2026 federal taxes

Refund calculator

Answer what applies to you and skip the rest. Your estimate updates as you type—refund or amount owed.

About you

Nothing you enter here is saved.

Filing status

I'm 65 or olderI'm blind

Dependents

Children and relatives you support.

Children under 17

With a Social Security number. Child Tax Credit.

Other dependents

Kids 17+, college students, parents or relatives you support.

Qualifying children for Earned Income Credit

Under 19, or full-time student under 24, lived with you over half the year.

Wages

From your W-2s (and your spouse's if filing jointly).

Total W-2 wages (Box 1)

Federal tax withheld (Box 2)

Tips included in wages

Up to $25,000 may be deductible.

Overtime premium pay

Only the extra "half" of time-and-a-half.

Self-employment & 1099 income

Gig work, contract work, side business.

Net business profit (1099-NEC/K minus expenses)

Self-employed health insurance paid

Unemployment (1099-G)

Taxable retirement / pension (1099-R)

Social Security benefits (SSA-1099 Box 5)

Other income

Gambling, jury duty, prizes, alimony (pre-2019).

Federal tax withheld on 1099s / SSA-1099

Estimated tax payments made for 2026

Investments

From 1099-INT, 1099-DIV and 1099-B.

Taxable interest

Ordinary dividends (Box 1a)

Qualified dividends (Box 1b)

Long-term capital gain or loss

Short-term capital gain or loss

Adjustments

Reduce your income before deductions.

Traditional IRA contributions

HSA contributions (not through payroll)

Student loan interest (1098-E)

Teacher classroom expenses

Deductions

We automatically use the larger of itemized or standard.

Mortgage interest (1098)

Property taxes

State & local income tax paid

Charitable donations

Non-itemizers can deduct up to $1,000 ($2,000 joint).

Medical & dental expenses

Interest on new car loan

New vehicle assembled in the U.S., bought after 2024.

Credits

Childcare, college and anything else you know about.

Childcare / dependent care paid

Children in care (under 13)

College students in first 4 years

Their tuition, fees & books (1098-T)

Other tuition (grad school, job courses)

Other nonrefundable credits

Energy, adoption, etc., if known.

Uses 2026 federal brackets, standard deductions, capital gain rates, Earned Income Credit tables, the $2,200 Child Tax Credit, and the new senior, tips, overtime and car-loan deductions. Simplified: it doesn't handle every eligibility rule (Social Security numbers, residency, age limits for the Earned Income Credit), alternative minimum tax, Net Investment Income tax, additional Medicare tax, business income limits above high-income thresholds, premium tax credit, or state taxes. Your actual return may differ. 2026 IRS figures