Company · Reference library
Sources & References
Every primary source cited across ToolGrym's calculators and guides — government agencies, regulators, and other authoritative publishers — in one place.
Every factual claim and formula on this site links back to a primary source at the bottom of its page. This page collects all of them in one place: every citation currently used across ToolGrym's calculators and guides, deduplicated and grouped by publisher. It's generated directly from the same data that powers each page's "Sources" section, so it can't drift out of sync with what's actually cited.
See the editorial policy for how sources are chosen and how claims are checked against them.
144
Unique primary references
24
Authoritative publishers
answers.hud.gov01 source
Consumer Financial Protection Bureau (CFPB)58 sources
- CFPB - Shop for title insurance and closing serviceswww.consumerfinance.gov
- CFPB - What are all the costs of buying a home?www.consumerfinance.gov
- CFPB — Ability-to-Repay and Qualified Mortgage rulewww.consumerfinance.gov
- CFPB — Adjustable-rate mortgageswww.consumerfinance.gov
- CFPB — Auto-loan key termswww.consumerfinance.gov
- CFPB — Compare Loan Estimateswww.consumerfinance.gov
- CFPB — Consolidating credit-card debtwww.consumerfinance.gov
- CFPB — Credit cardswww.consumerfinance.gov
- CFPB — Credit counseling, settlement, consolidation, and repairwww.consumerfinance.gov
- CFPB — Decide how much you want to spend on a homewww.consumerfinance.gov
- CFPB — Get to know loan costswww.consumerfinance.gov
- CFPB — HELOC bookletwww.consumerfinance.gov
- CFPB — How can I figure out if I can afford to buy a home?www.consumerfinance.gov
- CFPB — How can I pay off my mortgage faster?www.consumerfinance.gov
- CFPB — How to tell fixed from adjustablewww.consumerfinance.gov
- CFPB — How to use lender credits and pointswww.consumerfinance.gov
- CFPB — Interest rate versus APRwww.consumerfinance.gov
- CFPB — Making the decision to rent or buywww.consumerfinance.gov
- CFPB — No-closing-cost refinancingwww.consumerfinance.gov
- CFPB — Personal installment loan feeswww.consumerfinance.gov
- CFPB — Personal loanswww.consumerfinance.gov
- CFPB — Principal and interest versus total mortgage paymentwww.consumerfinance.gov
- CFPB — Ready to buy a home?www.consumerfinance.gov
- CFPB — Regulation D ARM and HELOC limitswww.consumerfinance.gov
- CFPB — Start small, save upwww.consumerfinance.gov
- CFPB — Three-year payoff disclosurewww.consumerfinance.gov
- CFPB — Trading in a car that is not paid offwww.consumerfinance.gov
- CFPB — Trends in discount points and break-evenwww.consumerfinance.gov
- CFPB — Understanding minimum paymentswww.consumerfinance.gov
- CFPB — What is a HELOC?www.consumerfinance.gov
- CFPB — What is a home equity loan?www.consumerfinance.gov
- CFPB — What is a prepayment penalty?www.consumerfinance.gov
- CFPB — What is private mortgage insurance?www.consumerfinance.gov
- CFPB — What to do if you cannot pay credit-card billswww.consumerfinance.gov
- CFPB — When can I remove PMI?www.consumerfinance.gov
- CFPB Regulation Z — Repayment disclosureswww.consumerfinance.gov
- Consumer Financial Protection Bureau — An essential guide to building an emergency fundwww.consumerfinance.gov
- Consumer Financial Protection Bureau — Auto loanswww.consumerfinance.gov
- Consumer Financial Protection Bureau — Balance transfer fees on 0% offerswww.consumerfinance.gov
- Consumer Financial Protection Bureau — Budgeting worksheetwww.consumerfinance.gov
- Consumer Financial Protection Bureau — Closing checklistwww.consumerfinance.gov
- Consumer Financial Protection Bureau — Closing Disclosure explainerwww.consumerfinance.gov
- Consumer Financial Protection Bureau — Credit card key termswww.consumerfinance.gov
- Consumer Financial Protection Bureau — Financial well-being resourceswww.consumerfinance.gov
- Consumer Financial Protection Bureau — Getting out of debtwww.consumerfinance.gov
- Consumer Financial Protection Bureau — How paying down a mortgage workswww.consumerfinance.gov
- Consumer Financial Protection Bureau — Know Before You Owe: Credit cardswww.consumerfinance.gov
- Consumer Financial Protection Bureau — Loan Estimate explainerwww.consumerfinance.gov
- Consumer Financial Protection Bureau — Mortgage key termswww.consumerfinance.gov
- Consumer Financial Protection Bureau — Mortgage servicer federal ruleswww.consumerfinance.gov
- Consumer Financial Protection Bureau — Owning a Home: Explore interest rateswww.consumerfinance.gov
