Free Tax Calculators · Updated April 2026
Free Tax Calculators for 2026
Browser-based, IRS-verified calculators covering 1099 and self-employment tax, W-4 withholding, filing status, itemize vs standard, OBBBA deductions, refund date, state refunds, and more. No account required. No data stored.
What You'll Find Here
This hub lists all National Tax Tools calculators: interactive, browser-based tools for estimating 1099 tax liability, quarterly estimated payments, LLC vs S-Corp savings, and underpayment penalties. All calculators use 2026 IRS tax rates and run entirely in your browser. Nothing you enter is stored or transmitted. Three calculators and one guide are live now; additional tools are in development.
Key Takeaways
- All calculations use official IRS publications and 2026 tax rates — updated whenever the IRS releases new guidance.
- Calculators run entirely in your browser. No account, login, or data submission required.
- Self-employed workers owe 15.3% self-employment tax on 92.35% of net earnings, plus federal income tax.
- Quarterly estimated taxes are due April 15, June 15, September 15, and January 15, 2027.
- Most 1099 workers should set aside 25–35% of net earnings to cover combined federal tax obligations.
Available Calculators
Live · FICA Comparison · 2025
W-2 vs 1099 Tax Calculator
Compare federal tax burden for W-2 employees vs 1099 contractors at the same gross income. See Social Security, Medicare, and income tax side by side using 2025 IRS rates.
Open calculator →Live · Estimated Tax · 2025
Quarterly Tax Calculator
Calculate your quarterly estimated tax payments for 2025. See per-quarter amounts, safe harbor thresholds, and payment due dates for Form 1040-ES. Covers self-employed individuals and 1099 contractors.
Open calculator →Live · Schedule SE · 2025
Self Employment Tax Calculator
Calculate your 2025 Schedule SE tax. See the Social Security and Medicare breakdown, the 92.35% adjustment, your deductible half, and the per-quarter SE tax payment estimate.
Open calculator →Live · 1099 Tax
1099 Tax Calculator
Instantly estimate your full federal tax liability on 1099 income — including self-employment tax, income tax by bracket, effective rate, and suggested quarterly payment. Covers all 2026 income brackets.
Open calculator →Live · SE Tax Guide
Self-Employment Tax Guide
Step-by-step guide to calculating self-employment tax, the 92.35% rule, the SE deduction, quarterly payment schedules, and strategies to legally reduce your bill. IRS-verified for Tax Year 2026.
Read guide →Live · Tax Strategy
LLC vs S-Corp Tax Comparison
Compare the federal tax implications of operating as a single-member LLC versus electing S-Corp status. Estimate potential self-employment tax savings from an S-Corp election based on your net profit level.
Open calculator →Live · S-Corp · Reasonable Salary · 2026
S-Corp Tax Savings Calculator
Estimate your annual FICA savings from an S-Corp election. Enter your net profit and reasonable salary to see the employer and employee FICA breakdown, Medicare surcharge, net savings, and the point where S-Corp stops making sense. Uses the 2026 Social Security wage base of $184,500.
Open calculator →Live · Supplemental Wages · Pub 15 §7 · 2026
Bonus Tax Calculator
Estimate federal withholding on a bonus under IRS supplemental wage rules. Compares the 22 percent flat rate to the aggregate method, applies Social Security (6.2% to $184,500 wage base), Medicare (1.45%), and the 0.9% Additional Medicare Tax, and returns net take-home. Withholding is not the same as final tax.
Open calculator →Live · Family · CDCTC + DCFSA + CTC · 2026
Child Care Tax Benefit Calculator
Estimate your combined federal childcare tax savings across three vehicles: the Child and Dependent Care Credit (up to 50 percent under OBBBA), the new $7,500 Dependent Care FSA, and the $2,200 Child Tax Credit. Applies the IRC §21(c) no-double-dip rule and the 50/35/20 percent AGI tier structure automatically.
Open calculator →Live · IRS Resolution · 20+ Notice Types · Free Help
IRS Notice Response Helper
Look up your IRS notice by CP or LTR number. Get the plain-language meaning, your response deadline, agree/disagree action steps, and direct links to free help (Taxpayer Advocate Service, Low Income Taxpayer Clinics, VITA). Covers CP2000, CP14, CP501-504, LT11, CP05, CP12, CP49, CP75, identity verification letters, and more.
Open lookup tool →Live · Equity Compensation · IRC §83(a) · 2026
RSU Tax Calculator
Estimate the federal tax on a restricted stock unit vesting event. Computes ordinary-income inclusion at vest FMV, federal supplemental withholding (22% flat, 37% above $1M), Social Security and Medicare, the sell-to-cover share count, and the under-withholding shortfall when your marginal bracket exceeds 22 percent. The standard surprise for senior tech and finance employees with concentrated equity comp.
