Tax & IRS

Federal and state income tax calculators, tax credits, deductions, and IRS tools based on current rates.

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Federal Income Tax Calculator 2026 — Free IRS Tax Estimator

2026

Calculate your 2026 federal income tax, bracket, effective rate, FICA, and take-home pay. Free, instant results based on official IRS rates and brackets.

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Capital Gains Tax Calculator 2026 — Short & Long-Term Rates

2026

Calculate short-term and long-term capital gains tax on stocks, real estate, and investments. Includes NIIT. Free, instant results based on 2026 IRS brackets.

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Child Tax Credit Calculator 2026

2026

Calculate your Child Tax Credit and Other Dependent Credit. See phase-out thresholds and net credit amount for your income.

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Earned Income Tax Credit (EITC) Calculator 2026

2026

Check if you qualify for the EITC and calculate your credit amount based on income, filing status, and number of children.

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Lottery Tax Calculator — Powerball & Mega Millions After-Tax Payout

Calculate your after-tax lottery winnings for Powerball and Mega Millions. Compare lump sum vs annuity with federal and state taxes. Free, instant results.

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Marriage Tax Calculator (Penalty vs Bonus)

2026

Calculate whether marriage will increase or decrease your combined tax bill. Compare filing single vs married jointly.

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Sales Tax Calculator

Calculate sales tax by state and city. See state rate, local rate, and total tax on your purchase.

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Federal Estate Tax Calculator

2026

Calculate federal estate tax with 2026 exemption ($15M). See state estate tax if applicable.

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Gift Tax Calculator

2026

Calculate gift tax with 2026 annual exclusion ($19,000) and lifetime exemption. See remaining exemption.

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Social Security Benefits Tax Calculator

Calculate how much of your Social Security benefits are taxable based on combined income.

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Stock Options Tax Calculator (ISO vs NSO)

Calculate tax on ISO and NSO stock options at exercise and sale. Compare ISO vs NSO tax treatment.

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RSU Tax Calculator

Calculate tax on restricted stock units at vesting. See federal, state, and FICA withholding.

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ESPP Calculator

Calculate ESPP gains and tax treatment for qualifying vs disqualifying dispositions.

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Tax Bracket Calculator

2026

See exactly which tax brackets your income falls into. Visual breakdown across all filing statuses.

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W-4 Calculator (Withholding Optimizer)

2026

Optimize your W-4 form to avoid a big refund or owing taxes. See recommended withholding settings.

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Alternative Minimum Tax (AMT) Calculator

2026

Calculate whether you owe AMT from ISO stock options, SALT deductions, or high income.

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Charitable Donation Tax Calculator

Calculate tax deduction for cash or stock donations. See AGI limits and donor-advised fund benefits.

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Education Credit Calculator (AOTC & LLC)

2026

Compare American Opportunity and Lifetime Learning credits. See which saves more for your situation.

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AGI Calculator (Adjusted Gross Income)

Calculate your Adjusted Gross Income from total income and above-the-line deductions.

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Tax Withholding Estimator

Check if you are withholding enough taxes. See if you will owe or get a refund at year-end.

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Child & Dependent Care Credit Calculator

Calculate the Child and Dependent Care Credit vs DCFSA. See which saves more.

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Nanny Tax Calculator (Schedule H)

Calculate household employment taxes for nannies, housekeepers, and other household employees.

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Effective Tax Rate Calculator

Calculate your true effective tax rate including federal, state, and FICA. Compare to marginal rate.

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Moving Tax Deduction Calculator

Calculate military moving expense deduction. Post-2018: only active duty military qualifies.

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Home Office Deduction Calculator

Compare simplified ($5/sqft) vs regular home office deduction. See which method saves more.

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Charitable Remainder Trust Calculator

Calculate CRT annual payout, charitable deduction, and tax savings.

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Tax Loss Harvesting Calculator

Calculate tax savings from harvesting investment losses against gains. See $3,000 carryforward rules.

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Qualified Charitable Distribution Calculator

Calculate QCD tax savings from donating directly from your IRA at age 70.5+. Satisfies RMD.

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Net Unrealized Appreciation (NUA) Calculator

Compare NUA strategy vs IRA rollover for employer stock. See LTCG vs ordinary income tax savings.

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Passive Activity Income Calculator

Calculate taxable passive income with loss limitations and $25K rental exception.

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Tax Bracket Year-Over-Year Comparison

2026

Compare your tax liability under 2025 vs 2026 brackets. See how bracket inflation adjustments affect you.

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SALT Deduction Calculator

Calculate your SALT deduction with the $10,000 cap. See how much you lose to the cap.

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Estate Tax Exemption Calculator

2026

Calculate estate tax with 2026 exemption ($15M) and 2026 sunset. See portability for married couples.

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Trust Income Tax Calculator

2026

Calculate income tax for trusts using the compressed trust tax brackets. 37% at just $16,000!

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Donor Advised Fund Calculator

Calculate DAF tax benefits with bunching strategy. See capital gains avoided on appreciated stock.

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House Flip Tax Calculator

Calculate taxes on house flipping profits. See short-term vs long-term and dealer status impact.

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Tax Preparation Cost Calculator

Estimate tax prep cost by return complexity and filing method (DIY, CPA, enrolled agent).

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Tax-Free Income Calculator

Calculate maximum income you can earn tax-free with standard deduction and credits.

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Dependent Qualification Calculator

Check if you can claim someone as a tax dependent. See qualifying child vs relative rules.

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Tax Refund Timeline Calculator

Estimate when your tax refund will arrive based on filing and payment method.

