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 income is taxed across federal brackets with effective and marginal rates.
- 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.
- Bonus Tax Calculator 2026 Calculate take-home pay on a bonus using the IRS percentage method (flat 22% / 37% over $1M) or aggregate method, plus Social Security, Medicare, and state withholding for 2026.
- 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
- Itemized vs Standard Deduction Calculator 2026 Compare your itemized deductions against the 2026 standard deduction to find which saves you more in federal taxes, with SALT cap, medical expense threshold, and charitable floor calculations 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 and state tax write-offs, and total itemized savings versus the new $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 based on your income, filing status, and number of qualifying children.
- Free Earned Income Credit Calculator 2026 Estimate your Earned Income Tax Credit (EITC) for 2026 based on earned income, filing status, and qualifying children. See eligibility, credit amount, and phase-in/phase-out details.
- Child and Dependent Care Credit Calculator 2026 Estimate your 2026 Child and Dependent Care Credit under the OBBBA enhancement — 20% to 50% of up to $3,000 (one dependent) or $6,000 (two or more) in qualifying care expenses.
- Adoption Tax Credit Calculator 2026 Estimate your 2026 federal Adoption Tax Credit under the OBBBA enhancement — up to $17,670 per child, with up to $5,120 refundable. Models qualified expenses, MAGI phase-out, special-needs adoptions, and the 5-year carryforward.
- Dependent Care FSA vs. Credit Calculator 2026 Compare the 2026 Dependent Care FSA ($7,500 limit) against the 20%-50% Child and Dependent Care Credit and find the optimal split between the two 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
- 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 your federal, state, and FICA tax savings from Health Savings Account contributions with 2026 limits, catch-up eligibility, and employer contribution tracking.
- 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 the deductible amount, nondeductible portion, and federal tax savings in seconds.
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 your federal income tax savings under the OBBBA qualified overtime deduction — up to $12,500 single / $25,000 joint of the FLSA overtime premium, with MAGI phase-out at $150K / $300K.
- 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.