSavings": 3705,
"itemizedVsStandard": 3165,
"effectiveRateReduction": 3.71
} | Itemizing saves you $3165 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - single | refinance | single | 15,000 | 100,000 | 0.12 | 500,000 | 6.5 | 30,875 | 12,000 | true | 10,000 | 41,375 | true | {
"mortgageInterestSavings": 3705,
"itemizedVsStandard": 3165,
"effectiveRateReduction": 3.71
} | Itemizing saves you $3165 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - single | refinance | single | 15,000 | 150,000 | 0.22 | 250,000 | 6.5 | 15,438 | 3,000 | false | 6,000 | 21,938 | true | {
"mortgageInterestSavings": 3396,
"itemizedVsStandard": 1526,
"effectiveRateReduction": 2.26
} | Itemizing saves you $1526 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - single | refinance | single | 15,000 | 150,000 | 0.22 | 250,000 | 6.5 | 15,438 | 5,000 | false | 8,000 | 23,938 | true | {
"mortgageInterestSavings": 3396,
"itemizedVsStandard": 1966,
"effectiveRateReduction": 2.26
} | Itemizing saves you $1966 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - single | refinance | single | 15,000 | 150,000 | 0.22 | 250,000 | 6.5 | 15,438 | 8,000 | true | 10,000 | 25,938 | true | {
"mortgageInterestSavings": 3396,
"itemizedVsStandard": 2406,
"effectiveRateReduction": 2.26
} | Itemizing saves you $2406 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - single | refinance | single | 15,000 | 150,000 | 0.22 | 250,000 | 6.5 | 15,438 | 12,000 | true | 10,000 | 25,938 | true | {
"mortgageInterestSavings": 3396,
"itemizedVsStandard": 2406,
"effectiveRateReduction": 2.26
} | Itemizing saves you $2406 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - single | refinance | single | 15,000 | 150,000 | 0.22 | 350,000 | 6.5 | 21,613 | 3,000 | false | 6,000 | 28,113 | true | {
"mortgageInterestSavings": 4755,
"itemizedVsStandard": 2885,
"effectiveRateReduction": 3.17
} | Itemizing saves you $2885 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - single | refinance | single | 15,000 | 150,000 | 0.22 | 350,000 | 6.5 | 21,613 | 5,000 | false | 8,000 | 30,113 | true | {
"mortgageInterestSavings": 4755,
"itemizedVsStandard": 3325,
"effectiveRateReduction": 3.17
} | Itemizing saves you $3325 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - single | refinance | single | 15,000 | 150,000 | 0.22 | 350,000 | 6.5 | 21,613 | 8,000 | true | 10,000 | 32,113 | true | {
"mortgageInterestSavings": 4755,
"itemizedVsStandard": 3765,
"effectiveRateReduction": 3.17
} | Itemizing saves you $3765 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - single | refinance | single | 15,000 | 150,000 | 0.22 | 350,000 | 6.5 | 21,613 | 12,000 | true | 10,000 | 32,113 | true | {
"mortgageInterestSavings": 4755,
"itemizedVsStandard": 3765,
"effectiveRateReduction": 3.17
} | Itemizing saves you $3765 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - single | refinance | single | 15,000 | 150,000 | 0.22 | 500,000 | 6.5 | 30,875 | 3,000 | false | 6,000 | 37,375 | true | {
"mortgageInterestSavings": 6793,
"itemizedVsStandard": 4923,
"effectiveRateReduction": 4.53
} | Itemizing saves you $4923 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - single | refinance | single | 15,000 | 150,000 | 0.22 | 500,000 | 6.5 | 30,875 | 5,000 | false | 8,000 | 39,375 | true | {
"mortgageInterestSavings": 6793,
"itemizedVsStandard": 5363,
"effectiveRateReduction": 4.53
} | Itemizing saves you $5363 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - single | refinance | single | 15,000 | 150,000 | 0.22 | 500,000 | 6.5 | 30,875 | 8,000 | true | 10,000 | 41,375 | true | {
"mortgageInterestSavings": 6793,
"itemizedVsStandard": 5803,
