Federal Tax & Refund Estimator
Estimate 2026 federal income tax and withholding difference for single or married-filing-jointly scenarios.
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Primary result | Risk note | Next action
Estimate paycheck, withholding, refund, bracket, equity-comp, capital-gains, and deduction decisions.
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Cards show what the calculator decides, the inputs it needs, and where the result should lead next.
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Estimate 2026 federal income tax and withholding difference for single or married-filing-jointly scenarios.
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Primary result | Risk note | Next action
Build a paycheck planning estimate using user-entered withholding rates and 2026 employee payroll-tax rules.
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Required monthly amount | Projected gap | Target date
Estimate the nonrefundable 2026 federal Child Tax Credit after the income phaseout. This planning tool does not estimate the refundable Additional Child Tax Credit.
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Estimate state and local income tax from rates and deductions you enter. This is a flat-rate planning estimate, not a state-specific tax return calculation.
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Estimate whether potentially deductible mortgage interest creates federal tax value after the 2026 standard deduction.
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Allocate each paycheck across bills, savings goals, debt, and spending money.
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Required monthly amount | Projected gap | Target date
Compare the 2026 federal standard deduction with entered itemized amounts in a scoped federal planning estimate.
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Winning option | Dollar difference | Break-even point
Calculate the Alternative Minimum Tax using the real AMT formula — AMT taxable income minus a phased-out exemption, taxed at 26% or 28%, owed only if it exceeds regular tax liability.
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Required monthly amount | Projected gap | Target date
Screen cash and appreciated-stock gifts against separate common AGI limits without presenting a mixed-gift total as a final deduction.
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Screen the 2026 Earned Income Tax Credit using published maximums, thresholds, child count, filing status, and investment income.
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Required monthly amount | Projected gap | Target date
Estimate 2026 federal income tax, effective rate, and employee payroll tax from entered income and deductions.
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Estimate 2026 present-interest annual-exclusion capacity and flag Form 709 review without calculating gift tax.
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Reverse-estimate gross income from a take-home target and one entered effective tax-and-withholding rate.
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Required monthly amount | Projected gap | Target date
Estimate a K-1 income tax reserve and federal safe-harbor funding target using total current and prior-year tax.
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Compare the marginal federal income-tax rate you enter with the effective rate implied by your income and federal income tax entered.
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Estimate cash remaining or shortfall after entered tax withholding and fixed costs without presenting the result as a complete budget.
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Required monthly amount | Projected gap | Target date
Combine two entered state income allocations and effective-rate scenarios without claiming a return calculation.
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Estimate the 3.8% NIIT on the lesser of entered net investment income or MAGI above the filing-status threshold.
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Required monthly amount | Projected gap | Target date
Estimate remaining 2026 federal safe-harbor funding and divide it across the entered number of remaining installments.
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Estimate self-employment tax using 92.35% of net profit, the Social Security wage base after W-2 wages, Medicare tax, and the Additional Medicare Tax threshold.
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Estimate the employee OASDI tax on entered W-2 wages using the verified 2026 wage base.
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Estimate the 2026 student-loan-interest deduction, including an explicit zero result for married filing separately.
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Calculate exactly how much income or a Roth conversion can be added this year before crossing into the next federal tax bracket.
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A 1099 contractor pays both halves of FICA tax a W-2 employer would otherwise cover — weigh that cost against employer benefits and contractor-only business deductions.
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Winning option | Dollar difference | Break-even point