Personal Finance Figures That Change: Volatile-Figures Register

About this page

Some numbers in a finance book go stale fast: limits, thresholds, rates and benchmark levels. This register lists the figures in Personal Finance that change, with the date each was last checked, so you know what to re-verify before relying on it.

It is a short, practical reference: look up the number, see when it was last confirmed, and follow the source to the current value. Bookmark it and check back whenever a rule or rate makes the news.

A sample of the figures (334 on the full page)

Federal funds target range — next review: Sep 16, 2026

10-year breakeven inflation — next review: Oct 1, 2026

Group-term life exclusion — next review: Oct 2026

Share of auto insurers using credit-based insurance scores where allowed (FICO estimate) — next review: Oct 2026

PBGC maximum monthly guarantee at 65, single-employer plan (straight-life / joint-and-50%) — next review: Oct 2026

FMLA leave — next review: Oct 2026

Medicare Advantage enrollment — next review: Oct 2026

California primary-residence petition limit — next review: Oct 2026

Fannie Mae maximum total debt-to-income ratio — next review: Oct 2026

SAI asset rates (2027–28): student / parent conversion / parent contribution schedule — next review: Oct 2026

Backup withholding rate — next review: Oct 2026

Auto loan balances outstanding (U.S.) — next review: Oct 2026

Fannie Mae student-loan payment for deferred or forbearance loans when none reported — next review: Oct 2026

Proposed forfeiture-use deadline (REG-122286-18) — next review: Oct 2026

Robo-adviser published fees (examples) — next review: Oct 2026

EITC non-claim rate — next review: Oct 2026

Standard deduction, head of household — next review: Tax year 2026

400% of poverty level, one person — next review: 2026 coverage year

HDHP minimum deductible, self-only — next review: 2026

OASI trust fund depletion year — next review: 2026 Trustees Report

Pell Grant minimum — next review: 2026–27

Credit-invisible share of adults — next review: Dec 2020 data (published Jun 2025)

EPF interest rate — next review: FY2025-26

Good to know

Why some numbers go stale: tax limits, benefit thresholds, policy rates, capital requirements and benchmark levels are reset by regulators and legislatures, often once a year. A book that quotes them is right on the day it is written and wrong a year later unless someone checks again.

How I handle it: each figure that moves is listed with the place it appears and the month it will next be reviewed. The aim is that you never have to guess whether a number is current: look it up, see when it was confirmed, and follow the source to the live value.

How to use it: before you rely on a threshold, a rate or a limit from any chapter, find it in the register, check the review month, and compare it with the publisher’s current figure. If the review month has passed, treat the number in the chapter as a guide to how the calculation works rather than as today’s value.

About FinoLib: it is my free finance education library. It runs to five volumes, from the whole-economy view in Volume I to household-level detail in Volume V, and every article is written to be read on its own, with worked numbers and primary sources behind the facts.

How the articles are built: each one opens with a plain-words explanation and a short summary, develops the idea with a worked example, and closes with a decision rule, the costliest mistake, a recap and a self-check quiz. The aim is that you can read any single article without having read the others.

Who it is for: students who want the foundations explained properly, professionals who want a precise reference they can check against primary sources, and anyone managing their own money who would rather understand the mechanism than follow a rule of thumb.