Free Tax Calculators · Updated April 2026
Free Tax Calculators for 2026
Browser-based, IRS-verified calculators covering 1099 and self-employment tax, W-4 withholding, filing status, itemize vs standard, OBBBA deductions, refund date, state refunds, and more. No account required. No data stored.
What You'll Find Here
This hub lists all National Tax Tools calculators: interactive, browser-based tools for estimating 1099 tax liability, quarterly estimated payments, LLC vs S-Corp savings, and underpayment penalties. All calculators use 2026 IRS tax rates and run entirely in your browser. Nothing you enter is stored or transmitted. Three calculators and one guide are live now; additional tools are in development.
Key Takeaways
- All calculations use official IRS publications and 2026 tax rates, updated whenever the IRS releases new guidance.
- Calculators run entirely in your browser. No account, login, or data submission required.
- Self-employed workers owe 15.3% self-employment tax on 92.35% of net earnings, plus federal income tax.
- Quarterly estimated taxes are due April 15, June 15, September 15, and January 15, 2027.
- Most 1099 workers should set aside 25–35% of net earnings to cover combined federal tax obligations.
Available Calculators
Live · Payroll & Income · IRC §3101(b)(2) · Form 8959 · 0.9% Surtax · 2025 + 2026
Additional Medicare Tax Calculator
Estimate the 0.9% Additional Medicare Tax on wages, self-employment income, and RRTA compensation above the statutory $250,000 MFJ / $125,000 MFS / $200,000 thresholds. Follows the Form 8959 line flow, applies the wage-reduced self-employment threshold, and reconciles the liability against what your employer actually withheld.
Open calculator →Live · Retirement · IRC §408(p) · IRS Notice 2025-67 · 2025 + 2026
SIMPLE IRA Contribution Calculator 2026
Work out your total SIMPLE IRA contribution. Models the $17,000 employee deferral (the $18,100 SECURE 2.0 small-employer limit), the $4,000 age-50 and $5,250 age 60-63 catch-ups, the 3% employer match (no compensation cap) versus the 2% nonelective contribution, your total, and the estimated federal income tax saved.
Open calculator →Live · Retirement · Form 8606 · IRC §408(d)(2) Pro-Rata · 2025 + 2026
Backdoor Roth IRA Calculator 2026
See the taxable amount of a backdoor Roth conversion under the pro-rata rule. Enter your nondeductible contribution, prior basis, total pre-tax IRA balance, and conversion to get the Form 8606 basis ratio, the nontaxable portion, the taxable conversion on line 18, the federal tax owed, and the basis carried forward.
Open calculator →Live · Capital Gains · IRC §1(h) · 0/15/20% + NIIT · QDCGT Worksheet · 2025 + 2026
Qualified Dividends & Capital Gains Tax Calculator 2026
See the federal tax on your long-term capital gains and qualified dividends using the IRS Qualified Dividends and Capital Gain Tax Worksheet. Stacks ordinary income first, applies the 0 percent, 15 percent, and 20 percent breakpoints by filing status, and adds the 3.8 percent net investment income tax.
Open calculator →Live · Capital Gains · IRC §1211/§1212 · $3,000 Limit · Schedule D · 2025 + 2026
Capital Loss Carryover Calculator 2026
Work out how much of a net capital loss you can deduct this year and how much carries forward. Applies the $3,000 ($1,500 MFS) annual limit under IRC §1211(b), nets short-term and long-term gains and losses, and splits the indefinite carryover into its short-term and long-term parts the way the Schedule D Capital Loss Carryover Worksheet does.
Open calculator →Live · Retirement · IRC §219(g) · IRS Notice 2025-67 · 2025 + 2026
Traditional IRA Deduction Calculator 2026
Find the deductible portion of your traditional IRA contribution. Models the $7,500 base ($8,600 at 50+), the IRC §219(g) active-participant MAGI phase-out ($81K-$91K Single, $129K-$149K MFJ covered, $242K-$252K spousal), the nondeductible split reported on Form 8606, and your estimated federal tax saved.
