Get a rough idea of your federal taxes. Enter what applies to you — skip what doesn't.
Your Situation
Income
Ordinary Income
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$
Self-Employment Income
Net profit from freelance, gig work, or a business you own. SE tax (15.3%) is calculated separately on top of income tax.
$
Capital Gains
Short-term gains (held ≤1 year) are taxed as ordinary income. Long-term gains (held >1 year) get lower rates.
$
$
Deductions & Credits
Standard vs. Itemized Deduction
Use Standard Deduction
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$
Children & Dependents
The Child Tax Credit reduces your tax — and may pay out as a refund even if your tax is $0.
Children under 17
$2,200 credit each (2025) · up to $1,700 refundable
0
Dependents age 17+
$500 credit each · non-refundable
0
Withholding & Estimated Payments
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Your Estimate
Tax Year 2025
Effective Rate
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Your overall tax rate on gross income. Total tax (income + SE) divided by total gross income. This is lower than your bracket rate because only the top slice of income is taxed at the highest rate — lower income is always taxed at lower rates first.
Marginal Rate
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Your top income tax bracket. If you earn one more dollar of ordinary income, this is the rate it gets taxed at. Useful to know when considering a raise, bonus, or side gig. Does not include SE tax if applicable.
Cap Gains Rate
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Your long-term capital gains rate. Long-term gains (investments held over 1 year) are taxed at 0%, 15%, or 20% — always lower than ordinary income rates. The rate depends on your total taxable income including the gains.
Taxable Income
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What tax is actually calculated on. Your total income minus the deduction. This is smaller than your gross income — the deduction shields a chunk from tax entirely.
Deduction Used
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Amount subtracted before tax is calculated. The standard deduction is a flat amount everyone qualifies for — no receipts needed. The higher this number, the lower your taxable income.
Tax per $1,000
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A gut-check number. For every $1,000 of gross income, roughly this much goes to combined federal taxes. Useful for quickly estimating the tax impact of a raise, bonus, or side income.
$0
Estimated refund
Tax Summary
Ordinary Income — Bracket by Bracket
The U.S. uses a progressive system — only income above each threshold is taxed at the higher rate. Your lower income is always taxed at lower rates first.
Federal income tax only — reflects current law under TCJA as permanently extended by the One Big Beautiful Bill Act (OBBBA, signed July 4, 2025), using IRS Rev. Proc. 2025-32 for 2026. Does not account for earned income credit, AMT, deduction phase-outs, state income taxes, net investment income tax (3.8%), or other factors. For actual filing, always work with a tax professional.