"effectiveRateReduction": 4.53
} | Itemizing saves you $5803 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - single | refinance | single | 15,000 | 150,000 | 0.22 | 500,000 | 6.5 | 30,875 | 12,000 | true | 10,000 | 41,375 | true | {
"mortgageInterestSavings": 6793,
"itemizedVsStandard": 5803,
"effectiveRateReduction": 4.53
} | Itemizing saves you $5803 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - single | refinance | single | 15,000 | 200,000 | 0.24 | 250,000 | 6.5 | 15,438 | 3,000 | false | 6,000 | 21,938 | true | {
"mortgageInterestSavings": 3705,
"itemizedVsStandard": 1665,
"effectiveRateReduction": 1.85
} | Itemizing saves you $1665 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - single | refinance | single | 15,000 | 200,000 | 0.24 | 250,000 | 6.5 | 15,438 | 5,000 | false | 8,000 | 23,938 | true | {
"mortgageInterestSavings": 3705,
"itemizedVsStandard": 2145,
"effectiveRateReduction": 1.85
} | Itemizing saves you $2145 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - single | refinance | single | 15,000 | 200,000 | 0.24 | 250,000 | 6.5 | 15,438 | 8,000 | true | 10,000 | 25,938 | true | {
"mortgageInterestSavings": 3705,
"itemizedVsStandard": 2625,
"effectiveRateReduction": 1.85
} | Itemizing saves you $2625 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - single | refinance | single | 15,000 | 200,000 | 0.24 | 250,000 | 6.5 | 15,438 | 12,000 | true | 10,000 | 25,938 | true | {
"mortgageInterestSavings": 3705,
"itemizedVsStandard": 2625,
"effectiveRateReduction": 1.85
} | Itemizing saves you $2625 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - single | refinance | single | 15,000 | 200,000 | 0.24 | 350,000 | 6.5 | 21,613 | 3,000 | false | 6,000 | 28,113 | true | {
"mortgageInterestSavings": 5187,
"itemizedVsStandard": 3147,
"effectiveRateReduction": 2.59
} | Itemizing saves you $3147 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - single | refinance | single | 15,000 | 200,000 | 0.24 | 350,000 | 6.5 | 21,613 | 5,000 | false | 8,000 | 30,113 | true | {
"mortgageInterestSavings": 5187,
"itemizedVsStandard": 3627,
"effectiveRateReduction": 2.59
} | Itemizing saves you $3627 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - single | refinance | single | 15,000 | 200,000 | 0.24 | 350,000 | 6.5 | 21,613 | 8,000 | true | 10,000 | 32,113 | true | {
"mortgageInterestSavings": 5187,
"itemizedVsStandard": 4107,
"effectiveRateReduction": 2.59
} | Itemizing saves you $4107 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - single | refinance | single | 15,000 | 200,000 | 0.24 | 350,000 | 6.5 | 21,613 | 12,000 | true | 10,000 | 32,113 | true | {
"mortgageInterestSavings": 5187,
"itemizedVsStandard": 4107,
"effectiveRateReduction": 2.59
} | Itemizing saves you $4107 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - single | refinance | single | 15,000 | 200,000 | 0.24 | 500,000 | 6.5 | 30,875 | 3,000 | false | 6,000 | 37,375 | true | {
"mortgageInterestSavings": 7410,
"itemizedVsStandard": 5370,
"effectiveRateReduction": 3.71
} | Itemizing saves you $5370 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - single | refinance | single | 15,000 | 200,000 | 0.24 | 500,000 | 6.5 | 30,875 | 5,000 | false | 8,000 | 39,375 | true | {
"mortgageInterestSavings": 7410,
"itemizedVsStandard": 5850,
"effectiveRateReduction": 3.71
} | Itemizing saves you $5850 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - single | refinance | single | 15,000 | 200,000 | 0.24 | 500,000 | 6.5 | 30,875 | 8,000 | true | 10,000 | 41,375 | true | {
"mortgageInterestSavings": 7410,
"itemizedVsStandard": 6330,
"effectiveRateReduction": 3.71