Open calculator →Live · Retirement · IRC §401(a)(9) · Uniform Lifetime Table · 2025 + 2026
RMD Calculator 2026
Figure your required minimum distribution from a traditional IRA, SEP, SIMPLE, 401(k), 403(b), or 457(b). Divides your prior December 31 balance by the IRS Uniform Lifetime Table factor, applies the SECURE 2.0 age 73 rule, shows the effective withdrawal rate, estimates the income tax, and flags the 25 percent penalty for a missed RMD.
Open calculator →Live · FICA Comparison · 2025
W-2 vs 1099 Tax Calculator
Compare federal tax burden for W-2 employees vs 1099 contractors at the same gross income. See Social Security, Medicare, and income tax side by side using 2025 IRS rates.
Open calculator →Live · Estimated Tax · 2025
Quarterly Tax Calculator
Calculate your quarterly estimated tax payments for 2025. See per-quarter amounts, safe harbor thresholds, and payment due dates for Form 1040-ES. Covers self-employed individuals and 1099 contractors.
Open calculator →Live · Schedule SE · 2025
Self Employment Tax Calculator
Calculate your 2025 Schedule SE tax. See the Social Security and Medicare breakdown, the 92.35% adjustment, your deductible half, and the per-quarter SE tax payment estimate.
Open calculator →Live · 1099 Tax
1099 Tax Calculator
Instantly estimate your full federal tax liability on 1099 income, including self-employment tax, income tax by bracket, effective rate, and suggested quarterly payment. Covers all 2026 income brackets.
Open calculator →Live · SE Tax Guide
Self-Employment Tax Guide
Step-by-step guide to calculating self-employment tax, the 92.35% rule, the SE deduction, quarterly payment schedules, and strategies to legally reduce your bill. IRS-verified for Tax Year 2026.
Read guide →Live · Tax Strategy
LLC vs S-Corp Tax Comparison
Compare the federal tax implications of operating as a single-member LLC versus electing S-Corp status. Estimate potential self-employment tax savings from an S-Corp election based on your net profit level.
Open calculator →Live · S-Corp · Reasonable Salary · 2026
S-Corp Tax Savings Calculator
Estimate your annual FICA savings from an S-Corp election. Enter your net profit and reasonable salary to see the employer and employee FICA breakdown, Medicare surcharge, net savings, and the point where S-Corp stops making sense. Uses the 2026 Social Security wage base of $184,500.
Open calculator →Live · Supplemental Wages · Pub 15 §7 · 2026
Bonus Tax Calculator
Estimate federal withholding on a bonus under IRS supplemental wage rules. Compares the 22 percent flat rate to the aggregate method, applies Social Security (6.2% to $184,500 wage base), Medicare (1.45%), and the 0.9% Additional Medicare Tax, and returns net take-home. Withholding is not the same as final tax.
Open calculator →Live · Family · CDCTC + DCFSA + CTC · 2026
Child Care Tax Benefit Calculator
Estimate your combined federal childcare tax savings across three vehicles: the Child and Dependent Care Credit (up to 50 percent under OBBBA), the new $7,500 Dependent Care FSA, and the $2,200 Child Tax Credit. Applies the IRC §21(c) no-double-dip rule and the 50/35/20 percent AGI tier structure automatically.
Open calculator →Live · IRS Resolution · 20+ Notice Types · Free Help
IRS Notice Response Helper
Look up your IRS notice by CP or LTR number. Get the plain-language meaning, your response deadline, agree/disagree action steps, and direct links to free help (Taxpayer Advocate Service, Low Income Taxpayer Clinics, VITA). Covers CP2000, CP14, CP501-504, LT11, CP05, CP12, CP49, CP75, identity verification letters, and more.
Open lookup tool →Live · Equity Compensation · IRC §83(a) · 2026
RSU Tax Calculator
Estimate the federal tax on a restricted stock unit vesting event. Computes ordinary-income inclusion at vest FMV, federal supplemental withholding (22% flat, 37% above $1M), Social Security and Medicare, the sell-to-cover share count, and the under-withholding shortfall when your marginal bracket exceeds 22 percent. The standard surprise for senior tech and finance employees with concentrated equity comp.
Open calculator →Live · Equity Compensation · IRC §423 · 2026
ESPP Tax Calculator
Estimate the federal tax on employee stock purchase plan shares. Models the IRC section 423 qualifying disposition cap, the disqualifying disposition spread, long-term capital gains stacking, and the broker 1099-B basis trap that causes double taxation for most ESPP participants.