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Standard Deduction Calculator 2026

2026

Find your standard deduction amount by filing status, age, and blindness.

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Taxable Income Calculator

Calculate taxable income from gross income, adjustments, and deductions.

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Payroll Withholding Calculator

Calculate per-paycheck federal withholding from W-4 inputs.

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W-2 Verification Calculator

Verify W-2 boxes from gross wages and pre-tax deductions. Spot discrepancies.

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1099-NEC Tax Calculator

Calculate SE tax, income tax, and quarterly payments from 1099-NEC income.

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Home Energy Tax Credit Calculator

2026

Calculate 25C and 25D energy efficiency credits for solar, heat pumps, insulation, and more.

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EV Tax Credit Calculator 2026

2026

Check eligibility for the $7,500 new or $4,000 used EV tax credit with MSRP and income limits.

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Itemized Deduction Calculator

Calculate total itemized deductions and compare to standard deduction.

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Medical Expense Deduction Calculator

Calculate deductible medical expenses exceeding the 7.5% AGI threshold.

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Educator Expense Deduction Calculator

Calculate the $300 teacher supply deduction ($600 joint) for educators.

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Student Loan Interest Deduction Calculator

Calculate student loan interest deduction with MAGI phase-out.

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IRS Penalty Calculator

Calculate failure-to-file and failure-to-pay penalties with interest.

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Tax Extension Calculator

Calculate balance due and penalties when filing a tax extension (Form 4868).

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Dividend Tax Calculator

Calculate tax on qualified vs ordinary dividends at your income level.

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Capital Gains Harvesting Calculator

Calculate tax savings from harvesting gains in the 0% LTCG bracket.

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Tax Bracket Lookup Tool

Instantly see your tax bracket and per-bracket breakdown from income and filing status.

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Dependent Care FSA Calculator

Calculate tax savings from Dependent Care FSA vs Child Care Credit.

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Adoption Tax Credit Calculator

Calculate adoption tax credit up to $17,810 for 2026 with income phase-out.

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EITC Lookup Calculator

Calculate exact Earned Income Tax Credit from detailed phase-in/phase-out tables.

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Savings Bond Education Tax Exclusion Calculator

Calculate tax-free portion of savings bond interest used for education.

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Foreign Tax Credit Calculator

Calculate foreign tax credit vs deduction and see which saves more.

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Kiddie Tax Calculator

Calculate kiddie tax on child unearned income above $2,500 at parent rate.

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AMT Lookup Calculator

Check if you owe AMT from AMTI, exemption, and phase-out calculations.

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Alternative Minimum Tax Calculator

Look up AMT exemption amounts and estimate alternative minimum tax liability.

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Child Care FSA Calculator

Calculate tax savings from a Dependent Care Flexible Spending Account.

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Earned Income Credit Calculator

Look up Earned Income Tax Credit amount by income, filing status, and children.

About Tax & IRS Calculators

These calculators help US taxpayers estimate what they owe the IRS, plan around the tax code before year-end, and avoid surprises at filing time. They matter most when your money situation changes: a raise, a home sale, a bonus paid in stock, a baby, a marriage, or a windfall.

Run the Federal Income Tax Calculator 2026 to size up your total liability before you file, and the W-4 Calculator to set withholding so you neither owe a penalty nor hand the government an interest-free loan. Sold an asset or vested equity? The Capital Gains Tax Calculator separates short-term from long-term rates, while the RSU Tax Calculator and Stock Options Tax Calculator (ISO vs NSO) show how compensation gets taxed as ordinary income or capital gain.

Families lean on the Child Tax Credit Calculator and EITC Calculator to test eligibility and phase-outs, and the Marriage Tax Calculator reveals whether filing jointly helps or hurts. All figures track current IRS brackets (10% to 37%) and SSA thresholds, but final numbers belong on your return.

Frequently Asked Questions

What's the difference between short-term and long-term capital gains tax?
The IRS taxes gains on assets you held one year or less as short-term, applying your ordinary income tax rate (up to 37%). Gains on assets held more than a year qualify as long-term and are taxed at lower rates that depend on your taxable income. This holding-period line is why selling even a day early can sharply raise your bill.
Why do I owe taxes when my employer already withheld money from my paycheck?
Withholding is only an estimate based on the W-4 you filed, and it often misses income your employer doesn't see, such as freelance work, investment gains, or RSU vesting. If withholding falls short of your actual liability, the balance is due at filing, and the IRS can charge an underpayment penalty. Adjusting your W-4 or making quarterly estimated payments closes the gap.
Are Social Security benefits taxable?
Up to 85% of your Social Security benefits can be subject to federal income tax, depending on your 'combined income' (adjusted gross income plus nontaxable interest plus half your benefits). The SSA and IRS use fixed income thresholds that are not adjusted for inflation, so more retirees cross them over time. Below the lowest threshold, benefits are not federally taxed at all.
How are RSUs and stock options taxed differently?
RSUs are taxed as ordinary income at vesting, based on the share value that day, and that amount is reported on your W-2. Incentive stock options (ISOs) can defer ordinary tax but may trigger the Alternative Minimum Tax when you exercise and hold, while non-qualified options (NSOs) are taxed as ordinary income on the spread at exercise. Selling the shares later creates a separate capital gain or loss.
Does getting married change how much federal tax I pay?
It can go either way. When two earners have similar incomes, filing jointly may push them into a higher bracket and create a 'marriage penalty'; when one spouse earns much less, joint filing often produces a 'marriage bonus.' The IRS sets joint brackets and the standard deduction at roughly double the single amounts in the lower brackets but not the top ones, which is where penalties tend to appear.