} | Itemizing saves you $6330 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - single | refinance | single | 15,000 | 200,000 | 0.24 | 500,000 | 6.5 | 30,875 | 12,000 | true | 10,000 | 41,375 | true | {
"mortgageInterestSavings": 7410,
"itemizedVsStandard": 6330,
"effectiveRateReduction": 3.71
} | Itemizing saves you $6330 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 75,000 | 0.12 | 250,000 | 6.5 | 15,438 | 3,000 | false | 6,000 | 21,938 | false | {
"mortgageInterestSavings": 0,
"itemizedVsStandard": 0,
"effectiveRateReduction": 0
} | The standard deduction is better for you. Your itemized deductions ($21938) don't exceed $30000. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 75,000 | 0.12 | 250,000 | 6.5 | 15,438 | 5,000 | false | 8,000 | 23,938 | false | {
"mortgageInterestSavings": 0,
"itemizedVsStandard": 0,
"effectiveRateReduction": 0
} | The standard deduction is better for you. Your itemized deductions ($23938) don't exceed $30000. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 75,000 | 0.12 | 250,000 | 6.5 | 15,438 | 8,000 | true | 10,000 | 25,938 | false | {
"mortgageInterestSavings": 0,
"itemizedVsStandard": 0,
"effectiveRateReduction": 0
} | The standard deduction is better for you. Your itemized deductions ($25938) don't exceed $30000. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 75,000 | 0.12 | 250,000 | 6.5 | 15,438 | 12,000 | true | 10,000 | 25,938 | false | {
"mortgageInterestSavings": 0,
"itemizedVsStandard": 0,
"effectiveRateReduction": 0
} | The standard deduction is better for you. Your itemized deductions ($25938) don't exceed $30000. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 75,000 | 0.12 | 350,000 | 6.5 | 21,613 | 3,000 | false | 6,000 | 28,113 | false | {
"mortgageInterestSavings": 0,
"itemizedVsStandard": 0,
"effectiveRateReduction": 0
} | The standard deduction is better for you. Your itemized deductions ($28113) don't exceed $30000. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 75,000 | 0.12 | 350,000 | 6.5 | 21,613 | 5,000 | false | 8,000 | 30,113 | true | {
"mortgageInterestSavings": 2594,
"itemizedVsStandard": 14,
"effectiveRateReduction": 3.46
} | Itemizing saves you $14 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 75,000 | 0.12 | 350,000 | 6.5 | 21,613 | 8,000 | true | 10,000 | 32,113 | true | {
"mortgageInterestSavings": 2594,
"itemizedVsStandard": 254,
"effectiveRateReduction": 3.46
} | Itemizing saves you $254 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 75,000 | 0.12 | 350,000 | 6.5 | 21,613 | 12,000 | true | 10,000 | 32,113 | true | {
"mortgageInterestSavings": 2594,
"itemizedVsStandard": 254,
"effectiveRateReduction": 3.46
} | Itemizing saves you $254 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 75,000 | 0.12 | 500,000 | 6.5 | 30,875 | 3,000 | false | 6,000 | 37,375 | true | {
"mortgageInterestSavings": 3705,
"itemizedVsStandard": 885,
"effectiveRateReduction": 4.94
} | Itemizing saves you $885 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 75,000 | 0.12 | 500,000 | 6.5 | 30,875 | 5,000 | false | 8,000 | 39,375 | true | {
"mortgageInterestSavings": 3705,
"itemizedVsStandard": 1125,
"effectiveRateReduction": 4.94
} | Itemizing saves you $1125 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 75,000 | 0.12 | 500,000 | 6.5 | 30,875 | 8,000 | true | 10,000 | 41,375 | true | {
"mortgageInterestSavings": 3705,
"itemizedVsStandard": 1365,
"effectiveRateReduction": 4.94
} | Itemizing saves you $1365 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 75,000 | 0.12 | 500,000 | 6.5 | 30,875 | 12,000 | true | 10,000 | 41,375 | true | {