Open calculator →Live · Equity Compensation · IRC §55 · Form 6251 · 2026
AMT Calculator
Estimate the alternative minimum tax for 2026 under the OBBBA §70107 rules. Builds AMTI from regular taxable income plus preferences (ISO bargain element, SALT add-back, standard deduction add-back), applies the phased exemption (50 percent phase-out rate above $500,000 single / $1,000,000 MFJ), runs the 26 / 28 percent rate split at $244,500, and reports the AMT owed plus the future Form 8801 minimum tax credit.
Open calculator →Live · IRS 3-Factor Test · §183 9-Factor Test · 2026
Gig Worker Classification + Tax Tool
Free decision tool that walks the IRS three-factor common-law test (Behavioral, Financial, Relationship) for worker classification, the nine-factor §1.183-2(b) profit motive test for hobby vs business, and a self-employment tax estimator including the $400 trigger, the 92.35 percent adjustment, and the 2026 Social Security wage base of $184,500.
Open decision tool →Live · Schedule E · IRC §469 · 2026
Rental Income Tax Calculator
Estimate the federal tax on residential rental income for 2026. Computes Schedule E net income or loss, MACRS 27.5-year depreciation, the §280A 14-day Augusta Rule, the $25,000 active-participation passive loss allowance under §469(i), and Net Investment Income Tax exposure for high-MAGI landlords.
Open calculator →Live · Retirement · IRS Notice 2025-67 · 2026
401(k) Contribution Calculator 2026
Estimate your 2026 401(k) elective deferral, age-based catch-up, employer match, and total annual additions. Models the $24,500 base limit, the $8,000 catch-up at age 50, the $11,250 SECURE 2.0 super catch-up at ages 60 to 63, the $72,000 annual additions cap, the $360,000 compensation cap, the HCE flag, and federal income tax savings on traditional pre-tax contributions.
Open calculator →Live · Retirement · IRS Notice 2025-67 · 2026
Roth IRA Contribution Calculator 2026
Estimate your 2026 Roth IRA contribution limit by filing status, age, and MAGI. Models the $7,500 base contribution, the $1,100 age-50 catch-up, the Single/HOH MAGI phase-out from $153,000 to $168,000, the MFJ phase-out from $242,000 to $252,000, the MFS-Together $0 to $10,000 phase-out, the spousal IRA rule, and a backdoor Roth flag when MAGI exceeds the upper threshold.
Open calculator →Live · Retirement · IRC §408A · Rev. Proc. 2025-32 · 2026
Roth Conversion Tax Calculator 2026
Estimate the federal tax cost of a Roth IRA conversion in 2026. Models the pro-rata aggregation rule across all your traditional, SEP, and SIMPLE IRAs under IRC §408(d)(2), recovers nondeductible basis from Form 8606, applies the 2026 marginal brackets from Rev. Proc. 2025-32, and computes the marginal tax cost of the conversion stacked on your other ordinary income. Per-conversion 5-year clock and IRMAA two-year lookback flagged.
Open calculator →Live · Retirement · IRC §25B · Form 8880 · Notice 2025-67 · 2025 + 2026
Saver's Credit Calculator 2026
Find your Retirement Savings Contributions Credit (Saver's Credit) under IRC §25B for 2025 or 2026. Enter your AGI, filing status, and retirement contributions to get your 50%, 20%, or 10% credit rate from the Form 8880 brackets (2026 top limits $40,250 single / $60,375 head of household / $80,500 joint), the $2,000-per-person contribution cap, the testing-period distribution reduction under §25B(d)(2), and the nonrefundable tax-liability limit. Worth up to $1,000 per person.
Open calculator →Live · Family · IRC §23 · Form 8839 · OBBBA · 2025 + 2026
Adoption Tax Credit Calculator 2026
Estimate your federal adoption tax credit under IRC §23 for 2025 or 2026. Enter your qualified adoption expenses (or a special-needs adoption), MAGI, and tax liability to see your total credit, the refundable portion (up to $5,120 per child for 2026 under the One Big Beautiful Bill Act), the nonrefundable amount, and any five-year carryforward on Form 8839. The 2026 maximum is $17,670 per child, with a MAGI phase-out from $265,080 to $305,080.
