Tax47 Calculators
Free 2026 US federal tax calculators — brackets, refunds, credits, deductions, and the new One Big Beautiful Bill changes. No signup, no email — just answers.
Income & Tax
- Tax Bracket Calculator See exactly how your 2026 income is taxed across federal brackets, with effective and marginal rates by filing status and the 2026 standard deduction.
- Free Capital Gains Tax Calculator 2026 Estimate your federal capital gains tax on stocks, real estate, and other assets with short-term and long-term rates plus the 3.8% NIIT.
- Self-Employment Tax Calculator 2026 Estimate your self-employment tax (Social Security + Medicare) on freelance, 1099, or business income with quarterly payment estimates.
- Marriage Tax Penalty Calculator 2026 Compare your federal tax as two single filers vs. married filing jointly to find out if marriage creates a tax penalty or bonus — and exactly how much.
- Social Security Tax Calculator 2026 Calculate your 2026 Social Security tax, Medicare tax, and Additional Medicare Tax with the $184,500 wage base cap and filing-status thresholds.
- Bonus Tax Calculator 2026 Calculate take-home pay on a bonus using the IRS percentage method (22% flat, 37% over $1M) or aggregate method, plus FICA and state tax.
- Free Tax Refund Estimator 2026 Project your 2026 federal tax refund from W-2 wages, withholding, dependents, and deductions using the latest IRS brackets and Child Tax Credit rules.
Deductions
- Charitable Contribution Deduction Calculator 2026 Estimate your 2026 charitable deduction and federal tax savings, with the new 0.5% AGI floor, the $1,000/$2,000 non-itemizer deduction, and AGI limits applied.
- IRS Mileage Deduction Calculator 2026 Estimate your 2026 IRS standard mileage deduction at 72.5¢/mile for business, 20.5¢ for medical, and 14¢ for charitable, with federal and self-employment tax savings.
- Itemized vs Standard Deduction Calculator 2026 Compare itemized deductions against the 2026 standard deduction to see which saves more federal tax — with SALT cap and medical-expense math built in.
- QBI Deduction Calculator 2026 Estimate your 2026 QBI deduction under Section 199A, including the 20% pass-through rate, phase-in range, wage limits, SSTB rules, and $400 minimum.
- Student Loan Interest Deduction Calculator 2026 Estimate your 2026 student loan interest deduction (IRC §221) after the $2,500 cap and MAGI phase-out, plus your estimated federal tax savings.
- Mortgage Interest Deduction Calculator 2026 Estimate your 2026 mortgage interest deduction, SALT-capped property taxes, and itemized savings vs the $16,100 / $32,200 standard deduction.
Credits
- Free Child Tax Credit Calculator 2026 Estimate your Child Tax Credit (CTC), Additional Child Tax Credit (ACTC), and Credit for Other Dependents by income, filing status, and kids.
- Free Earned Income Credit Calculator 2026 Estimate your 2026 Earned Income Tax Credit (EITC) by earned income, filing status, and qualifying children — eligibility, amount, and phase-out.
- Child and Dependent Care Credit Calculator 2026 Estimate your 2026 Child and Dependent Care Credit under OBBBA — 20% to 50% of up to $3,000 (one) or $6,000 (two or more) in care expenses.
- Adoption Tax Credit Calculator 2026 Estimate your 2026 federal Adoption Tax Credit under OBBBA — up to $17,670 per child with up to $5,120 refundable, plus MAGI phase-out.
- Dependent Care FSA vs. Credit Calculator 2026 Compare the 2026 Dependent Care FSA ($7,500 limit) against the 20%-50% Dependent Care Credit and find the optimal split under the OBBBA.
- Saver's Credit Calculator Estimate your federal Saver's Credit (IRS Form 8880) based on AGI, filing status, and 2026 retirement contributions to a 401(k), IRA, or similar plan.
Retirement & Savings
- Solo 401(k) Contribution Calculator 2026 Estimate your maximum 2026 Solo 401(k) contribution from self-employment or S-corp income: employee deferral, employer share, catch-up, and tax savings.