"mortgageInterestSavings": 3705,
"itemizedVsStandard": 1365,
"effectiveRateReduction": 4.94
} | Itemizing saves you $1365 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 100,000 | 0.12 | 250,000 | 6.5 | 15,438 | 3,000 | false | 6,000 | 21,938 | false | {
"mortgageInterestSavings": 0,
"itemizedVsStandard": 0,
"effectiveRateReduction": 0
} | The standard deduction is better for you. Your itemized deductions ($21938) don't exceed $30000. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 100,000 | 0.12 | 250,000 | 6.5 | 15,438 | 5,000 | false | 8,000 | 23,938 | false | {
"mortgageInterestSavings": 0,
"itemizedVsStandard": 0,
"effectiveRateReduction": 0
} | The standard deduction is better for you. Your itemized deductions ($23938) don't exceed $30000. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 100,000 | 0.12 | 250,000 | 6.5 | 15,438 | 8,000 | true | 10,000 | 25,938 | false | {
"mortgageInterestSavings": 0,
"itemizedVsStandard": 0,
"effectiveRateReduction": 0
} | The standard deduction is better for you. Your itemized deductions ($25938) don't exceed $30000. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 100,000 | 0.12 | 250,000 | 6.5 | 15,438 | 12,000 | true | 10,000 | 25,938 | false | {
"mortgageInterestSavings": 0,
"itemizedVsStandard": 0,
"effectiveRateReduction": 0
} | The standard deduction is better for you. Your itemized deductions ($25938) don't exceed $30000. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 100,000 | 0.12 | 350,000 | 6.5 | 21,613 | 3,000 | false | 6,000 | 28,113 | false | {
"mortgageInterestSavings": 0,
"itemizedVsStandard": 0,
"effectiveRateReduction": 0
} | The standard deduction is better for you. Your itemized deductions ($28113) don't exceed $30000. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 100,000 | 0.12 | 350,000 | 6.5 | 21,613 | 5,000 | false | 8,000 | 30,113 | true | {
"mortgageInterestSavings": 2594,
"itemizedVsStandard": 14,
"effectiveRateReduction": 2.59
} | Itemizing saves you $14 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 100,000 | 0.12 | 350,000 | 6.5 | 21,613 | 8,000 | true | 10,000 | 32,113 | true | {
"mortgageInterestSavings": 2594,
"itemizedVsStandard": 254,
"effectiveRateReduction": 2.59
} | Itemizing saves you $254 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 100,000 | 0.12 | 350,000 | 6.5 | 21,613 | 12,000 | true | 10,000 | 32,113 | true | {
"mortgageInterestSavings": 2594,
"itemizedVsStandard": 254,
"effectiveRateReduction": 2.59
} | Itemizing saves you $254 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 100,000 | 0.12 | 500,000 | 6.5 | 30,875 | 3,000 | false | 6,000 | 37,375 | true | {
"mortgageInterestSavings": 3705,
"itemizedVsStandard": 885,
"effectiveRateReduction": 3.71
} | Itemizing saves you $885 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 100,000 | 0.12 | 500,000 | 6.5 | 30,875 | 5,000 | false | 8,000 | 39,375 | true | {
"mortgageInterestSavings": 3705,
"itemizedVsStandard": 1125,
"effectiveRateReduction": 3.71
} | Itemizing saves you $1125 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 100,000 | 0.12 | 500,000 | 6.5 | 30,875 | 8,000 | true | 10,000 | 41,375 | true | {
"mortgageInterestSavings": 3705,
"itemizedVsStandard": 1365,
"effectiveRateReduction": 3.71
} | Itemizing saves you $1365 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 100,000 | 0.12 | 500,000 | 6.5 | 30,875 | 12,000 | true | 10,000 | 41,375 | true | {
"mortgageInterestSavings": 3705,
"itemizedVsStandard": 1365,
"effectiveRateReduction": 3.71
} | Itemizing saves you $1365 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 150,000 | 0.22 | 250,000 | 6.5 | 15,438 | 3,000 | false | 6,000 | 21,938 | false | {