Open calculator →Live · Education · IRC §135 · Form 8815 · 2025 + 2026
Savings Bond Education Interest Exclusion Calculator 2026
See how much Series EE (post-1989) and I savings bond interest you can exclude from income under IRC §135 when you cash bonds for college. Enter your bond proceeds, interest, qualified tuition and fees, tax-free aid, and MAGI for 2025 or 2026 to get the applicable-fraction proration when proceeds exceed expenses and the MAGI phase-out (2026: $152,650 to $182,650 joint / $101,800 to $116,800 other), with the excludable interest mapped to Form 8815.
Open calculator →Live · Deductions · IRC §163(h) · Schedule A · 2025 + 2026
Mortgage Interest Deduction Calculator 2026
See how much home mortgage interest you can deduct under IRC §163(h). Enter your average mortgage balance, total interest, and loan date to apply the $750,000 (or $1,000,000 grandfathered) acquisition-debt limit, the qualified-loan-limit ratio when your balance is over the cap, the home-equity rule, and the mortgage insurance premium deduction restored for 2026. The result maps to Schedule A, line 8a.
Open calculator →Live · Deductions · IRC §163(d) · Form 4952 · 2025 + 2026
Investment Interest Expense Calculator 2026
Figure your deductible investment interest under IRC §163(d) using IRS Form 4952. Enter your margin or other investment interest, portfolio income, qualified dividends, capital gains, and any prior-year carryforward to see your net investment income, the current-year deduction for Schedule A line 9, the cost of the qualified-dividend or capital-gain election, and the amount that carries forward indefinitely.
Open calculator →Live · Deductions · IRC §165(d) · New 90% Limit · 2025 + 2026
Gambling Loss Deduction Calculator 2026
Figure how much of your gambling losses you can deduct under IRC §165(d). Applies the winnings cap and the new One Big Beautiful Bill Act 90 percent limit for 2026, shows the phantom income the rules create, and maps the result to Schedule A line 16 for casual gamblers or Schedule C for professionals.
Open calculator →Live · Deductions · IRC §170 · Schedule A Line 11 · 2025 + 2026
Charitable Contribution Deduction Calculator 2026
Compute your deductible charitable contribution under IRC §170. Applies the 60 percent cash, 50 percent, 30 percent capital-gain, and 20 percent AGI percentage limits, the new 0.5 percent of AGI floor for 2026 itemizers, the 5-year carryover, and the new $1,000 / $2,000 above-the-line deduction for non-itemizers. Maps the result to Schedule A line 11.
Open calculator →Live · Deductions · IRC §165(h) · Form 4684 · 2025 + 2026
Casualty and Theft Loss Calculator 2026
Compute your deductible personal casualty or theft loss under IRC §165(h) using Form 4684 Section A. Applies the lesser-of-adjusted-basis-or-FMV-decline rule, subtracts insurance recovery, runs the $100 per-casualty floor, nets personal casualty gains and losses, applies the 10 percent of AGI floor, and maps the result to Schedule A line 15. Reflects the OBBBA permanent declared-disaster limitation and the state-declared disaster expansion effective tax year 2026.
Open calculator →Live · Real Estate · IRC §121 · Rev. Proc. 2025-32 · 2026
Home Sale Capital Gains Calculator 2026
Calculate capital gains tax on your home sale, including the §121 exclusion ($250K single / $500K married filing jointly). Models full, partial, and no-exclusion scenarios, IRC §1250 unrecaptured gain at 25%, NIIT at 3.8%, and 2026 LTCG rates from Rev. Proc. 2025-32. Adjusted basis includes improvements, closing costs, and prior depreciation.
Open calculator →Live · Real Estate · IRC §453 · Form 6252 · 2026
Installment Sale Calculator 2026
Estimate gain recognition on a property installment sale under IRC §453. Computes the gross profit ratio, year-of-sale §1245 ordinary recapture, §1250 unrecaptured gain spread at 25 percent under Treas. Reg. §1.453-12, year-by-year LTCG recognition under the 2026 brackets, NIIT, and the §453A interest charge threshold ($150,000 sale price + $5M outstanding obligations). Includes §121 interaction for primary residence sales.
