Calculate federal income tax for an individual taxpayer. Supports TY2024 through TY2026. Includes bracket breakdown, effective/marginal rates, SE tax, NIIT, Additional Medicare Tax, QBI deduction, capital gains, and child tax credit. All calculations run locally — no data is sent to any server.
ParametersblindtaxYearrequiredw2IncomedependentsgrossIncomerequiredhasForm2555spouseBlindage65OrOldercapitalGainsearnedIncomefilingStatusrequiredqualifiedTips+38 more
Get federal income tax brackets and standard deduction for a given tax year and filing status.
ParameterstaxYearrequiredfilingStatusrequired
Compare tax liability across different filing statuses for the same income. Helps determine the most advantageous filing status.
ParameterstaxYearrequireddependentsgrossIncomerequireditemizedDeductions
Calculate estimated quarterly tax payments (Form 1040-ES) for self-employed or other taxpayers who need to make estimated payments.
ParameterstaxYearrequiredfilingStatusrequiredotherCreditsw2WithholdingexpectedAnnualIncomerequiredselfEmploymentIncome
Calculate combined federal + state tax for a complete picture of total tax liability. Returns federal breakdown, state tax, and combined totals in one call.
ParameterstaxYearrequiredw2IncomestateCoderequireddependentsgrossIncomerequiredhasForm2555capitalGainsearnedIncomefilingStatusrequiredtaxExemptInterestearnedIncomeCredititemizedDeductions+23 more
Calculate recommended W-4 withholding settings. Estimates per-paycheck federal tax and provides step-by-step W-4 form recommendations.
ParameterstaxYearrequireddeductionsdependentsotherIncomespouseWorksannualSalaryrequiredfilingStatusrequiredmultipleJobspayFrequencyrequired
List available tax deductions with eligibility rules and limits. Covers both above-the-line and itemized deductions.
Parameterscategory
Compare standard deduction vs itemized deductions to determine which is more beneficial.
ParametersagirequiredblindtaxYearrequiredage65OrOlderfilingStatusrequiredotherItemizedmedicalExpensesstateLocalTaxesmortgageInterestcharitableDonationsnonItemizerCashDonations
Get important IRS tax deadlines and due dates for a given tax year.
ParameterstaxYear
Provide instructions on how to check IRS refund status. This tool does NOT access your IRS account — it provides the official links and requirements.
ParametersfiledElectronically
Get information about common IRS tax forms — what they are, who needs them, and where to find them.
ParametersformNumberrequired
List available federal tax credits with eligibility, amounts, and phase-out rules. Covers family, education, energy, retirement, healthcare, and income-based credits.
ParameterscategoryrefundableOnly
Check which tax credits you may be eligible for based on your situation.
ParametersagirequiredtaxYearboughtEVisStudenthasChildrennumChildrenfilingStatusrequiredhasChildcareinstalledSolarpaidForeignTaxhasEarnedIncomehasStudentLoans+3 more
Get details on retirement account types — contribution limits, tax treatment, income limits, and tips.
ParametersaccountType
Get detailed info on tax-advantaged retirement strategies like Backdoor Roth, Mega Backdoor Roth, Roth Conversion Ladder, Tax Loss/Gain Harvesting.
ParametersstrategyId
estimate_premium_tax_credit
Estimate the TY2026 Premium Tax Credit (Form 8962) from annual Form 1095-A totals. Uses the Rev. Proc. 2025-25 applicable percentages, the 400% poverty-line limit, and full repayment of excess advance payments.
ParametersmonthlytaxYearrequiredfamilySizerequiredfilingStatusrequiredadvancePaymentsrequiredhouseholdIncomerequiredpovertyLineRegionannualBenchmarkPremiumrequiredannualEnrollmentPremiumrequiredmarriedFilingSeparatelyException2marketplaceEstimatedAtLeast100Percent
Calculate the exact Earned Income Tax Credit (EITC) amount. The EITC is one of the largest refundable credits for low-to-moderate income workers.
ParametersagirequiredtaxYearrequiredearnedIncomerequiredfilingStatusrequiredinvestmentIncomequalifyingChildrenrequired
Get state income tax information — rates, brackets, and key details for any US state.
ParametersstateCoderequired
Estimate state income tax using an explicit tax-year calculation profile. Unsupported state-year paths fail closed.
