Taxes · Calculator

An honest look
at what you'll owe.

W-2, self-employment, Bitcoin, dividends, and a federal tax estimate. A state component is included only for states whose 2026 rules are explicitly marked supported below; every other selection returns a federal-only result. This is not your tax return. Use TurboTax, H&R Block, FreeTaxUSA, IRS Free File, or a CPA to file.

The question it answersWhat will I actually owe in federal and state taxes this year?

Rules: United States. Tax year: models 2026 figures; check the assumptions before using it for another year. Privacy: runs in your browser. What you enter stays on your device unless you copy a share link, which puts your inputs in the link.

// VERIFY NUMBERS Tax brackets, contribution limits, and the standard deduction update every January. Figures baked into this tool reflect the year noted in the source; verify the current year's numbers at irs.gov before relying on a result for actual tax planning.

Read first

This tool estimates. It does not file. Tax code is 73,000+ pages. This tool covers maybe 40 of them, the ones that apply to most people. If any of the following apply to you, the estimate will be wrong: multi-state income, nonresident alien status, foreign tax credits, passive activity losses, AMT with large preference items, NOLs, basis limitations, K-1 pass-throughs with complex allocations, estate or trust income, rental depreciation recapture, ISO exercises. The output is a starting point for conversation with your CPA or for rough withholding planning.

Every federal and state figure below has a verify badge. Click to see the source. All 2026 federal amounts are inflation-indexed projections; final figures are released by IRS in late 2025 and may shift by small amounts. Not tax advice, not legal advice, not financial advice.

Income type

Filing status verify×DON'T TRUST, VERIFYClaim: 2026 standard deductions are $16,100 Single/MFS, $32,200 MFJ/QSS, $24,150 HOH.Verify at: IRS 2026 inflation adjustments ↗ Source 1 in the list belowIndexed each year; IRS releases the official figure in late fall.

State verify×DON'T TRUST, VERIFYClaim: State dollars are included only when this tool has a supported 2026 calculation. Otherwise every headline, refund, projection, and share card is federal only.Verify at: Tax Foundation 2026 state rates ↗ Source 2 in the list belowA current headline rate is not enough; deductions, credits, filing status, and asset-specific rules also change the calculation.

Dependents under 17

Form W-2 · wage and tax statement verify×DON'T TRUST, VERIFYClaim: W-2 Box 1 is federal taxable wages; Box 3 is SS wages capped at $176,100 for 2025 ($184,500 for 2026).Verify at: IRS W-2 instructions ↗ Source 3 in the list belowSS wage base indexed annually; Medicare has no cap.

Copy what's on your pay stub or W-2.

Box 1 · federal taxable wages $

Box 2 · fed tax withheld $

Box 3 · SS wages $

Box 4 · SS tax withheld $

Box 5 · Medicare wages $

Box 6 · Medicare tax $

Box 17 · state tax withheld $

Box 12 · pre-tax and retirement codes

Most common codes. D: 401(k), E: 403(b), G: 457(b), W: HSA via employer, AA: Roth 401(k), BB: Roth 403(b), EE: Roth 457(b), DD: employer-sponsored health (informational, not taxable). Others: A/B: uncollected SS/Medicare on tips, C: group term life over $50k, F/H/R/S/T/Y/Z/FF/GG/HH: various SIMPLE, nonqualified, adoption, DPAD.

Code D · 401(k) $

Code E · 403(b) $

Code G · 457(b) $

Code W · HSA (employer) $

Code AA · Roth 401(k) $

Code BB · Roth 403(b) $

Code DD · health (info only) $

Code EE · Roth 457(b) $

Additional income (leave blank if none)

Interest income $

Total ordinary dividends (1099-DIV box 1a) $

Qualified dividends verify×DON'T TRUST, VERIFYClaim: Qualified dividends tax at LTCG rates (0/15/20%).Verify at: IRS Topic 404 ↗ Source 5 in the list belowHolding period: 60 days during 121-day window around ex-div date.