Open calculator →Live · Health Savings · IRC §223 · Rev. Proc. 2025-19 · 2026
HSA Contribution Calculator 2026
Estimate your 2026 Health Savings Account contribution limit, age-55 catch-up, monthly proration for partial-year HDHP coverage, the last-month rule and 13-month testing period, employer contribution offset, and federal income tax savings on the above-the-line deduction. Models the $4,400 self-only / $8,750 family limit, the $1,000 catch-up at age 55, HDHP qualification ($1,700/$3,400 minimum deductible, $8,500/$17,000 out-of-pocket max), and Section 125 cafeteria-plan FICA savings.
Open calculator →Live · Equity Compensation · IRC §422 + §56(b)(3) · Form 3921 · 2026
ISO Exercise Calculator 2026
Estimate the AMT cost of an incentive stock option exercise for 2026. Computes the bargain element ((FMV - strike) × shares), models the hold-past-year-end vs same-year-disqualifying-disposition paths, identifies the AMT crossover (largest exercise with $0 AMT cash given your inputs), tracks the regular-vs-AMT basis split that drives the future Form 8801 minimum tax credit, and flags the OBBBA §70107 50% phase-out bump zone.
Open calculator →Live · Healthcare / ACA · IRC §36B · Rev. Proc. 2025-25 · Form 8962 · 2026
Premium Tax Credit Calculator 2026
Estimate your 2026 ACA Marketplace subsidy under IRC §36B. Computes household income as a percentage of FPL using the 2025 HHS poverty guidelines (the lookup year for 2026 plan-year coverage), applies the Rev. Proc. 2025-25 applicable percentage table, computes the required contribution and the SLCSP-minus-contribution PTC, caps at the actual plan premium, and flags the 400% FPL cliff that returned January 1, 2026 after the IRA enhanced subsidies expired.
Open calculator →Live · Healthcare / Self-Employed · IRC §162(l) · Form 7206 · 2026
Self-Employed Health Insurance Deduction Calculator 2026
Compute your 2026 above-the-line deduction for medical, dental, and long-term care insurance premiums under IRC §162(l). Models the net SE income cap by entity type (Schedule C, partnership, S-corp >2%), the 2026 LTCI age limits per Rev. Proc. 2025-32, the §162(l)(7) PTC reduction, and the subsidized employer plan exclusion. Reports on Schedule 1 line 17 via Form 7206.
Open calculator →Live · Business Deductions / Self-Employed · IRS Notice 2026-10 · Rev. Proc. 2019-46 · 2026
Mileage Deduction Calculator 2026
Compute your 2026 vehicle deduction using the IRS standard mileage rates from Notice 2026-10 (Business 72.5c, Medical 20.5c, Moving 20.5c active-duty only, Charitable 14c). Compares standard mileage against the actual expense method prorated by business use, flags the OBBBA §70110 W-2 employee disallowance and the §70113 moving restriction, and applies the first-year election lock-in rule.
Open calculator →Live · Business Deductions / Self-Employed · IRS Pub 587 · IRC §280A · Form 8829 · 2026
Home Office Deduction Calculator 2026
Compute your 2026 home office deduction under IRC §280A and IRS Pub 587. Compares the simplified method ($5 per sq ft up to 300 sq ft, $1,500 cap under Rev. Proc. 2013-13) against the regular method (Form 8829 actual expenses prorated by business-use percent). Applies the §280A(c)(5) gross income limitation, flags the OBBBA §70110 W-2 employee disallowance, and surfaces depreciation recapture exposure on home sale under §1250.
Open calculator →Live · Business Deductions / Self-Employed · IRC §199A · Rev. Proc. 2025-32 · OBBBA §70105 · 2026
QBI Deduction Calculator 2026 (Section 199A)
Compute your 2026 Section 199A qualified business income deduction. Applies the Rev. Proc. 2025-32 thresholds ($201,750 single / $403,500 MFJ), the OBBBA §70105 expanded phase-in ranges ($75K / $150K), the W-2 wages and UBIA limitation under §199A(b)(2), the SSTB phase-out under §199A(d)(2), and the new $400 minimum deduction for 2026. Routes between Form 8995 and Form 8995-A based on taxable income and business type.