ParameterstaxYearrequiredstateCoderequiredfilingStatustaxableIncomefederalTaxableIncomeincomeBeforeStateDeductions
Compare state income tax for one tax year only when every requested state has an explicit calculation profile.
ParametersstatesrequiredtaxYearrequiredfilingStatustaxableIncomefederalTaxableIncomeincomeBeforeStateDeductions
list_no_income_tax_states
List all US states with no state income tax.
Takes no parameters.
Get personalized year-end tax optimization strategies based on your income, deductions, and situation. Suggests actions to reduce tax liability before year-end.
ParametershasHSAtaxYearrequiredhasMortgagefilingStatusrequiredisSelfEmployedestimatedIncomerequiredhasCapitalGainscharitableGivinghasCapitalLosseshasRetirementPlancurrentWithholdingestimatedCapitalGains+3 more
Compare tax liability across different tax years for the same income. Shows how bracket changes and inflation adjustments affect your tax.
ParametersdependentsgrossIncomerequiredfilingStatusrequiredselfEmploymentIncome
estimate_self_employment_tax
Detailed self-employment tax breakdown including Schedule C profit, SE tax, QBI deduction, and recommended quarterly payments. Above the annual QBI threshold, provide SSTB classification, W-2 wages, and qualified-property basis, using 0 where none apply.
ParameterstaxYearrequireddependentsfilingStatusrequiredgrossRevenuerequiredotherW2IncomebusinessExpensesrequiredhealthInsurancePremiumsqualifiedBusinessIsSstbretirementContributionsqualifiedBusinessW2WagesqualifiedBusinessPropertyBasis
analyze_mortgage_tax_benefit
Analyze the tax benefit of mortgage interest deduction and property taxes. Compares itemizing with mortgage vs taking the standard deduction.
ParameterstaxYearrequiredgrossIncomerequiredfilingStatusrequiredinterestRateotherItemizedpropertyTaxesrequiredmortgageBalancemortgageInterestrequiredstateIncomeTaxes
analyze_education_tax_benefits
Compare education tax benefits: AOTC vs Lifetime Learning Credit, student loan interest deduction, and 529 plan advantages.
ParametersagirequiredtaxYearhas529PlanisUndergradrequiredtuitionPaidrequiredfilingStatusrequiredcontribution529yearsAOTCClaimedstudentLoanInterest
Compare Married Filing Jointly (MFJ) vs Married Filing Separately (MFS). Shows tax difference and lists all MFS restrictions that may affect your situation.
ParametershasEITCtaxYearrequireddependentsspouse1Incomerequiredspouse2IncomerequireditemizedDeductionshasEducationCreditshasIRAContributionsstudentLoanInterest
calculate_obbb_deductions
Calculate all OBBB (One Big Beautiful Bill) new deductions for TY2025+: tips income deduction, overtime pay deduction, senior bonus deduction, and auto loan interest deduction. Shows which deductions you qualify for and the total tax savings.
ParametersageagirequiredtaxYearrequiredspouseAgetipIncomeovertimePayfilingStatusrequiredmarginalRateautoLoanInterest
what_changed_between_tax_years
Show all differences between two tax years — bracket changes, deduction limits, credit amounts, SALT cap, CTC, and new OBBB provisions. Great for understanding how tax law changes affect you.
ParameterstoYearrequiredfromYearrequiredfilingStatus
Generate a detailed tax estimate combining federal tax, supported state tax, FICA, modeled credits, deductions, take-home pay, and refund inputs.
ParameterstaxYearrequiredw2IncomestateCodedependentshasForm2555otherIncomeage65OrOlderfilingStatusrequiredotherItemizedqualifiedTipsstateWithhelddividendIncome+38 more
Process multiple 1099 forms and calculate the tax impact of each income type. Handles 1099-NEC (freelance), 1099-INT (interest), 1099-DIV (dividends), 1099-B (investments), 1099-MISC.
ParametersformsrequiredtaxYearrequiredw2IncomefilingStatusrequiredqualifiedBusinessIsSstbqualifiedBusinessW2WageslongTermCapitalLossCarryovershortTermCapitalLossCarryoverqualifiedBusinessPropertyBasis
get_personalized_tax_calendar
Generate a personalized tax calendar based on your situation. Shows deadlines for filing, estimated payments, extensions, and key actions.