"mortgageInterestSavings": 0,
"itemizedVsStandard": 0,
"effectiveRateReduction": 0
} | The standard deduction is better for you. Your itemized deductions ($21938) don't exceed $30000. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 150,000 | 0.22 | 250,000 | 6.5 | 15,438 | 5,000 | false | 8,000 | 23,938 | false | {
"mortgageInterestSavings": 0,
"itemizedVsStandard": 0,
"effectiveRateReduction": 0
} | The standard deduction is better for you. Your itemized deductions ($23938) don't exceed $30000. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 150,000 | 0.22 | 250,000 | 6.5 | 15,438 | 8,000 | true | 10,000 | 25,938 | false | {
"mortgageInterestSavings": 0,
"itemizedVsStandard": 0,
"effectiveRateReduction": 0
} | The standard deduction is better for you. Your itemized deductions ($25938) don't exceed $30000. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 150,000 | 0.22 | 250,000 | 6.5 | 15,438 | 12,000 | true | 10,000 | 25,938 | false | {
"mortgageInterestSavings": 0,
"itemizedVsStandard": 0,
"effectiveRateReduction": 0
} | The standard deduction is better for you. Your itemized deductions ($25938) don't exceed $30000. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 150,000 | 0.22 | 350,000 | 6.5 | 21,613 | 3,000 | false | 6,000 | 28,113 | false | {
"mortgageInterestSavings": 0,
"itemizedVsStandard": 0,
"effectiveRateReduction": 0
} | The standard deduction is better for you. Your itemized deductions ($28113) don't exceed $30000. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 150,000 | 0.22 | 350,000 | 6.5 | 21,613 | 5,000 | false | 8,000 | 30,113 | true | {
"mortgageInterestSavings": 4755,
"itemizedVsStandard": 25,
"effectiveRateReduction": 3.17
} | Itemizing saves you $25 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 150,000 | 0.22 | 350,000 | 6.5 | 21,613 | 8,000 | true | 10,000 | 32,113 | true | {
"mortgageInterestSavings": 4755,
"itemizedVsStandard": 465,
"effectiveRateReduction": 3.17
} | Itemizing saves you $465 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 150,000 | 0.22 | 350,000 | 6.5 | 21,613 | 12,000 | true | 10,000 | 32,113 | true | {
"mortgageInterestSavings": 4755,
"itemizedVsStandard": 465,
"effectiveRateReduction": 3.17
} | Itemizing saves you $465 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 150,000 | 0.22 | 500,000 | 6.5 | 30,875 | 3,000 | false | 6,000 | 37,375 | true | {
"mortgageInterestSavings": 6793,
"itemizedVsStandard": 1623,
"effectiveRateReduction": 4.53
} | Itemizing saves you $1623 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 150,000 | 0.22 | 500,000 | 6.5 | 30,875 | 5,000 | false | 8,000 | 39,375 | true | {
"mortgageInterestSavings": 6793,
"itemizedVsStandard": 2063,
"effectiveRateReduction": 4.53
} | Itemizing saves you $2063 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 150,000 | 0.22 | 500,000 | 6.5 | 30,875 | 8,000 | true | 10,000 | 41,375 | true | {
"mortgageInterestSavings": 6793,
"itemizedVsStandard": 2503,
"effectiveRateReduction": 4.53
} | Itemizing saves you $2503 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 150,000 | 0.22 | 500,000 | 6.5 | 30,875 | 12,000 | true | 10,000 | 41,375 | true | {
"mortgageInterestSavings": 6793,
"itemizedVsStandard": 2503,
"effectiveRateReduction": 4.53
} | Itemizing saves you $2503 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 200,000 | 0.24 | 250,000 | 6.5 | 15,438 | 3,000 | false | 6,000 | 21,938 | false | {
"mortgageInterestSavings": 0,
"itemizedVsStandard": 0,
"effectiveRateReduction": 0
