Tax calculators.

Combined federal + state estimate in 2 minutes

2025/2026 federal tax with deductions and credits

State income tax for all 50 states

Side-by-side income tax for any two states — relocation math

How two states tax Social Security, 401(k)s, pensions & military pay

Take-home pay after federal, state, FICA

Optimize per-paycheck withholding

See which marginal bracket applies

Withholding on supplemental wages

Salary after federal, state & FICA — any state

When to expect your IRS refund

SE tax and deductions for 1099 earners

Should you elect S-Corp? Payroll-tax savings + break-even

Plan four estimated payments

Pass-through business deduction

Form 2210 underpayment estimate

Pass-Through Entity Tax vs the 2026 SALT cap phase-down — with the §199A QBI clawback modeled

Failure-to-file + failure-to-pay + daily interest on a late return, with the §6651(c) concurrent-month offset

Split-year 2026 math: 72.5¢ Jan-Jun, 76¢ Jul-Dec. Business, medical, and charitable miles.

Simplified ($5/sq ft, $1,500 cap) vs actual-expense side-by-side, with owner depreciation and the §280A income limit.

§183 rebuttable presumption plus nine-factor evidence organizer—without a verdict or score

Lesser-of income-tax exclusion, advance designation, parsonage value, Form 4361, and ministerial Schedule SE

§163(j) small-business screen, Form 8990 limit, current deduction, and carryforward

§461(l) limit after basis, at-risk, passive-loss, and Form 461 adjustments

Short and long-term capital gains

Room in the 0% band after stacking, NIIT, and the MAGI side-effects

Capital gains on crypto disposals

Form 1116 basket limits versus the completed-return benefit of a Schedule A foreign-tax deduction

30-day filing date, transfer income, forfeiture downside, and supplied-FMV comparison

$3,000 limit, ST/LT netting, and the exact carryforward from the official Schedule D worksheet

The 3.8% surtax on investment income above the unindexed $200k/$250k MAGI thresholds

Break-even contract rate after SE tax, QBI, benefits, and state tax

Live in one state and work in another? Reciprocity check plus the lesser-of resident credit

Alternative Minimum Tax exposure

RSU withholding gap + ISO AMT crossover

Qualifying vs disqualifying disposition, §423 lookback, 1099-B basis double-tax trap

First-year expensing: caps, lodging exception, and acquisition-date rates

Safe-harbor elections and the BAR test

MACRS 27.5-year residential

Section 1250 tax on sale

Like-kind exchange deferral and boot

45-day & 180-day deadline calculator

Net rental income analyzer

PAL deductibility under §469

Direct ownership vs REIT compare

NOI, cap rate, DSCR, cash-on-cash

Year-1 bonus depreciation estimator

CTC with 2025 OBBB updates

Qualifying child vs. relative, the Social Security rule, head of household

Earned Income Tax Credit eligibility

2026 state credit, refundability, and choice-state options

Married vs single filing compare

Which deduction wins for you

State & local tax deduction against the $40,000 (2025) / $40,400 (2026) cap, with the MAGI phase-down to the $10,000 floor

College savings and state benefits

IRC §25A per-student credit; AOTC $2,500 max (40% refundable) vs LLC $2,000 per return, with MAGI phase-outs and 529 coordination

$6,000 OBBB deduction

2026 federal + state estate tax ($15M exemption)

§121 exclusion + §1250 recapture + NIIT

IRC §1014 stepped-up basis + §1223(9) auto-long-term, bracket-stacked LTCG and NIIT. Most heirs owe far less than they fear.

Compare the actual deduction and credit methods for a repayment over $3,000—without a marginal-rate shortcut

Tax cost of Traditional → Roth

Required Minimum Distribution

Tax-advantaged HSA contributions

Month-by-month 2026/2027 limit, December election, testing-period exposure, and 10% recapture estimate

$20,000 base limit plus ABLE to Work room, with the new age-46 onset boundary and employer-plan disqualifier

60th-day deadline, replacement funds, one-rollover rule, plan-loan offsets, and late-deposit review

First-contribution anniversary, allowed destinations, 25% rate, and one-rollover screen

Separate IRA room and workplace-plan deduction phase-outs for each spouse

Taxable portion (Pub 915) + 62/67/70 break-even

Income-Related Monthly Adjustment Amount surcharges on Part B and Part D, with the two-year MAGI lookback and bracket cliffs