Open calculator →Live · Business Deductions / Self-Employed · IRC §179 · Rev. Proc. 2025-32 · OBBBA §70301 · Form 4562 · 2026
Section 179 Deduction Calculator 2026
Compute your 2026 Section 179 expensing deduction. Rev. Proc. 2025-32 §4.24 limits ($2,560,000 max election / $4,090,000 phase-out / $32,000 heavy-SUV cap), OBBBA §70301 permanent increase from $1M to $2.5M baseline, 100% bonus depreciation coordination under OBBBA §70401, §179(b)(3) taxable income limit with indefinite carryforward, 50% business-use threshold, and Form 4562 election walkthrough. Routes between sole prop, partnership, S-corp, and C-corp.
Open calculator →Live · Tax Basics / Deductions · IRC §63 · Rev. Proc. 2025-32 · OBBBA §70103 · 2025 + 2026
Standard Deduction Calculator 2026 (and 2025)
Compute your exact federal standard deduction across all filing statuses for 2025 or 2026. Layers the base amount under IRC §63(c)(2), the age 65 and blind add-ons under IRC §63(f) ($2,050 unmarried / $1,650 married per condition for 2026), the dependent computation under IRC §63(c)(5) (greater of $1,350 or earned + $450), and the OBBBA §70103 $6,000 senior bonus deduction with MAGI phase-out. Includes the §63(c)(6)(A) MFS itemizing coordination rule.
Open calculator →Live · Schedule A / Deductions · IRC §213 · 7.5% AGI Floor · 2025 + 2026
Medical Expense Deduction Calculator 2026 (and 2025)
Compute the deductible portion of your unreimbursed medical and dental expenses under IRC §213. Applies the 7.5% of AGI floor, the §213(d)(10) age-banded long-term care premium cap ($500–$6,200 for 2026), and the medical mileage rate (20.5¢/mi for 2026), then compares your total itemized deductions against the standard deduction to show the real net tax benefit.
Open calculator →Live · Education Credits / Family · IRC §25A · Form 8863 · AOTC & LLC · 2025 + 2026
Education Tax Credit Calculator 2026 (AOTC vs LLC)
Compute the American Opportunity Tax Credit (up to $2,500 per student, 40% refundable up to $1,000) or Lifetime Learning Credit (up to $2,000 per return, 20% of $10K aggregated expenses, non-refundable) for 2025 or 2026. Applies the IRC §25A MAGI phase-out ($80K-$90K single/HOH/QSS or $160K-$180K MFJ, statutorily frozen since FCAA 2020), scholarship offset under §25A(g)(2)(C), kiddie-tax refundable bar under §25A(i)(6), dependent claim rule under §25A(g)(3), MFS bar under §25A(g)(6), and Form 8863 routing.
Open calculator →Live · Education Cluster · IRC §221 · Form 1098-E · Schedule 1 Line 21 · 2025 + 2026
Student Loan Interest Deduction Calculator 2026
Compute your above-the-line student loan interest deduction under IRC §221 for 2025 or 2026. Applies the $2,500 cap, the MAGI phase-out ($85K-$100K single/HOH/QSS for both years; $175K-$205K MFJ for 2026 vs $170K-$200K MFJ for 2025), the MFS bar under §221(e)(2), and the dependent claim bar under §221(c). Estimates federal tax savings at your marginal rate.
Open calculator →Live · Education Cluster · IRC §529 · OBBBA §70413 · SECURE 2.0 §126 · Form 1099-Q · 2025 + 2026
529 Plan Tax Calculator 2026
Analyze a 529 qualified tuition program distribution for federal income tax and the 10% additional tax under IRC §529. Applies the $20,000 K-12 cap (TY2026, raised by OBBBA §70413 from $10,000), $10,000 lifetime student loan repayment cap under §529(c)(9), 10% additional tax exceptions under §530(d)(4) (scholarship, death, disability, service academy), AOTC/LLC anti-double-counting under §529(c)(3)(B)(v), and the SECURE 2.0 §126 529-to-Roth IRA rollover ($35K lifetime, 15-year account age).