} | The standard deduction is better for you. Your itemized deductions ($21938) don't exceed $30000. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 200,000 | 0.24 | 250,000 | 6.5 | 15,438 | 5,000 | false | 8,000 | 23,938 | false | {
"mortgageInterestSavings": 0,
"itemizedVsStandard": 0,
"effectiveRateReduction": 0
} | The standard deduction is better for you. Your itemized deductions ($23938) don't exceed $30000. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 200,000 | 0.24 | 250,000 | 6.5 | 15,438 | 8,000 | true | 10,000 | 25,938 | false | {
"mortgageInterestSavings": 0,
"itemizedVsStandard": 0,
"effectiveRateReduction": 0
} | The standard deduction is better for you. Your itemized deductions ($25938) don't exceed $30000. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 200,000 | 0.24 | 250,000 | 6.5 | 15,438 | 12,000 | true | 10,000 | 25,938 | false | {
"mortgageInterestSavings": 0,
"itemizedVsStandard": 0,
"effectiveRateReduction": 0
} | The standard deduction is better for you. Your itemized deductions ($25938) don't exceed $30000. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 200,000 | 0.24 | 350,000 | 6.5 | 21,613 | 3,000 | false | 6,000 | 28,113 | false | {
"mortgageInterestSavings": 0,
"itemizedVsStandard": 0,
"effectiveRateReduction": 0
} | The standard deduction is better for you. Your itemized deductions ($28113) don't exceed $30000. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 200,000 | 0.24 | 350,000 | 6.5 | 21,613 | 5,000 | false | 8,000 | 30,113 | true | {
"mortgageInterestSavings": 5187,
"itemizedVsStandard": 27,
"effectiveRateReduction": 2.59
} | Itemizing saves you $27 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 200,000 | 0.24 | 350,000 | 6.5 | 21,613 | 8,000 | true | 10,000 | 32,113 | true | {
"mortgageInterestSavings": 5187,
"itemizedVsStandard": 507,
"effectiveRateReduction": 2.59
} | Itemizing saves you $507 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 200,000 | 0.24 | 350,000 | 6.5 | 21,613 | 12,000 | true | 10,000 | 32,113 | true | {
"mortgageInterestSavings": 5187,
"itemizedVsStandard": 507,
"effectiveRateReduction": 2.59
} | Itemizing saves you $507 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 200,000 | 0.24 | 500,000 | 6.5 | 30,875 | 3,000 | false | 6,000 | 37,375 | true | {
"mortgageInterestSavings": 7410,
"itemizedVsStandard": 1770,
"effectiveRateReduction": 3.71
} | Itemizing saves you $1770 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 200,000 | 0.24 | 500,000 | 6.5 | 30,875 | 5,000 | false | 8,000 | 39,375 | true | {
"mortgageInterestSavings": 7410,
"itemizedVsStandard": 2250,
"effectiveRateReduction": 3.71
} | Itemizing saves you $2250 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 200,000 | 0.24 | 500,000 | 6.5 | 30,875 | 8,000 | true | 10,000 | 41,375 | true | {
"mortgageInterestSavings": 7410,
"itemizedVsStandard": 2730,
"effectiveRateReduction": 3.71
} | Itemizing saves you $2730 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-jointly | refinance | married-jointly | 30,000 | 200,000 | 0.24 | 500,000 | 6.5 | 30,875 | 12,000 | true | 10,000 | 41,375 | true | {
"mortgageInterestSavings": 7410,
"itemizedVsStandard": 2730,
"effectiveRateReduction": 3.71
} | Itemizing saves you $2730 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-separately | refinance | married-separately | 15,000 | 75,000 | 0.12 | 250,000 | 6.5 | 15,438 | 3,000 | false | 6,000 | 21,938 | true | {
"mortgageInterestSavings": 1853,
"itemizedVsStandard": 833,
"effectiveRateReduction": 2.47
} | Itemizing saves you $833 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-separately | refinance | married-separately | 15,000 | 75,000 | 0.12 | 250,000 | 6.5 | 15,438 | 5,000 | false | 8,000 | 23,938 | true | {