Short-term cap gain $

Long-term cap gain verify×DON'T TRUST, VERIFYClaim: 2026 LTCG: 0% up to $49,450 single / $98,900 MFJ; 15% up to $545,500 single / $613,700 MFJ; 20% above.Verify at: IRS 2026 inflation adjustments (news release) ↗ Source 1 in the list below · IRS Rev. Proc. 2025-32, section 4.03 (2026 capital gains rate amounts) ↗Collectibles and Section 1250 gain have separate max rates.

Bitcoin gain (LT, >1yr) verify×DON'T TRUST, VERIFYClaim: Bitcoin held > 1 year is LTCG; < 1 year is ordinary income.Verify at: IRS virtual currency FAQ ↗ Source 6 in the list belowProperty treatment since Notice 2014-21.

Bitcoin gain (ST, <1yr) $

Traditional IRA dist. $

Social security benefits $

Rental net income $

Other income $

Deductions

Above-the-line adjustments

Traditional IRA contrib. verify×DON'T TRUST, VERIFYClaim: 2026 IRA limit $7,500 ($8,600 if age 50+); deductibility phases out at income thresholds if covered by workplace plan.Verify at: IRS IRA limits ↗ Source 7 in the list belowPhase-out: Single covered $81k-$91k; MFJ $129k-$149k.

HSA (direct, not via W-2) $

Student loan interest (max $2,500) $

Educator expenses (max $350) $

Estimate

Total income

AGI

Taxable income

Total tax

Effective rate

Marginal rate

Refund / owe estimate

Fill in withholding to see this.

Full calculation breakdown

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Where your taxable income sits in the 2026 federal brackets

State tax detail

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What-if projection

Drag to see how your total tax shifts if your primary income (W-2 wages or SE gross) changes. Everything else held constant.

Multiplier 1.00x

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Optimization suggestions

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Shareable result card

Download your estimate as a 1200×628 PNG.

What this tool assumes

2026 federal brackets and standard deductions (IRS Rev. Proc. 2025 inflation adjustments).
Standard deduction applied unless itemized is toggled.
SALT deduction capped at $40,400 for 2026 (OBBBA), reduced by 30% of income over $505,000 down to a $10,000 floor; MFS uses half of each amount. MAGI is approximated by AGI here.
Child Tax Credit of $2,200 per dependent under 17; up to $1,700 per child is refundable (ACTC: 15% of earned income over $2,500). Phases out above $200k AGI ($400k MFJ).
Capital gains and losses are netted Schedule D style. A net loss offsets ordinary income up to $3,000 ($1,500 MFS); the remainder is a carryforward to future years (shown in the breakdown, not applied).
State income tax is estimated at single-filer rates where graduated; check your state DOR.

Estimate, not tax or legal advice. It applies the 2026 rules listed in the assumptions to the numbers you enter. Details this tool does not model can change the result.

New to this topic?

See the glossary for plain-English definitions of every term used here.

HOW THIS IS CALCULATED

This tool runs entirely in your browser: no data is sent to any server. The assumptions and default values behind the result are listed under “What this tool assumes” on this page. Verify the methodology or inspect the source code in your browser's dev tools.

Where to go from here

Sources

Verify badges in the text link to these sources. Figures, rates and rules change: check each source’s date before acting on it.

Internal Revenue Service, IRS 2026 inflation adjustments ↩
Tax Foundation, Tax Foundation 2026 state rates ↩
Internal Revenue Service, IRS W-2 instructions ↩
Internal Revenue Service, IRS Schedule SE ↩
Internal Revenue Service, IRS Topic 404 ↩
Internal Revenue Service, IRS virtual currency FAQ ↩
Internal Revenue Service, IRS IRA limits ↩

Last updated 2026-09-27. Calculators are educational estimates, not financial advice. 2026 figures are inflation-adjusted projections from IRS guidance. Not financial advice, not tax advice. Estimation only; use a CPA or tax software to file. Disclosures · How pages are reviewed

An honest lookat what you'll owe.

Now actually file.

Where to go from here

Sources

An honest look
at what you'll owe.