- Consumer Financial Protection Bureau — Promotional APR marketing bulletinwww.consumerfinance.gov
- Consumer Financial Protection Bureau — Start Small, Save Upwww.consumerfinance.gov
- Consumer Financial Protection Bureau — Student loanswww.consumerfinance.gov
- Consumer Financial Protection Bureau — What is a debt-to-income ratio?www.consumerfinance.gov
- Consumer Financial Protection Bureau — What is a qualified mortgage?www.consumerfinance.gov
- Consumer Financial Protection Bureau — What is amortization?www.consumerfinance.gov
- Consumer Financial Protection Bureau — Your home loan toolkitwww.consumerfinance.gov
consumer.gov01 source
Federal Deposit Insurance Corporation (FDIC)07 sources
- FDIC — Certificates of depositwww.fdic.gov
- FDIC — Consumer Resource Centerwww.fdic.gov
- FDIC — Deposit accounts and disclosureswww.fdic.gov
- FDIC — Deposit insurancewww.fdic.gov
- FDIC — Money Smart for Adultswww.fdic.gov
- FDIC — National rates and rate caps for deposit accountswww.fdic.gov
- FDIC — Shopping for a certificate of depositwww.fdic.gov
Federal Reserve05 sources
- Federal Reserve — Consumer Credit (G.19), including average credit card rateswww.federalreserve.gov
- Federal Reserve — Credit card regulationswww.federalreserve.gov
- Federal Reserve — Report on the Economic Well-Being of U.S. Householdswww.federalreserve.gov
- Federal Reserve — Survey of Consumer Financeswww.federalreserve.gov
- Federal Reserve — Why does the Federal Reserve aim for inflation of 2 percent?www.federalreserve.gov
Federal Student Aid (U.S. Department of Education)02 sources
Federal Trade Commission (FTC)02 sources
files.consumerfinance.gov01 source
Freddie Mac01 source
Harvard Business Review01 source
Internal Revenue Service (IRS)24 sources
- IRS — 2026 retirement contribution limitswww.irs.gov
- IRS — 2026 tax inflation adjustmentswww.irs.gov
- IRS — 2026 Tax Withholding and Estimated Taxwww.irs.gov
- IRS — 401(k) contribution limitswww.irs.gov
- IRS — Estimated tax FAQswww.irs.gov
- IRS — Federal income tax rates and bracketswww.irs.gov
- IRS — Form 1040-ESwww.irs.gov
- IRS — Individual retirement arrangementswww.irs.gov
- IRS — IRA contribution limitswww.irs.gov
- IRS — Required minimum distributionswww.irs.gov
- IRS — Revenue Procedure 2025-32 capital-gain thresholdswww.irs.gov
- IRS — RMD FAQswww.irs.gov
- IRS — Roth accounts in retirement planswww.irs.gov
- IRS — Roth comparison chartwww.irs.gov
- IRS — Roth IRAswww.irs.gov
- IRS — Schedule D, Capital Gains and Losseswww.irs.gov
- IRS — Schedule SEwww.irs.gov
- IRS — Small business tax centerwww.irs.gov
- IRS — Social Security and Medicare tax rateswww.irs.gov
- IRS — State and local tax topicwww.irs.gov
- IRS — Tax Withholding Estimatorwww.irs.gov
- IRS — Topic 409, Capital gains and losseswww.irs.gov
- IRS — Topic 554, Self-employment taxwww.irs.gov
- IRS — Traditional and Roth IRAswww.irs.gov
Investor.gov (U.S. Securities and Exchange Commission)13 sources
- Investor.gov — Financial calculatorswww.investor.gov
- Investor.gov — Retirement estimatorwww.investor.gov
- Investor.gov — Saving and investing resourceswww.investor.gov
- Investor.gov (SEC) — Certificates of deposit (CDs)www.investor.gov
- Investor.gov (SEC) — Compound interest calculator and definitionwww.investor.gov
- Investor.gov (SEC) — Employer-sponsored planswww.investor.gov
- Investor.gov (SEC) — Individual retirement accounts (IRAs)www.investor.gov
- SEC Investor.gov — Diversificationwww.investor.gov
- SEC Investor.gov — How fees affect your portfoliowww.investor.gov
- SEC Investor.gov — Introduction to investing and compound growthwww.investor.gov
- SEC Investor.gov — Mutual fund and ETF feeswww.investor.gov
- SEC Investor.gov — Small savings add upwww.investor.gov
- SEC Investor.gov — Understanding feeswww.investor.gov
National Credit Union Administration — MyCreditUnion.gov01 source
National Credit Union Administration (NCUA)01 source
Social Security Administration (SSA)05 sources
taxfoundation.org01 source
U.S. Bureau of Labor Statistics (BLS)04 sources
U.S. Department of Labor (DOL)08 sources
- Department of Labor — 401(k) planswww.dol.gov
- Department of Labor — Exemption salary levelswww.dol.gov
- Department of Labor — FLSAwww.dol.gov
- Department of Labor — Wageswww.dol.gov
- US Department of Labor — Fact Sheet #23: Overtime pay requirements of the FLSAwww.dol.gov
- US Department of Labor — Overtime pay (FLSA)www.dol.gov
- US Department of Labor — Taking the mystery out of retirement planningwww.dol.gov
- US Department of Labor — Top 10 ways to prepare for retirementwww.dol.gov