Open calculator →Live · Education Cluster · IRC §530 · §4973 Excise · Form 1099-Q · IRS Topic 310 · 2025 + 2026
Coverdell ESA Calculator 2026
Two tools in one for the Coverdell education savings account under IRC §530. Find your $2,000 contribution limit after the §530(c) MAGI phase-out ($95,000-$110,000 single, $190,000-$220,000 joint), or compute the federal tax on a non-qualified distribution, including the 10% additional tax under §530(d)(4) with scholarship, death, disability, and service academy exceptions. All limits are statutory and unchanged for 2025 and 2026; OBBBA did not amend §530.
Open calculator →Live · Income Foundation · IRC §62 · Form 1040 Line 11 · MAGI Add-Backs · 2025 + 2026
AGI and MAGI Calculator 2026
Compute your Adjusted Gross Income under IRC §62, then see the seven different Modified Adjusted Gross Income figures the Code uses - for the traditional IRA deduction (Pub 590-A Worksheet 1-1), Roth IRA limit (Worksheet 2-1), Premium Tax Credit (§36B), education credits (§25A), student loan interest (§221), Net Investment Income Tax (§1411), and Medicare IRMAA. Each MAGI applies different add-backs; the calculator compares each to the 2026 or 2025 threshold by filing status.
Open calculator →Live · Penalties
Underpayment Penalty Estimator
Estimate your IRS underpayment penalty for missed or insufficient quarterly estimated tax payments. Covers Form 2210 calculations for all four quarterly periods using the 2026 federal short-term interest rate.
Open calculator →Live · Refund
IRS Refund Date Estimator
Estimate your IRS federal refund arrival date based on filing method, acceptance date, return type, and refund delivery method. Covers e-file, paper, PATH Act, and amended returns. Based on official IRS processing windows.
Open calculator →Hub · Payroll
Payroll Calculators and Tools
Entry point for the payroll vertical. Paycheck calculator, payroll tax calculator, take-home pay estimator, state payroll hubs, and payroll guides. IRS-verified for Tax Year 2026.
View payroll tools →Live · OBBBA · Overtime Deduction
No Tax on Overtime Calculator
Estimate your federal income tax savings from the OBBBA overtime deduction (IRC § 225). Enter your regular rate and OT hours. Includes $12,500 cap and phase-out. Employee-only. TY 2025 and 2026.
Open calculator →Live · OBBBA · Auto Loan Interest
Auto Loan Interest Deduction Calculator
Estimate your federal income tax savings from the OBBBA auto loan interest deduction (IRC § 227). New U.S.-assembled vehicles only. $10,000 cap. Phase-out above $100,000 MAGI. TY 2025–2028.
Open calculator →Live · OBBBA · SALT Cap Increase
SALT Deduction Calculator
Calculate your incremental federal tax savings from the OBBBA SALT cap increase. Cap rose from $10,000 to $40,000 for TY 2025–2029. Phase-out above $500,000 MAGI. Must itemize on Schedule A.
Open calculator →Live · OBBBA · Children’s Savings
Trump Account Calculator
Project how much a Trump Account (MAGA Account) could be worth when your child turns 18. Includes the $1,000 federal seed for children born after December 31, 2024. Annual contribution up to $5,000. U.S. index funds only.
Open calculator →Live · OBBBA · CTC · Refundable Credit
Child Tax Credit Calculator (2025)
Estimate your Child Tax Credit under the OBBBA. The CTC increased to $2,500 per qualifying child for TY 2025–2028. Calculates phase-out reduction and refundable ACTC. PATH Act hold applies to ACTC filers.
Open calculator →Live · OBBBA · Senior Deduction · Age 65+
Standard Deduction for Seniors Calculator (2025)
Estimate the total standard deduction for taxpayers age 65 or older. Combines the base standard deduction, §63(f) age and blindness add-ons, and the new $6,000 OBBBA enhanced deduction with phase-out for TY 2025–2028.
Open calculator →Live · Tax Debt · Installment Agreement
IRS Payment Plan Calculator
Estimate your IRS installment agreement monthly payment, setup fee, and total interest cost. Compare short-term (180-day, no fee) vs long-term (72-month) plans before applying online at IRS.gov.
