Tax Calculators
Educational calculators for federal tax estimates, contribution planning, deductions, and tax-saving opportunity discovery.
TaxSaveIQ Calculator Center
Start with the Federal Tax Calculator
All 8 core calculators are live — federal income tax, capital gains, state tax, self-employment, LLC, Roth vs Traditional, W-2 vs 1099, and lifetime tax savings. The 12 Tax Savings Action Center tools are listed separately below, along with 51 per-state versions of the state calculator, 20 profession pages and 6 OBBBA deduction guides.
Core Calculators 8
Each card says what the calculator covers. The 51 per-state pages are the same state calculator applied to different state data, so they are not counted as separate calculators.
Federal Income Tax Calculator
Estimate 2026 federal income tax from wages or business income using the current brackets, standard deduction, QBI deduction, and the OBBBA tip, overtime, car-loan-interest, and senior deductions.
Scope: Federal income tax plus Social Security and Medicare; state and local tax are shown separately and are an estimate.
State Tax Estimate Calculator
Estimate state income tax for all 50 states and the District of Columbia, including flat and graduated rate structures, state standard deductions and exemptions, and the treatment of retirement income.
Scope: State income tax estimate for all 50 states and DC; local and city tax are optional where modelled.
Self-Employment Tax Calculator
Estimate 2026 self-employment tax on 1099 and business profit, including the 92.35% net-earnings adjustment, the Social Security wage base, Additional Medicare Tax, the deductible half of SE tax, and quarterly estimates.
Scope: Federal only — includes self-employment tax (Social Security and Medicare) and federal income tax.
Capital Gains Tax Calculator
Estimate 2026 tax on an investment sale: holding period, short-term versus long-term treatment, the 0%/15%/20% long-term rate thresholds, and the 3.8% Net Investment Income Tax.
Scope: Federal only — short-term and long-term capital gains tax, including the 3.8% net investment income tax.
W-2 vs 1099 Calculator
Compare a W-2 salary against 1099 contract income for 2026, including the employer-side payroll taxes a contractor absorbs, the QBI deduction, and the equivalent contract rate.
Scope: Federal only — compares employee FICA against contractor self-employment tax on the same income.
LLC / S-Corp Tax Calculator
Estimate 2026 tax for an LLC taxed as a sole proprietorship versus an S corporation election, including self-employment tax on profit, reasonable compensation, distributions, and the QBI deduction.
Scope: Federal only — self-employment tax, the section 199A deduction, and a sole-proprietor versus S-Corp comparison.
Roth vs Traditional Calculator
Compare Roth and traditional retirement contributions for 2026: the up-front deduction, tax-free versus taxable withdrawals, contribution limits, and the after-tax balance at retirement.
Scope: Federal income tax only — compares the tax effect of Roth and traditional contributions.
Lifetime Tax Savings Calculator
Project lifetime federal tax across retirement: withdrawal sequencing, Roth conversion windows, required minimum distributions, and the taxable share of Social Security benefits.
Scope: Federal income tax projected over a working career; not a state or investment-return projection.
Take action, not just estimates
Tax Savings Action Center
Free, privacy-first tools that turn tax rules into specific moves you can make — through payroll, before December 31, or by the filing deadline.
Dial in your federal withholding so you don't over- or under-pay. Get a suggested W-4 Step 3 and Step 4(c) amount.
Open tool →Answer 12 questions to get your Tax IQ score out of 100 and a ranked list of your top tax-saving moves.
Open tool →Estimate the Child Tax Credit, Credit for Other Dependents, child-care credit, EITC eligibility, and adoption credit.
Open tool →Compare the simplified ($5/sq ft) and actual-expense methods for your self-employed home office and see which is larger.
Open tool →2026 has two standard mileage rates — 72.5¢/mile before July 1 and 76¢/mile after. Enter miles for each period and compare with the actual-expense method.
Open tool →Estimate quarterly payments and check the safe-harbor rule so you avoid IRS underpayment penalties.
Open tool →Estimate your required minimum distribution using the IRS Uniform Lifetime Table. Age 73 under SECURE 2.0, with your factor and deadlines.
Open tool →See how harvested losses offset gains and $3,000 of ordinary income, estimate your tax savings and carryforward, and check the 30-day wash-sale rule.
Open tool →See the tax cost of a Roth conversion, your effective rate on the converted amount, and how much fits before the next bracket — with IRMAA/NIIT warnings.
Open tool →Answer a few questions and get a personalized, ranked list of tax moves to make before December 31 — each with its deadline and calculator.
Open tool →Answer a few questions and get your personalized list of IRS forms and schedules for 2026, each with its deadline and the calculator that fills it in.
Open tool →Estimate your 2026 federal refund or balance due from your income, withholding, and credits — before you file.
Open tool →🔒 No SSN, no bank login, no IRS login, no payroll password. Runs in your browser. Educational estimate only.
2026 OBBBA deduction calculators
6 guides and estimators for the new tip, overtime, senior, car-loan, SALT and charitable deductions. Federal only.
State tax calculators by state
51 per-state versions of the state calculator — the same calculation applied to each state's own rates. State estimate only; federal tax is on the federal calculator.
Take-home pay by state & salary
Estimated 2026 take-home pay for common salaries in each state. Includes federal income tax, payroll taxes and a state estimate.
Tax calculators by profession
20 profession pages with federal take-home and self-employment estimates. These reuse the core calculators rather than adding new ones.
Educational use only
TaxSaveIQ calculators provide simplified educational estimates and planning scenarios. They do not provide tax, legal, accounting, investment, or financial advice. Confirm all tax decisions with a qualified tax professional.