Income tax calculator.
Estimate federal taxable income, credits, withholding, refund or amount owed, and tax-rate breakdowns for planning.
Income Tax Calculator inputs
Enter filing status, income, deductions, credits, and withholding assumptions.
Filing and year
Choose filing status, tax year, and dependent assumptions.
Income
Enter annual taxable income categories before deductions and credits.
Deductions, credits, and payments
Estimate deductions, adjustments, credits, withholding, and state/local reference tax.
Visual breakdown
Live labels, comparison cards, charts, and schedule outputs update as you change the inputs.
Schedule graph
Shows the value path over time.
Schedule
Detailed rows for the first periods and final result.
About the Income Tax Calculator
This calculator estimates federal taxable income, income tax before credits, dependent credits, federal withholding, refund or amount due, and a separate state/local reference estimate. It is built for planning rather than tax filing.
Filing status
Filing status affects the standard deduction, bracket widths, and the tax due calculation.
Deductions
Choose the standard deduction or itemized deductions to estimate the taxable amount used in the bracket calculation.
Credits and withholding
Dependent credits reduce tax after the bracket calculation. Withholding is compared with estimated tax to show a refund or balance due.
How to use this calculator
Enter filing status, tax year, income categories, deductions, dependent counts, and withholding. Review the refund or amount owed, taxable income, effective tax rate, and detailed schedule.
Important disclaimer
⚠ Disclaimer: This is a simplified educational estimate. It does not model every IRS form, phaseout, AMT, refundable credit, payroll tax, state tax rule, or special tax situation. Consult a qualified tax professional before filing or making tax decisions.
Income Tax Calculator FAQ
Common questions about inputs, assumptions, outputs, schedules, and limitations.
What does the Income Tax Calculator estimate?
It estimates taxable income, federal tax before credits, dependent credits, withholding, refund or amount due, and a state/local reference tax.
Does it include 2026 planning values?
Yes. The page includes a 2026 planning option using simplified federal bracket and standard deduction assumptions.
Does it calculate every credit and tax rule?
No. It focuses on common inputs and does not replace tax software or a tax professional.
What is taxable income?
Taxable income is income after selected adjustments and deductions, before credits are subtracted from tax.
Why can my result show a refund?
A refund appears when withholding and payments exceed estimated tax after credits.