Free US Tax Calculators & Estimators

What Each Tool Does

Every tool below opens instantly, needs no account, and processes your data locally in your browser. Here is what each one is for:

Salary After Tax

Gross-to-net with 2025 brackets, FICA and a state-tax selector — annual, monthly and per-paycheck take-home plus your marginal and effective rates. Open the Salary After Tax →

Paycheck

Hourly rate × real hours (overtime included) → the actual biweekly check after federal, FICA and state — the hourly worker's version of gross-to-net. Open the Paycheck →

Tax Refund

Income, withholding and credits in — refund or balance-due out, with the full liability math shown so the number isn't a mystery. Open the Tax Refund →

W-4 Withholding

Your projected year-end gap and the exact Step 4 line entry — extra withholding or deduction adjustment — that zeroes it out on the modern W-4. Open the W-4 Withholding →

Itemize or Not

SALT (capped), mortgage interest, charity and medical totaled against your standard deduction — verdict, tax savings, and the bunching strategy when it's close. Open the Itemize or Not →

Capital Gains

The tax on any sale — short vs long-term at your income level, the 0% bracket opportunity, and the 3.8% NIIT stacked properly. Open the Capital Gains →

SE Tax

The full 1099 tax stack — 15.3% SE tax computed correctly (92.35%, half-deductible), income tax on top, and your quarterly 1040-ES number. Open the SE Tax →

State Taxes

Any two states, same salary: effective income-tax hit in each, the annual difference, and the property/sales context that stops no-tax states from fooling you. Open the State Taxes →

QBI Deduction

Your Section 199A deduction computed with the 2025 thresholds, the SSTB phaseout, and the lesser-of taxable-income limit that trips people. Open the QBI Deduction →

Schedule C

Revenue minus the real IRS expense categories → net profit, with the tax stack it feeds and the deductions freelancers most often miss. Open the Schedule C →

Home Office

Both methods computed side by side — $5/sq ft simplified vs the actual-expense percentage — with the exclusive-use rule that decides eligibility. Open the Home Office →

Mileage

Business, medical and charity miles converted at the current IRS rates, the standard-vs-actual method comparison, and the log format that survives audits. Open the Mileage →

Child Tax Credit

Per-child credit with 2025 amounts, the $200k/$400k phaseouts, the refundable portion for lower incomes, and the $500 other-dependent credit. Open the Child Tax Credit →

EITC

The 2026 EITC computed through its phase-in/plateau/phase-out geometry — up to $8,231, fully refundable, and missed by one in five eligible workers. Open the EITC →

Dependent Care

The FSA-or-credit decision solved for your bracket and daycare bill — plus the split strategy that sometimes beats both alone. Open the Dependent Care →

Education Credits

AOTC's $2,500 (partly refundable, undergrads) vs Lifetime Learning's $2,000 (everyone else) — computed with the shared income phaseout and the coordination rules. Open the Education Credits →

HSA

2025 limits by coverage tier, the bracket + FICA savings on every dollar in, and the invested-HSA projection that makes it a stealth retirement account. Open the HSA →

Health FSA

Election sizing from your predictable expenses — the tax saved per dollar, the forfeiture cliff, and the year-end spend-down list. Open the Health FSA →

Charitable Giving

Cash vs appreciated stock vs QCD compared for your bracket — plus the standard-deduction reality check and the bunching fix. Open the Charitable Giving →

Medical Deduction

Medical costs against the 7.5%-of-AGI floor — the deductible slice, the surprisingly broad eligible list, and the year-stacking strategy. Open the Medical Deduction →

Dividend Tax

Qualified dividends through the 0/15/20 brackets, ordinary dividends at your wage rate, NIIT on top — and the 61-day rule that decides which is which. Open the Dividend Tax →

Crypto Tax

Sale-and-swap gains at your rate, short vs long-term, staking/mining as income — and the no-wash-sale loss harvesting crypto uniquely allows. Open the Crypto Tax →

NFT Tax

Collector sales at capital-gains or 28% collectible rates, the hidden second tax event when you pay in ETH, and creator income treated properly. Open the NFT Tax →

Gambling Tax

Winnings taxed as ordinary income, the losses-only-if-you-itemize trap, W-2G thresholds by game, and the 2026 90%-loss-cap change. Open the Gambling Tax →

Estate Tax

The 40% federal tax above $15M/person (2026), spousal portability, the step-up that matters to everyone — and the state layers that bite far lower. Open the Estate Tax →

Gift Tax

$19k per recipient per giver, doubled for couples, unlimited for tuition/medical paid directly — and the Form 709 that tracks (but rarely taxes) the rest. Open the Gift Tax →

State Inheritance

Every state's estate/inheritance regime in one lookup — exemptions from $1M, heir-relationship rates, and your estimated exposure. Open the State Inheritance →

AMT

The parallel 26/28% computation with 2025 exemptions and phaseouts — and the ISO-exercise preference item that creates most real AMT bills. Open the AMT →

EV Tax Credit

Honest status: the federal $7,500/$4,000 credits ended Sept 30, 2025 — this tool checks late-2025 purchase claims and maps the state/utility money that survives. Open the EV Tax Credit →

Solar Credit

The 30% federal credit's 2025-installation claims (filing now) plus honest post-credit payback math with net metering and state incentives. Open the Solar Credit →

Energy Upgrades

Per-upgrade math: 2025 25C credit claims, the income-based HEAR rebates still paying up to $8,000, and each project's honest annual bill savings. Open the Energy Upgrades →

Hobby vs Business

The nine-factor profit-motive test as an interactive scorecard, the 3-of-5-years presumption, and the brutal math of hobby classification. Open the Hobby vs Business →

Stimulus Checks

The 2020–21 rounds computed for your household, the (now-closed) claim deadlines, the truth about 'fourth stimulus' rumors — and the scams to ignore. Open the Stimulus Checks →

How to Choose the Right Tool

For take-home pay questions, use Paycheck (hourly) or Salary After Tax (annual), and W-4 Withholding to tune what's deducted. Planning a filing, start with the Tax Refund Estimator and the Itemized vs Standard tool. Self-employed? Schedule C, Self-Employment Tax, QBI and Home Office cover the quarterly-taxes stack. Investors should use Capital Gains, Dividend Tax and the Crypto calculator. And for family credits — Child Tax Credit, EITC, Dependent Care FSA and the education credits — each tool checks eligibility as well as amount.

Frequently Asked Questions

Which tax year do these tools use?

Each tool states its tax-year assumptions directly on the page, using the most recent IRS-published figures for brackets, standard deductions and credit amounts at the time of the last site update.

Are these estimates good enough to file with?

They're planning tools. They'll get you very close for straightforward situations, but filing software or a CPA verifies the edge cases — multiple states, AMT interactions, phase-outs stacking.

Do the tools handle state income tax?

The State Income Tax Comparator covers state-level rates specifically; the federal tools focus on federal liability and note where state tax would apply on top.

Is my income data kept private?

Yes — every calculation happens in your browser. No income figure, filing status or SSN-adjacent detail is ever transmitted or stored.

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