2026 Tax Calculator

Plan pay, investments, and savings. Stays on your device.

Annual unless monthly. Full-year residents, single/joint, under 50.

Employment income

Gross before benefits, not box 1; include RSU vesting.

Gross salary.
Gross bonus.
Retirement & health 401(k), IRA, HSA

Your contributions

Employee; $24,500 base limit.
Deduction computed separately.
Shares $7,500 IRA limit. Direct only.
§125 premiums.
Up to $340 per month.

Health savings account

Self-only limit $4,400; family $8,750.

Assumes full-year HSA, no employer contribution. Family attributed to your payroll. Direct does not reduce FICA.

Taxable investments Interest, dividends, realized gains

Taxable accounts only. Include reinvested distributions. Exclude IRA/401(k) and unrealized gains.

Bank, money-market and Treasury interest.
Direct Treasury interest exempt from state/local tax.
1099-DIV 1a; includes qualified dividends.
1099-DIV 1b; don't add to total dividends.
Held ≤1 yr. Include loss carryovers.
Held >1 yr; include gain distributions & carryovers.
Cash used, incl. dividends/withdrawals. 0 if reinvesting.

Gains = proceeds - basis, not total. Losses as negative; adjust wash sales.

Deductions Standard or itemized
Qualified public charities; no donor-advised funds.
Interest within mortgage-debt limits only.
Income/sales + property tax. Cap from income.
Deductible only over 7.5% AGI.

2026 standard deduction: $16,100 single / $32,200 jointly.

Household spending

Dependency, residency, SSN required.
Mortgage, gifts, medical here; deductions don't subtract cash.
Withholding & payments Optional refund / balance estimate

Full-year payments, household total. Federal withholding includes Additional Medicare; excludes Medicare & Social Security.

Exclude state disability/leave. Compares annual payments to liability; no penalties.

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