Open calculator →Live · Income Tax · 1099-G
Unemployment Tax Calculator
Estimate the federal income tax on your unemployment compensation. Enter your 1099-G Box 1 amount, filing status, and other income. See effective tax rate, withholding gap, and underpayment risk for TY 2025.
Open calculator →Live · Income Tax · IRC §117
Scholarship Tax Calculator
Find out if your scholarship or fellowship grant is taxable. Enter your award amount, qualified tuition paid, and any stipend for services. The calculator applies IRC §117 to separate your tax-free and taxable amounts and estimates your federal tax for TY 2025.
Open calculator →Live · Education Credits · IRC §25A · Form 8863
Student Tax Calculator 2025
Estimate your American Opportunity Credit (up to $2,500) or Lifetime Learning Credit (up to $2,000) for 2025. Compare both credits side by side, check whether a scholarship reduces your credit, and verify dependent status in one tool. Covers income phase-out and refundability rules.
Open calculator →Live · Filing Requirement · IRS Pub 501
Do I Need to File Taxes? Calculator
Find out in under 60 seconds whether you are required to file a 2025 federal tax return. Enter your filing status, age, gross income, and self-employment earnings. Covers all standard thresholds, blind add-ons, dependent rules, and special triggers like HSA distributions and marketplace insurance.
Open calculator →Live · Refundable Credit · IRC § 32
EITC Eligibility Calculator
Check whether you qualify for the 2025 Earned Income Tax Credit and estimate your credit amount. Covers all filing statuses, 0 to 3+ qualifying children, and handles the phase-in/plateau/phase-out in one step. Investment income limit and PATH Act refund hold included.
Open calculator →Live · MFJ vs MFS · IRC §§ 1, 2, 7703
Filing Status Calculator 2025
Two tools in one: find your correct 2025 filing status via decision tree, then compare married filing jointly vs separately side by side using your actual income and 2025 tax brackets. Covers all five filing statuses, the "considered unmarried" HOH rule, and credits lost by filing separately.
Open calculator →Live · IRC §86 · Provisional Income · OBBBA
Social Security Tax Calculator 2025
Find out how much of your Social Security benefits are taxable using the IRC Section 86 provisional income formula. Covers all filing statuses, the 0%/50%/85% taxability tiers, OBBBA $6,000 senior deduction impact, and the tax torpedo effect. Includes state SS tax reference.
Open calculator →Live · IRC §3402 · TY 2026 · OBBBA
W-4 Withholding Calculator 2026
Project your annual federal tax from your pay stub, compare to your projected withholding, and find your gap. Covers all five filing statuses, 2026 tax brackets, OBBBA deductions for tips, overtime, and seniors, and the Child Tax Credit. See if you will owe or get a refund before April.
Open calculator →Live · Schedule A · OBBBA SALT
Standard Deduction vs. Itemized Deductions Calculator
Compare your 2025 Schedule A itemized deductions against the standard deduction for your filing status. Covers SALT (OBBBA $40K cap with phase-out), mortgage interest, charitable contributions, and the 7.5% medical expense floor. Instant recommendation with dollar difference.
Open calculator →Live · OBBBA · Tip Deduction
No Tax on Tips Calculator
Estimate your federal income tax savings from the OBBBA qualified tip income deduction (IRC § 224). Includes phase-out for MAGI over $150,000. Tax Years 2025 and 2026.
Open calculator →Live · 1099 Pricing · Break-Even Rate
1099 Contractor Rate Calculator
Calculate the hourly rate you need to charge as a 1099 contractor to match a W-2 salary. Accounts for self-employment tax, health insurance, non-billable days, and overhead using 2025 IRS rates.
Open calculator →Live · Retirement · Self-Employed
SEP IRA vs Solo 401(k) Calculator
Compare maximum SEP IRA and Solo 401(k) contributions side by side for 2025. Enter your net Schedule C income to see which plan allows you to shelter more income and estimate federal tax savings.
Open calculator →Live · Refund · Treasury Offset Program
Tax Refund Offset Calculator
See how much of your federal refund may be withheld for government debts. Enter your expected refund and any past-due taxes, child support, student loans, or state debts to get the offset breakdown in priority order.
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Frequently Asked Questions
Questions About Your Tax Situation?
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