Free US federal tax calculators for 2025 and 2026

Clear calculators for the new federal deductions and the everyday numbers – each one built from IRS and SSA sources and explained step by step.

Figures last checked 21 Oct 2026

Federal income tax

2025 and 2026 brackets, the higher OBBB standard deduction and the new Schedule 1-A deductions in one estimate.

No tax on tips

Qualified tips deduction: up to $25,000, phased out over $150,000 MAGI ($300,000 joint).

No tax on overtime

Deduct the FLSA overtime premium: up to $12,500 ($25,000 joint), with total-pay ÷ 3 and ÷ 4 converters.

Senior deduction (65+)

The extra $6,000 per person for 2025–2028, reduced by 6% of MAGI over $75,000 ($150,000 joint).

Car loan interest

Up to $10,000 of interest on a new, US-assembled vehicle, with the $200-per-$1,000 phase-out.

Paycheck / take-home pay

Federal income tax estimate plus Social Security 6.2% to $184,500 and Medicare 1.45% (+0.9%).

Self-employment tax

15.3% on 92.35% of profit, the wage base, W-2 wages and the half-SE-tax deduction.

Why use these calculators?

  • Built from official sources. Every rate, cap and threshold comes from irs.gov, ssa.gov or the law on congress.gov, and each page links to the exact source.
  • The new rules, done properly. The tips, overtime, senior and car loan deductions follow the line-by-line method on IRS Schedule 1-A, including how each phase-out rounds.
  • Shows the working. You see each step, not just a final number.
  • Private. The maths runs in your browser. Nothing you type is sent to us or stored.
  • Tested. Formulas are checked against the 2025 IRS Tax Table, the Rev. Proc. rate tables, IRS examples and every phase-out edge.

What's new for 2025 and 2026

  • Standard deduction: $15,750 single / $31,500 joint / $23,625 head of household for 2025, rising to $16,100 / $32,200 / $24,150 for 2026.
  • No tax on tips: deduct up to $25,000 of qualified tips (2025–2028).
  • No tax on overtime: deduct up to $12,500 ($25,000 joint) of qualified overtime premium (2025–2028).
  • Seniors 65+: an extra $6,000 deduction per person (2025–2028).
  • Car loan interest: deduct up to $10,000 on a loan for a new, US-assembled vehicle (2025–2028).
  • Social Security wage base: $184,500 for 2026 (up from $176,100).

These tools give estimates only and are not tax advice. State and local taxes are not included. See our terms and disclaimer.