Free planning tool

U.S. tax calculator

Understand your taxes, one step at a time.

2025 tax year

Estimate federal income tax and your filing balance. Add a supported state calculation or your official state and local estimates for a combined view.

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Your tax information

About your return

Annual amounts in U.S. dollars.

Age, dependents & special situations

Count only dependents who meet the 2025 Schedule 8812 eligibility and SSN / taxpayer ID rules, including the filer's required SSN. Do not count the same person twice.

Income

Start with wages. Expand only what applies.

W-2 box 1, not gross salary. Pretax payroll deductions are already excluded.

Otherwise, box 1 is used for boxes 3 and 5. Check this if you made pretax retirement contributions, exceeded the Social Security wage cap, or have different wage bases.

Self-employment & freelance income

Enter Schedule C net profit after allowable business expenses. Self-employment tax and its deductible half are calculated automatically. Losses must already meet applicable loss limitations.

Investments & capital gains

Used for Social Security taxation, not added to federal taxable interest.

Form 1099-DIV, box 1a. Includes qualified dividends.

Form 1099-DIV, box 1b. A subset of total dividends.

Schedule D, line 7, including existing carryovers. Losses may be negative.

Schedule D, line 15. Excludes special 25% / 28% gains. Losses may be negative.

Retirement, Social Security & other income

Enter the taxable portion, not the total distribution. Exclude rollovers and qualified Roth distributions.

SSA-1099 box 5. The taxable share is calculated automatically; lump-sum elections are unsupported.

After passive-loss and at-risk limits. Assumed passive for NIIT unless overridden below. Losses may be negative.

Include unemployment and other ordinary income not entered elsewhere. NIIT treatment may need an override. Losses may be negative.

Deductions & credits

Your standard deduction is included automatically.

Adjustments & itemized deductions

Eligible Schedule 1 adjustments after limits (e.g. deductible IRA, HSA or student-loan interest). Exclude the automatically calculated half of SE tax and W-2 pretax deductions. Social Security / IRA circular worksheets require separate review.

Only the amount above 7.5% of AGI is deducted automatically.

Income OR sales tax, plus eligible property taxes. The 2025 SALT cap and phaseout apply automatically.

Enter the amount after debt and use limits, not necessarily all interest paid.

Enter the allowed amount after AGI limits and carryovers from Schedule A.

From Schedule A after applicable limits; exclude entries already above.

Enter the final allowed tips, overtime and car-loan deductions AFTER eligibility limits and phaseouts. Exclude the senior deduction calculated here.

Qualified business income (QBI)
Additional credits & taxes

Use the official worksheets to establish eligibility and allowed amounts. Do not duplicate the dependent credits, self-employment tax, AMT, NIIT or Additional Medicare Tax calculated here.

Credit ordering and AMT interactions are not calculated. For foreign-tax or other special credits, mark the return as outside automatic coverage.

Enter the amount from the IRS EITC worksheet. EITC eligibility and amount are not calculated here.

Exclude EITC and ACTC. Include verified excess Social Security withholding here if applicable.

E.g. verified early-distribution tax or excess advance premium tax credit repayment.

Net Form 6251 adjustments beyond standard / SALT and senior deduction add-backs. Foreign tax credits, special-rate gains, AMT-specific gains and carryovers are unsupported. Losses may be negative.

Form 8960 amounts allowed against investment income; not all itemized expenses qualify.

Payments, state & local

Withholding is a payment, not your final tax.

W-2 box 2 and federal withholding on 1099s. Include your spouse if filing jointly; exclude Social Security and Medicare.

Include prior-year overpayment applied to 2025.

Only the credit from Form 8959, line 24, not all W-2 box 6 withholding. Do not also include it above.

State income tax

State and local taxes remain unknown until you choose a method. Federal taxable income is not a substitute for your state’s taxable-income base.

Local income tax

Check every relevant city, county and school district for both residence and work. A rate estimate assumes one verified base and a flat rate; exemptions, thresholds and credits must already be reflected or use an official liability.

Find state and local tax authorities ↗

Empty optional amounts mean $0. Confirm eligibility, deductions and credits before relying on an estimate. See full coverage.

Know what is included

Coverage & assumptions

This is a planning estimate for tax year 2025, not a filed return or tax advice. It does not calculate every U.S. tax situation. Federal tax uses continuous rate schedules rather than the IRS filing tax tables below $100,000; return amounts can differ. Calculations retain cents; displayed results round to whole dollars.

Calculated here

Five filing statuses; wages; ordinary and qualified dividends; net capital gains and limited losses; taxable retirement income; the regular Social Security worksheet; self-employment tax with separate spouse caps; standard and supported itemized deductions; the enhanced senior deduction; simplified QBI; dependent credits and the earned-income ACTC method; basic AMT, NIIT and Additional Medicare Tax.

Needs your verified amounts

State taxable income and state credits; other-state credits; itemized mortgage, charitable and other deductions after their limits; eligible Schedule 1 adjustments; tips, overtime and car-loan deductions after Schedule 1-A limits; QBI after business-level adjustments; EITC, education, energy and other credits; complex ACTC and other additional taxes.

State & local coverage

Full-year residents of Illinois, Indiana, Kentucky, Michigan, North Carolina and Pennsylvania can calculate the flat state tax using their state worksheet's taxable income. This tool does not derive that base from federal income. Every other state, DC, part-year and multi-state cases require an official liability entry. Local tax uses your verified taxable base and rate, an official liability, or your explicit confirmation that none applies.

Outside automatic coverage

Nonresident or dual-status federal returns; taxpayers claimed as dependents; foreign-income exclusions; community-property allocations; business entities and business-level state taxes; farm, clergy and railroad rules; special capital-gain rates or AMT basis differences; loss and credit carryovers; Social Security lump-sum elections; premium tax credit reconciliation; credit-specific AMT interactions; penalties and interest. A selected unsupported situation prevents a combined total.

Official sources · reviewed

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