- Roth IRA Conversion Tax Calculator 2026 Estimate the federal and state tax cost of converting a traditional IRA to a Roth IRA and find the optimal amount to convert before jumping to the next bracket.
- HSA Tax Savings Calculator 2026 Estimate federal, state, and FICA tax savings from Health Savings Account contributions with 2026 limits, catch-up, and employer contributions.
- 401(k) Early Withdrawal Penalty Calculator 2026 Estimate the 10% IRS penalty, federal income tax, and state income tax on an early 401(k) withdrawal to see how much you actually keep after cashing out.
- Traditional IRA Deduction Calculator 2026 See how much of your 2026 traditional IRA contribution is tax-deductible based on MAGI, filing status, and workplace plan coverage, with tax savings.
Estimated Taxes
- Estimated Quarterly Tax Calculator 2026 Estimate your 2026 federal quarterly tax payments based on income, deductions, and withholding — with safe harbor amounts and IRS due dates.
- IRS Underpayment Penalty Calculator 2026 Estimate your IRS underpayment penalty for not paying enough federal tax through withholding or quarterly estimated payments.
New 2026 Law
- No Tax on Overtime Calculator 2026 (OBBBA) Estimate federal tax savings under the OBBBA qualified overtime deduction — up to $12,500 single / $25,000 joint of FLSA premium, with MAGI phase-out.
- No Tax on Tips Calculator 2026 (OBBBA) Estimate 2026 federal tax savings from the OBBBA No Tax on Tips deduction, including the $25,000 cap, MAGI phase-out, and FICA impact.
- Senior Bonus Deduction Calculator Estimate your OBBBA senior bonus deduction up to $6,000 per filer age 65+ ($12,000 joint), with phase-out above $75k/$150k MAGI.
General
- 1099 Tax Calculator 2026 Estimate the self-employment tax, federal income tax, and quarterly payments you owe on 1099 and freelance income.
- 529 Plan Tax Savings Calculator Estimate your state income tax savings from 529 college plan contributions and see how federal tax-free growth builds your balance.
- Free American Opportunity Tax Credit Calculator 2026 Estimate the 2026 American Opportunity Tax Credit (up to $2,500 per student) from college expenses and MAGI, with refundable and non-refundable portions.
- Effective Tax Rate Calculator Calculate your 2026 effective federal tax rate and see how it compares to your marginal tax bracket.
- Estate Tax Calculator Estimate the federal estate tax owed using the 2026 $15 million exclusion, the unified 18% to 40% rate schedule, deductions, and spousal portability.
- FICA Payroll Tax Calculator 2026 Calculate your 2026 FICA payroll taxes, including Social Security to the wage base, Medicare, and the 0.9% Additional Medicare Tax.
- Gift Tax Calculator See how much of your gifts the annual exclusion covers, how much lifetime exemption you use, and whether you owe federal gift tax.
- Home Office Deduction Calculator Estimate your home office tax deduction and compare the simplified $5-per-square-foot method against the regular actual-expense method.
- IRS Late Filing & Late Payment Penalty Calculator Estimate IRS failure-to-file and failure-to-pay penalties plus daily-compounded interest on unpaid federal tax.
- Free Lifetime Learning Credit Calculator 2026 Estimate the 2026 Lifetime Learning Credit (up to $2,000 per return) from qualified education expenses, filing status, and MAGI, with the phase-out applied.
- MAGI Calculator Calculate your 2026 Modified Adjusted Gross Income from your AGI and add-backs, with the right formula applied for Roth IRA, IRA deduction, ACA premium tax credit, IRMAA, or net investment income tax.
- Paycheck Take-Home Pay Calculator Estimate your 2026 net paycheck after federal income tax, Social Security, Medicare, and pre-tax deductions like 401(k) and HSA.
- Tax-Loss Harvesting Calculator Estimate your tax savings from offsetting capital gains with harvested investment losses, including the $3,000 ordinary-income deduction and loss carryforward.
- W-4 Withholding Calculator Estimate the federal tax withheld from each paycheck and find the W-4 Step 4(c) extra amount that lets you break even at tax time.