Stop calculating your taxes. Start shrinking them.
Most people find out what they owe. TaxSaveIQ shows you what you could have saved — this year, at every life event, and across your lifetime.
Free · no account · calculator inputs stay in your browser
Save this year
Deductions, credits, and moves to make before deadlines pass.
Cut my 2026 bill →Save at life events
Marriage, new baby, home, job change, layoff — each has a tax playbook.
Find my event →Save for life
Roth conversions, bracket management, retirement withdrawal order.
Lower my lifetime tax →20 free calculators & toolsAll 50 states + DCUpdated for 2026 lawInputs stay in your browserReviewed by Deepak Middha, CA
Free 2026 tax calculators
Free 2026 tax calculators: how much will you pay — and how much can you save?
Every calculator runs instantly in your browser. No email and no sign-up. No account is required. Calculator inputs are processed locally in your browser and are not transmitted to or stored by TaxSaveIQ.
Federal Income Tax Calculator 2026
New OBBBA deductions + 2026 brackets for every filing status
Know your real 2026 bill before you file — and catch any of the 6 new OBBBA deductions you're entitled to but not claiming.
People search: “how much federal tax will I pay on $85,000 in 2026”
Take-Home Pay & State Tax Calculator (All 50 States + DC)
SALT limit now $40,400 — see your state's 2026 brackets
Same salary, very different paycheck — moving between a no-income-tax state and a high-tax state can change take-home pay by five figures a year.
People search: “how much is $100,000 after taxes in my state”
Self-Employment Tax Calculator 2026 (1099 & Freelancers)
15.3% SE tax, QBI 20% deduction, quarterly estimates
1099 income pays 15.3% self-employment tax ON TOP of income tax. The QBI 20% deduction and correct quarterly payments claw much of it back — if you plan ahead.
People search: “how much tax do I owe on $60,000 of 1099 income”
W-2 vs 1099 Take-Home Pay Comparison Calculator
See the hidden FICA cost and the hourly rate you need as a contractor
A 1099 offer must pay meaningfully more than a W-2 salary to break even — you cover both halves of FICA and lose the benefits. See the exact hourly rate where the contract wins.
People search: “is $50 an hour 1099 better than $80,000 salary W-2”
Capital Gains Tax Calculator 2026
Short vs long-term rates + the 3.8% NIIT surcharge
Selling one day too early can turn a 15% long-term gain into ordinary income taxed up to 37% — check your holding period and the 3.8% NIIT before you sell.
People search: “how much tax will I pay if I sell stock in 2026”
Roth vs Traditional IRA Calculator 2026
Break-even modeling + backdoor Roth check at the $153k–$168k phase-out
Pay tax now or pay tax later is a 30-year, five-figure decision. Model it with real 2026 phase-outs instead of guessing.
People search: “should I contribute to Roth or traditional IRA in 2026”
Lifetime Tax Savings Calculator
Project taxes to retirement: Roth conversions, RMDs, Social Security taxation
The biggest tax savings don't come from any single April. They come from timing Roth conversions, RMDs, and Social Security across decades — this models all of it, year by year.
People search: “how do I pay less tax in retirement”
Start where you fit
Which taxpayer are you?
Life events
Big life change? Your taxes just changed too.
Marriage, a new baby, a job change, a home, retirement — every one of these rewrites your tax situation the same year it happens.
Got married
Filing jointly vs separately changes your brackets, credits, and the 2026 SALT deduction limit.
People search: “do we pay less tax if we get married”
See what changes →New baby
The Child Tax Credit is $2,200 per child in 2026 — plus dependent-care credits and a new filing status if you're a single parent.
People search: “how much do you get back in taxes for a baby 2026”
See what changes →Changed jobs or laid off
Severance, 401(k) rollovers, and a mid-year W-4 reset — get these wrong and April hurts.
People search: “do I pay tax on severance pay”
See what changes →Bought a home
Mortgage interest, property taxes, and the $40,400 SALT deduction limit decide whether itemizing finally beats the standard deduction.