Open calculator →Live · IRS 3-Factor Test · §183 9-Factor Test · 2026
Gig Worker Classification + Tax Tool
Free decision tool that walks the IRS three-factor common-law test (Behavioral, Financial, Relationship) for worker classification, the nine-factor §1.183-2(b) profit motive test for hobby vs business, and a self-employment tax estimator including the $400 trigger, the 92.35 percent adjustment, and the 2026 Social Security wage base of $184,500.
Open decision tool →Live · Schedule E · IRC §469 · 2026
Rental Income Tax Calculator
Estimate the federal tax on residential rental income for 2026. Computes Schedule E net income or loss, MACRS 27.5-year depreciation, the §280A 14-day Augusta Rule, the $25,000 active-participation passive loss allowance under §469(i), and Net Investment Income Tax exposure for high-MAGI landlords.
Open calculator →Live · Retirement · IRS Notice 2025-67 · 2026
401(k) Contribution Calculator 2026
Estimate your 2026 401(k) elective deferral, age-based catch-up, employer match, and total annual additions. Models the $24,500 base limit, the $8,000 catch-up at age 50, the $11,250 SECURE 2.0 super catch-up at ages 60 to 63, the $72,000 annual additions cap, the $360,000 compensation cap, the HCE flag, and federal income tax savings on traditional pre-tax contributions.
Open calculator →Live · Retirement · IRS Notice 2025-67 · 2026
Roth IRA Contribution Calculator 2026
Estimate your 2026 Roth IRA contribution limit by filing status, age, and MAGI. Models the $7,500 base contribution, the $1,100 age-50 catch-up, the Single/HOH MAGI phase-out from $153,000 to $168,000, the MFJ phase-out from $242,000 to $252,000, the MFS-Together $0 to $10,000 phase-out, the spousal IRA rule, and a backdoor Roth flag when MAGI exceeds the upper threshold.
Open calculator →Live · Penalties
Underpayment Penalty Estimator
Estimate your IRS underpayment penalty for missed or insufficient quarterly estimated tax payments. Covers Form 2210 calculations for all four quarterly periods using the 2026 federal short-term interest rate.
Open calculator →Live · Refund
IRS Refund Date Estimator
Estimate your IRS federal refund arrival date based on filing method, acceptance date, return type, and refund delivery method. Covers e-file, paper, PATH Act, and amended returns. Based on official IRS processing windows.
Open calculator →Hub · Payroll
Payroll Calculators and Tools
Entry point for the payroll vertical. Paycheck calculator, payroll tax calculator, take-home pay estimator, state payroll hubs, and payroll guides. IRS-verified for Tax Year 2026.
View payroll tools →Live · OBBBA · Overtime Deduction
No Tax on Overtime Calculator
Estimate your federal income tax savings from the OBBBA overtime deduction (IRC § 225). Enter your regular rate and OT hours. Includes $12,500 cap and phase-out. Employee-only. TY 2025 and 2026.
Open calculator →Live · OBBBA · Auto Loan Interest
Auto Loan Interest Deduction Calculator
Estimate your federal income tax savings from the OBBBA auto loan interest deduction (IRC § 227). New U.S.-assembled vehicles only. $10,000 cap. Phase-out above $100,000 MAGI. TY 2025–2028.
Open calculator →Live · OBBBA · SALT Cap Increase
SALT Deduction Calculator
Calculate your incremental federal tax savings from the OBBBA SALT cap increase. Cap rose from $10,000 to $40,000 for TY 2025–2029. Phase-out above $500,000 MAGI. Must itemize on Schedule A.
Open calculator →Live · OBBBA · Children’s Savings
Trump Account Calculator
Project how much a Trump Account (MAGA Account) could be worth when your child turns 18. Includes the $1,000 federal seed for children born after December 31, 2024. Annual contribution up to $5,000. U.S. index funds only.
Open calculator →Live · OBBBA · CTC · Refundable Credit
Child Tax Credit Calculator (2025)
Estimate your Child Tax Credit under the OBBBA. The CTC increased to $2,500 per qualifying child for TY 2025–2028. Calculates phase-out reduction and refundable ACTC. PATH Act hold applies to ACTC filers.
Open calculator →Live · OBBBA · Senior Deduction · Age 65+
Standard Deduction for Seniors Calculator (2025)
Estimate the total standard deduction for taxpayers age 65 or older. Combines the base standard deduction, §63(f) age and blindness add-ons, and the new $6,000 OBBBA enhanced deduction with phase-out for TY 2025–2028.