2026 & 2027 401(k) limits, IRA, SECURE 2.0 super catch-up, Roth mandate

2026 phase-out, pro-rata rule, §415(c) after-tax room

NIA per Reg. §1.408-11, timely-fix vs 6% excise, SECURE 2.0 §333 no 10% penalty on earnings

SECURE 2.0 §126: up to $35,000 lifetime from a 529 to the beneficiary's Roth IRA — with the 15-year, 5-year, and earned-income limits called out

Does your teen need to file? Dependent standard deduction, 1099 gig SE-tax trap, kiddie-tax waterfall with Form 8615 mechanics

Two-hat math for sole props and S-corps: employee deferral + employer 20%/25%, §415(c) cap, ages 50 & 60-63 catch-ups, SEP-IRA side-by-side

Side-by-side: with vs without installment agreement. 2026 setup fees ($29–$178), §6651(h) 0.25%/month rate cut, low-income waiver

All three IRS methods side by side, Notice 2022-6 max(5%, 120% AFR) rate cap, retroactive-penalty bust cost

TD 10001 fork: annual RMDs vs year-10 deadline, subtract-one method, Roth override, three withdrawal strategies compared

2025/2026 SSA exempt amounts, $1-per-$2 vs $1-per-$3 rule, FRA-year carveout, and the FRA recomputation credit

§402(e)(4) net unrealized appreciation vs. IRA rollover, with the lump-sum trap and 10% penalty carveout modeled

2026 & 2027 Marketplace credit, 400% FPL cliff meter, OBBB repayment clawback

Reconcile the advance premium tax credit from your Form 1095-A: repayment limitation table by FPL band, plus the 400% FPL full-clawback cliff now that enhanced subsidies have expired.

SECURE 2.0 §103 replaces the Saver's Credit with a refundable 50% federal match — up to $1,000 deposited straight into your retirement account. MAGI phase-out modeled.

IRC §4475 reaches only cash, money-order, and cashier's-check funding — bank, debit, and card transfers are exempt, so the honest answer is usually $0.

OBBBA 2026: state-declared disasters now qualify. Form 4684 waterfall with $100/event + 10% AGI floors.

State-average effective property tax rate (Census ACS) with TX homestead + FL Save Our Homes facts and SALT interaction.

Tiered 50/75/100% exclusion at 3/4/5 years, $15M or 10×-basis per-issuer cap, no AMT preference. Includes a 'wait until…' hold-vs-sell projection.

OBBB capped loss deductions at 90% starting TY2026 — model the phantom-income hit and compare 2025 vs 2026 tax owed.

Two W-2 jobs in one year? Compute the Schedule 3 credit against the 2025/2026 per-person max — plus the one-employer W-2c trap.

The ARPA exclusion expired Dec 31, 2025 — IDR forgiveness is taxable again. Bracket-stacked federal estimate (not a naive flat rate), PSLF/TPD carve-outs (TPD and death discharges need a work-valid SSN on the return from 2026), and the §108 insolvency escape hatch with Form 982.

Up to $2,500 above the line under IRC §221, with the exact 2025 and 2026 MAGI phase-out bands, the MFS bar, and the dependent bar

OBBB raised the DCFSA to $7,500 and rewrote the §21 credit curve. Two-part tool: applicable-percentage credit + side-by-side FSA-vs-credit decision with the §21(c) no-double-dip rule.

2026 threshold newly indexed to $3,000 (up from $2,800). Cliff math: at/over → FICA on ALL wages from dollar one. Schedule H remit, FUTA, and the FSA/§21-credit synergy.

Direct IRA-to-charity at 70½ (not 73). $108k (2025) / $111k (2026) per-person cap, satisfies your RMD, excluded from AGI — with the standard-deduction taker's math and the IRMAA two-year lag.

Two clocks, not one. Runs your Roth IRA withdrawal through the §408A(d)(4) ordering — contribution basis (free), each conversion FIFO with its own 5-year clock, then earnings — with the exact tax + 10% penalty per layer.

Is your 401(k) or IRA withdrawal really penalized? Resolves the 10% vs 25% rate, filters all 23 Form 5329 exceptions down to the ones your account type can actually claim, and names the code to enter.

All four OBBB deductions in one

60-second quiz: which OBBB deductions apply to you

Up to $25,000 in tip income

No-tax-on-overtime, up to $12,500 ($25,000 joint)

Up to $10,000 auto-loan interest

OBBBA cutoffs for EV, solar & efficiency credits

$1,000 seed + $5K/yr cap; basis vs. taxable at withdrawal

OBBBA 0.5% floor, 35% cap, and non-itemizer cash deduction