Tax Calculators
Tools for estimating what you owe on current 2026 rules: work out your federal income tax and where you land in the brackets, the tax on a capital gain by holding period, quarterly estimated tax for 1099 income, and sales tax by state — every rate tied to its source, and every result an estimate rather than tax advice.
12 calculators · 8 guides
Income Tax Calculator
Estimate your income tax, effective and marginal tax rate, and see how much you owe in each tax bracket.
Capital Gains Tax Calculator
Estimate the federal tax on a stock or property sale, compare short-term vs long-term rates, and include the 3.8% NIIT.
Sales Tax Calculator
Enter a purchase amount and your state to see the sales tax and total, using 2026 average combined state and local rates.
Estimated Tax Calculator
Estimate your 2026 self-employment and federal income tax and what to pay the IRS each quarter.
Senior Deduction Calculator
See how much of the new $6,000 senior deduction you get in 2026, how the income phase-out and taxable Social Security affect it, and the tax it saves.
HSA Calculator
See how much you can put in an HSA ($4,400 or $8,750 in 2026; $4,500 or $9,000 in 2027) and how much federal, FICA, and state tax it saves you.
W-4 Withholding Calculator
See how much federal tax is withheld from each paycheck, whether you’ll owe or get a refund, and what to put on W-4 Steps 3 and 4.
No Tax on Tips & Overtime Calculator
Estimate your 2026 “no tax on tips” and “no tax on overtime” deductions, plus the $6,000 senior deduction — with income phase-outs and the federal tax you save.
Tax Refund Calculator
Estimate your 2026 federal tax refund (filed in 2027) from wages, withholding, child tax credit, EITC, and the new tips, overtime, and senior deductions.
Tax Bracket Calculator
Find your 2026 federal tax bracket and see exactly how much of your income is taxed at each rate, plus your effective tax rate and room before the next bracket.
Earned Income Credit Calculator
Estimate your 2026 earned income tax credit by income, filing status, and number of children — up to $8,231 — and where you fall on the phase-out.
Child Tax Credit Calculator
Estimate your 2026 child tax credit — $2,200 per child, up to $1,700 refundable — plus the $500 credit for other dependents, with the income phase-out.
You are not taxed at a single rate
The federal income tax is progressive, which means it applies in layers. Only the income that falls inside a given bracket is taxed at that bracket’s rate — moving into a higher bracket never lowers your take-home pay, because only the dollars above the threshold are taxed more. This is the difference between your marginal rate (the rate on your last dollar) and your effective rate (the average across all your income).
The income-tax calculator shows both, along with which brackets your income spans. Understanding the two rates settles a common fear — a raise is always worth taking — and helps you judge the real value of a deduction, which saves tax at your marginal rate, not your average one.
Not all income is taxed the same way
A dollar of wages and a dollar of investment profit can carry very different tax bills. Profit on an asset held longer than a year is a long-term capital gain, taxed at lower rates than ordinary income; sell inside a year and the gain is short-term, taxed like a paycheck. That one-year line can change the tax on a sale substantially.
The capital-gains calculator estimates the tax by holding period and income level, so the timing of a sale becomes a deliberate decision rather than an afterthought. Everything here is an estimate to plan with — not tax advice — so confirm anything consequential with a professional before you act.
If no one withholds for you, you owe it directly
Employees have tax pulled from every paycheck automatically. Freelancers, contractors, and investors with untaxed income usually do not, and the IRS expects that tax throughout the year in quarterly estimated payments rather than one lump sum at filing — underpay and you can owe a penalty on top of the tax.
The estimated-tax calculator projects those quarterly amounts from your expected income, and for anything you buy, the sales-tax tool applies the correct combined state and local rate. The goal across all of these is the same: know the number early enough to set the money aside.
Sales tax by state
2026 state and average local rates, with the tax on common purchases.
Guides & articles
Plain-English explainers to go with the calculators above — every figure tied to its source.
2027 HSA Contribution Limits (and 2026): Full Guide
The IRS has already set the 2027 HSA limits: $4,500 for self-only coverage and $9,000 for families. Here are the 2026 and 2027 numbers, who qualifies, and how to decide between an HSA and an FSA at open enrollment.
2027 Tax Brackets & Standard Deduction (Projected)
The IRS hasn’t published its 2027 numbers yet, but the major tax publishers agree on nearly every line: about 3.2% higher brackets, a $16,600 / $33,200 standard deduction, and a $20,000 gift exclusion.
No Tax on Tips: How the $25,000 Deduction Works
Tipped workers can now deduct up to $25,000 of tips from their federal taxable income — but it isn’t truly “no tax.” Here’s exactly what it covers, what it doesn’t, and what it’s worth.
No Tax on Overtime: What You Can Deduct in 2026
Overtime isn’t tax-free under the new law — only the extra half of your time-and-a-half pay is deductible. Here’s how to figure your deduction and what it’s worth.
Tax-Loss Harvesting: Cut Your 2026 Tax Bill
Have investments that are down? Selling them before December 31 can offset your gains and trim your ordinary income — as long as you avoid the wash-sale trap.
Marginal vs. Effective Tax Rate: The Difference
People say "I’m in the 22% bracket" as if 22% of their income vanishes. It doesn’t. Here’s the difference between your marginal and effective rate — and why it matters for every money decision.
How Much of Your Paycheck Goes to Taxes?
Your paycheck shrinks between gross and take-home for four separate reasons. Here’s each one, in 2026 numbers — and why being “in the 22% bracket” doesn’t mean 22% of your pay.
How to Fix Your W-4 Withholding: Stop Owing
A big refund and a surprise bill are the same problem — a W-4 that doesn’t match your real tax. Here’s how the form works and which line to change to land near $0.