Open calculator →Live · Tax Debt · Installment Agreement
IRS Payment Plan Calculator
Estimate your IRS installment agreement monthly payment, setup fee, and total interest cost. Compare short-term (180-day, no fee) vs long-term (72-month) plans before applying online at IRS.gov.
Open calculator →Live · Income Tax · 1099-G
Unemployment Tax Calculator
Estimate the federal income tax on your unemployment compensation. Enter your 1099-G Box 1 amount, filing status, and other income. See effective tax rate, withholding gap, and underpayment risk for TY 2025.
Open calculator →Live · Income Tax · IRC §117
Scholarship Tax Calculator
Find out if your scholarship or fellowship grant is taxable. Enter your award amount, qualified tuition paid, and any stipend for services. The calculator applies IRC §117 to separate your tax-free and taxable amounts and estimates your federal tax for TY 2025.
Open calculator →Live · Education Credits · IRC §25A · Form 8863
Student Tax Calculator 2025
Estimate your American Opportunity Credit (up to $2,500) or Lifetime Learning Credit (up to $2,000) for 2025. Compare both credits side by side, check whether a scholarship reduces your credit, and verify dependent status in one tool. Covers income phase-out and refundability rules.
Open calculator →Live · Filing Requirement · IRS Pub 501
Do I Need to File Taxes? Calculator
Find out in under 60 seconds whether you are required to file a 2025 federal tax return. Enter your filing status, age, gross income, and self-employment earnings. Covers all standard thresholds, blind add-ons, dependent rules, and special triggers like HSA distributions and marketplace insurance.
Open calculator →Live · Refundable Credit · IRC § 32
EITC Eligibility Calculator
Check whether you qualify for the 2025 Earned Income Tax Credit and estimate your credit amount. Covers all filing statuses, 0 to 3+ qualifying children, and handles the phase-in/plateau/phase-out in one step. Investment income limit and PATH Act refund hold included.
Open calculator →Live · MFJ vs MFS · IRC §§ 1, 2, 7703
Filing Status Calculator 2025
Two tools in one: find your correct 2025 filing status via decision tree, then compare married filing jointly vs separately side by side using your actual income and 2025 tax brackets. Covers all five filing statuses, the "considered unmarried" HOH rule, and credits lost by filing separately.
Open calculator →Live · IRC §86 · Provisional Income · OBBBA
Social Security Tax Calculator 2025
Find out how much of your Social Security benefits are taxable using the IRC Section 86 provisional income formula. Covers all filing statuses, the 0%/50%/85% taxability tiers, OBBBA $6,000 senior deduction impact, and the tax torpedo effect. Includes state SS tax reference.
Open calculator →Live · IRC §3402 · TY 2026 · OBBBA
W-4 Withholding Calculator 2026
Project your annual federal tax from your pay stub, compare to your projected withholding, and find your gap. Covers all five filing statuses, 2026 tax brackets, OBBBA deductions for tips, overtime, and seniors, and the Child Tax Credit. See if you will owe or get a refund before April.
Open calculator →Live · Schedule A · OBBBA SALT
Standard Deduction vs. Itemized Deductions Calculator
Compare your 2025 Schedule A itemized deductions against the standard deduction for your filing status. Covers SALT (OBBBA $40K cap with phase-out), mortgage interest, charitable contributions, and the 7.5% medical expense floor. Instant recommendation with dollar difference.
Open calculator →Live · OBBBA · Tip Deduction
No Tax on Tips Calculator
Estimate your federal income tax savings from the OBBBA qualified tip income deduction (IRC § 224). Includes phase-out for MAGI over $150,000. Tax Years 2025 and 2026.
Open calculator →Live · 1099 Pricing · Break-Even Rate
1099 Contractor Rate Calculator
Calculate the hourly rate you need to charge as a 1099 contractor to match a W-2 salary. Accounts for self-employment tax, health insurance, non-billable days, and overhead using 2025 IRS rates.
Open calculator →Live · Retirement · Self-Employed
SEP IRA vs Solo 401(k) Calculator
Compare maximum SEP IRA and Solo 401(k) contributions side by side for 2025. Enter your net Schedule C income to see which plan allows you to shelter more income and estimate federal tax savings.
Open calculator →Live · Refund · Treasury Offset Program
Tax Refund Offset Calculator
See how much of your federal refund may be withheld for government debts. Enter your expected refund and any past-due taxes, child support, student loans, or state debts to get the offset breakdown in priority order.
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Frequently Asked Questions
Questions About Your Tax Situation?
LMN Tax Inc handles tax preparation, quarterly tax planning, bookkeeping, and payroll for self-employed workers and small businesses. Reach out through our contact page to get started.