ParameterstaxYearrequiredhasEmployerfiledExtensionhasInvestmentsisSelfEmployedhasRentalIncome
Analyze a paycheck to verify withholding accuracy. Input your pay stub numbers and see if your employer is withholding the right amount.
ParameterstaxYearrequiredgrossPayrequiredstateCodeage65OrOlderfilingStatusrequiredpayFrequencyrequiredstateWithheldretirement401kfederalWithheldrequiredhsaContributionmedicareWithheldspouseAge65OrOlder+5 more
What-if tax scenario simulator. Compare your current situation against a hypothetical change: income change, relocation, Roth conversion, filing status change, etc. Shows the exact tax impact of the change.
ParameterstaxYearrequiredage65OrOldercurrentStatefilingStatusrequiredcurrentIncomerequiredqualifiedTipswhatIfNewStatecurrentDependentsspouseAge65OrOlderwhatIfFilingStatuswhatIfIncomeChangecurrentCapitalGains+13 more
Evaluate your IRS audit risk based on your tax return profile. Identifies red flags, scores your risk level, and provides tips to reduce audit exposure.
ParameterseitcClaimedgrossIncomerequiredlargeRefundcashBusinessfilingStatusrequiredrentalLossesroundNumbersbusinessMealsforeignAccountsvehicleDeductioncharitableNonCashcryptoTransactions+3 more
get_tax_document_checklist
Generate a personalized checklist of tax documents you need to gather for filing. Based on your income sources, deductions, and life events.
ParametershasW2hasHSAhadBabytaxYearboughtEVsoldHomegotMarriedgotDivorcedhasChildrenhasMortgagehasChildcarehasInvestments+9 more
Analyze investment lots and suggest which to sell to minimize tax. Considers long-term vs short-term, 0% bracket space, loss harvesting, and wash sale rules.
ParameterslotsrequiredtaxYearrequiredfilingStatusrequiredordinaryIncomerequiredtargetGainOrLoss
plan_retirement_withdrawals
Plan tax-efficient retirement withdrawals. Determines optimal order to draw from Traditional IRA, Roth IRA, and taxable accounts to minimize lifetime tax.
ParametersagerequiredtaxYearrequiredrothBalancerequiredfilingStatusrequiredpensionIncomeannualSpendingrequiredtaxableBalancerequiredtraditionalBalancerequiredsocialSecurityIncomerothConversionInterest
Create a 3-5 year tax projection and strategy. Models income changes, Roth conversions, retirement contributions, and bracket management across multiple years.
ParametersyearsrequiredcurrentAgerequiredfilingStatusrequired
In-depth relocation tax analysis using exact-year state profiles. Additional projection years require explicit annual federal and state data.
ParameterstaxYearrequiredtoStaterequiredfromStaterequireddependentsgrossIncomerequiredcapitalGainsfilingStatusrequiredyearsToProjectincomeGrowthRateselfEmploymentIncome
One-click tax health check. Analyzes your full financial picture and outputs a report with actionable findings: missed credits, withholding accuracy, deduction optimization, audit risk, retirement savings gaps, and year-end planning tips.
ParametersagetaxYearrequiredboughtEVw2IncomeisStudentstateCodedependentsgrossIncomerequiredcapitalGainsfilingStatusrequiredretirementIRAinstalledSolar+8 more
Look up IRS tax rules, definitions, and common questions. Covers filing rules, income types, deduction rules, credit eligibility, stock options, wash sales, and more.
Parameterstopicrequired
Step-by-step guide for filling out a specific IRS form or schedule. Explains each section, what data you need, and common mistakes to avoid.
ParametersformNumberrequired
Generate a pre-filled GitHub Issue URL for reporting calculation errors or data issues. No data is sent. The user clicks the link to submit. Use this after verifying the user's inputs.
ParametersactualtaxYearexpectedtoolNamerequireddescriptionrequired
Generate a deterministic, privacy-first local tax plan with structured results, assumptions, source provenance, calculation trace, and explicit unsupported boundaries.
ParametersfamilyincomerequiredtaxYearrequiredbusinesspaymentseducationstateCodedeductionsfilingStatusrequired