Free tax calculators
for 2026.

Estimate your 2026 federal income tax, effective tax rate and refund or balance due. Includes the 2026 standard deduction, the new senior deduction, the tips and overtime deductions, and the Child Tax Credit.

How this works: Uses Rev. Proc. 2025-32 tax brackets and standard deductions, IRC 151(d)(5)(C) senior deduction, IRC 224 and 225 tips and overtime deductions, and IRC 24 Child Tax Credit. Does not include capital gains rates, AMT, self-employment tax, or other credits.

Find out if itemizing beats the 2026 standard deduction. Applies the new $40,400 SALT cap and its phase-down, the 7.5% medical floor, and the new 0.5% floor on charitable gifts.

How this works: SALT cap per IRC 164(b)(6) as amended; charitable 0.5% floor per IRC 170(b)(1)(I); medical floor per IRC 213. The limit on itemized deductions for the 37% bracket is not included.

Estimate your 2026 Child Tax Credit of up to $2,200 per child, the refundable portion of up to $1,700 per child, and the $500 credit for other dependents.

How this works: IRC 24 as amended by P.L. 119-21. Phase-out: $50 for each $1,000 of MAGI over $400,000 (joint) or $200,000 (all others).

Estimate the new federal deduction for qualified tips (up to $25,000) and qualified overtime pay (up to $12,500, or $25,000 joint) for 2025 through 2028, and the tax it can save you.

How this works: IRC 224 and 225. Phase-out: $100 for each $1,000 of MAGI over $150,000 ($300,000 joint). A valid SSN is required, and married couples must file jointly. Tips must be from an occupation on the IRS list of tipped occupations.

Calculate your 2026 self-employment tax (Social Security and Medicare) on freelance, 1099 or small business profit, and the deduction for half of it.

How this works: IRC 1401 and 1402. 2026 Social Security wage base $184,500 (SSA). Additional Medicare Tax of 0.9% applies above $200,000 (single and head of household), $250,000 (joint) or $125,000 (separate).

Find the smallest estimated tax payments that avoid the IRS underpayment penalty in 2026, using the 90% current-year and 100% or 110% prior-year safe harbors.

How this works: IRC 6654. Due dates: April 15, 2026; June 15, 2026; September 15, 2026; January 15, 2027.

Calculate your 2026 mileage deduction. The IRS raised the business rate from 72.5 cents to 76 cents a mile on July 1, 2026, so this calculator splits your miles by date.

How this works: IRS Notice 2026-10 and Announcement 2026-11. Business: 72.5 cents (Jan to Jun), 76 cents (Jul to Dec). Medical and military moving: 20.5 cents, then 23.5 cents. Charity: 14 cents. Keep a mileage log.

Compare the simplified home office deduction ($5 a square foot, up to 300 square feet) with the regular method based on your actual home expenses.

How this works: Rev. Proc. 2013-13 and IRC 280A. The office must be used regularly and only for business. The regular method here does not include depreciation or the gross income limit.

Estimate your 2026 Section 199A deduction of up to 20% of qualified business income, with the 2026 income thresholds, the wage limit, the service-business (SSTB) rules and the new $400 minimum.

How this works: IRC 199A and Rev. Proc. 2025-32. Thresholds: $201,750 ($403,500 joint; $201,775 separate). Phase-in range: $75,000 ($150,000 joint).

Compare self-employment tax as a sole proprietor or single-member LLC with payroll tax on a reasonable salary as an S corporation.

How this works: The IRS requires reasonable compensation for S corporation owners who work in the business. This estimate compares employment taxes only. It does not include income tax, QBI, state tax or benefit effects.

Answer five questions to see if your Medicaid waiver payments may be excluded from income under IRS Notice 2014-7, and estimate the tax you may save.

How this works: IRS Notice 2014-7 and IRC 131. Limit: 10 people under 19, or 5 people age 19 or older. You can choose to count these payments as earned income for the Earned Income Credit and the refundable Child Tax Credit (Feigh v. Commissioner, IRS AOD 2020-02).

Find the last day to claim a tax refund for a prior year, including amended returns to exclude Medicaid waiver payments. The IRS keeps refunds that are not claimed in time.

How this works: IRC 6511 and 7503. You must claim a refund within 3 years from the date you filed, or 2 years from the date you paid the tax, whichever is later. A return filed early counts as filed on the due date. Disaster postponements can extend these dates.

Find how much you can put into a 401(k), 403(b), SEP-IRA, Solo 401(k), SIMPLE IRA or IRA in 2026, with the age 50 and age 60 to 63 catch-up contributions.

How this works: IRS Notice 2025-67. 2026 limits: 401(k) $24,500; catch-up $8,000 (age 50+) or $11,250 (ages 60 to 63); IRA $7,500 plus $1,100 catch-up; SEP and total additions $72,000; SIMPLE $17,000. IRA deduction and Roth income limits are not included.

Estimate the failure-to-file penalty, the failure-to-pay penalty and interest on a late federal return, including the minimum penalty for returns more than 60 days late.

How this works: IRC 6651 and 6601. Failure to file: 5% a month, up to 25%. Failure to pay: 0.5% a month, up to 25%. Minimum penalty for returns more than 60 days late: the smaller of $525 (returns due in 2026) or the tax due. Interest uses 7% a year compounded daily; the IRS changes this rate each quarter.

Federal due dates for individuals and small businesses. When a date falls on a weekend or legal holiday, the deadline moves to the next business day; the dates below already include that.