People search: “is it worth itemizing after buying a house”
See what changes →Started a business or side hustle
Quarterly estimated taxes, the QBI deduction, and home-office write-offs start the day you earn your first 1099 dollar.
People search: “what taxes do I pay on a side hustle”
See what changes →Retiring soon
RMDs at 73 or 75 depending on your birth year, taxed Social Security, and IRMAA Medicare surcharges — the order you withdraw money changes what you keep.
People search: “how is retirement income taxed”
See what changes →Take action, not just estimates
Tax Savings Action Center
12 free, privacy-first toolsthat turn 2026 tax rules into specific moves — grouped by when they're due.
Fix these anytime — they pay off every paycheck.
W-4 Paycheck Withholding Optimizer
W-2 · Through payrollSet Step 3 and Step 4(c) right so you stop giving the IRS an interest-free loan — or getting a surprise bill.
Open free calculator →Hard deadline. After New Year's Eve these savings are gone for 2026.
Tax Savings Action Plan & Tax IQ Score
Everyone · Start hereAnswer 12 questions to get your Tax IQ score out of 100 and a ranked list of your biggest tax-saving moves.
Open free calculator →Quarterly Estimated Tax Safe-Harbor Planner
1099 · QuarterlyHit the safe-harbor rule and avoid IRS underpayment penalties on every quarterly deadline.
Open free calculator →RMD Calculator (Required Minimum Distribution)
Retirees · By Dec 31Estimate your required minimum distribution before the December 31 deadline. Your starting age depends on your birth year — generally 73 or 75.
Open free calculator →Tax-Loss Harvesting Calculator + Wash-Sale Checker
Investors · Before Dec 31Offset capital gains plus $3,000 of ordinary income with harvested losses — and clear the 30-day wash-sale rule.
Open free calculator →Roth Conversion Calculator
Retirement · Before Dec 31See the tax cost of converting and how much fits before the next bracket, with IRMAA and NIIT warnings.
Open free calculator →Year-End Tax Moves Checklist
Everyone · Before Dec 31Get a personalized, ranked list of tax moves to make before December 31 — each with its own deadline.
Open free calculator →You can still claim these when you file.
Family Tax Credit Finder
Parents · By filing deadlineCheck the $2,200 Child Tax Credit, dependent-care credit, and EITC eligibility you may be leaving on the table.
Open free calculator →Home Office Deduction Calculator
Self-employed · By filing deadlineCompare the simplified $5/sq ft method vs actual expenses and take the bigger home-office deduction.
Open free calculator →Mileage Deduction Calculator
Self-employed · By filing deadlineDeduct business miles at both 2026 rates — 72.5¢/mile through June 30 and 76¢/mile from July 1 — or actual costs, whichever is larger.
Open free calculator →IRS Form Wizard — Which Forms Do I Need?
Everyone · Filing seasonAnswer a few questions and get your exact list of 2026 IRS forms and schedules, each with its deadline.
Open free calculator →Tax Refund Estimator 2026
Everyone · Filing seasonEstimate your 2026 federal refund or balance due from your income, withholding, and credits before you file.
Open free calculator →2026 law changes
Is overtime really tax-free in 2026? The 6 OBBBA changes, in plain English
Six major new 2026 deductions and credits — all built into the calculators above.
Overtime deduction
Deduct qualified overtime premium pay (single / joint).
$25,000Tips deduction
Deduct qualified reported tip income.
$40,4002026 SALT deduction limit
Up from $10,000 — but it phases down above $505,000 MAGI, never below $10,000.
$2,200Child Tax Credit
Per qualifying child under 17 in 2026.
100%Bonus depreciation
Deduct qualifying business equipment in year one.
$1,000 / $2,000Charitable deduction for non-itemizers
Deduct cash gifts on top of the standard deduction (single / joint).
All 50 states + DC
Find your state tax calculator
Search your state to see 2026 brackets, take-home pay, and effective rate — updated for OBBBA.