"mortgageInterestSavings": 1853,
"itemizedVsStandard": 1073,
"effectiveRateReduction": 2.47
} | Itemizing saves you $1073 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-separately | refinance | married-separately | 15,000 | 75,000 | 0.12 | 250,000 | 6.5 | 15,438 | 8,000 | true | 10,000 | 25,938 | true | {
"mortgageInterestSavings": 1853,
"itemizedVsStandard": 1313,
"effectiveRateReduction": 2.47
} | Itemizing saves you $1313 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-separately | refinance | married-separately | 15,000 | 75,000 | 0.12 | 250,000 | 6.5 | 15,438 | 12,000 | true | 10,000 | 25,938 | true | {
"mortgageInterestSavings": 1853,
"itemizedVsStandard": 1313,
"effectiveRateReduction": 2.47
} | Itemizing saves you $1313 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-separately | refinance | married-separately | 15,000 | 75,000 | 0.12 | 350,000 | 6.5 | 21,613 | 3,000 | false | 6,000 | 28,113 | true | {
"mortgageInterestSavings": 2594,
"itemizedVsStandard": 1574,
"effectiveRateReduction": 3.46
} | Itemizing saves you $1574 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-separately | refinance | married-separately | 15,000 | 75,000 | 0.12 | 350,000 | 6.5 | 21,613 | 5,000 | false | 8,000 | 30,113 | true | {
"mortgageInterestSavings": 2594,
"itemizedVsStandard": 1814,
"effectiveRateReduction": 3.46
} | Itemizing saves you $1814 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-separately | refinance | married-separately | 15,000 | 75,000 | 0.12 | 350,000 | 6.5 | 21,613 | 8,000 | true | 10,000 | 32,113 | true | {
"mortgageInterestSavings": 2594,
"itemizedVsStandard": 2054,
"effectiveRateReduction": 3.46
} | Itemizing saves you $2054 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-separately | refinance | married-separately | 15,000 | 75,000 | 0.12 | 350,000 | 6.5 | 21,613 | 12,000 | true | 10,000 | 32,113 | true | {
"mortgageInterestSavings": 2594,
"itemizedVsStandard": 2054,
"effectiveRateReduction": 3.46
} | Itemizing saves you $2054 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-separately | refinance | married-separately | 15,000 | 75,000 | 0.12 | 500,000 | 6.5 | 30,875 | 3,000 | false | 6,000 | 37,375 | true | {
"mortgageInterestSavings": 3705,
"itemizedVsStandard": 2685,
"effectiveRateReduction": 4.94
} | Itemizing saves you $2685 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-separately | refinance | married-separately | 15,000 | 75,000 | 0.12 | 500,000 | 6.5 | 30,875 | 5,000 | false | 8,000 | 39,375 | true | {
"mortgageInterestSavings": 3705,
"itemizedVsStandard": 2925,
"effectiveRateReduction": 4.94
} | Itemizing saves you $2925 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-separately | refinance | married-separately | 15,000 | 75,000 | 0.12 | 500,000 | 6.5 | 30,875 | 8,000 | true | 10,000 | 41,375 | true | {
"mortgageInterestSavings": 3705,
"itemizedVsStandard": 3165,
"effectiveRateReduction": 4.94
} | Itemizing saves you $3165 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
refinance - married-separately | refinance | married-separately | 15,000 | 75,000 | 0.12 | 500,000 | 6.5 | 30,875 | 12,000 | true | 10,000 | 41,375 | true | {
"mortgageInterestSavings": 3705,
"itemizedVsStandard": 3165,
"effectiveRateReduction": 4.94
} | Itemizing saves you $3165 more than the standard deduction. | [
"This is for educational purposes only and not tax advice",
"Consult a licensed CPA for your specific situation",
"Tax laws are subject to change"
] | Wendy Thompson, CDLP | WTLT CPA Tax Impact Calculator | 2,026 | 2026-01-15T00:00:00 |
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