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United States Investments Calculators

Free, localized investments planning tools updated for the 2026 financial year in United States.

Family loans live or die on one number: the IRS Applicable Federal Rate. Charge a relative less than the AFR for the month the loan is made and the difference becomes imputed interest, taxable to you and creeping into gift territory. The August 2026 calculator applies the actual published rates from Rev. Rul. 2026-13, short-term 4.10%, mid-term 4.35%, long-term 4.92%, against your loan's size, term, and rate, and flags the $10,000 de minimis and $100,000 investment-income exceptions that keep small family loans out of trouble.

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IRS August 2026 AFR Intra-Family Loan Calculator

Calculate statutory August 2026 IRS Applicable Federal Rates (AFR) for intra-family loans and check imputed interest gift tax risk under RR-2026-12.

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Government-Sourced DataAll calculators built from official regulatory sources by Galvin Mendonca, Finance Researcher
All figures from primary government sources. Last updated July 2026.

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