Tax · 14 calculators
Tax calculators
Quarterly estimates, withholding, state-by-state 1099 math, AMT, QBI 199A, NIIT, FEIE, depreciation recapture, capital-gains step-up.
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Capital gains step-up tax savings
Compute the federal capital gains tax SAVED via the step-up in basis at death — comparing inherited-and-sold vs gifted-during-life on appreciated property.
SEP-IRA vs Solo 401(k) max contribution
Compare the maximum tax-deductible retirement contribution for self-employed under SEP-IRA vs Solo 401(k) at your net SE income.
Section 179 deduction calculator
Compute Section 179 immediate expensing for business equipment vs MACRS depreciation, including phase-out at the $3.13M cap (2024).
Foreign earned income exclusion calculator
Compute the federal tax savings from the Foreign Earned Income Exclusion (FEIE) for US citizens working abroad — earned income up to $126,500 (2024).
Depreciation recapture tax calculator
Compute the depreciation recapture tax owed on rental property sale — Section 1250 unrecaptured gain at 25% federal flat plus state.
SALT cap impact calculator
Quantify the federal tax loss from the $10,000 State and Local Tax (SALT) deduction cap — comparing actual paid vs deductible cap.
Roth conversion ladder tax cost
Project the federal tax cost of converting traditional IRA balances to Roth over multiple years to manage bracket-by-bracket taxation.
Net Investment Income Tax (NIIT) calculator
Calculate the 3.8% ACA surtax on investment income above the $200k/$250k MAGI threshold — including the lesser-of NII vs MAGI-excess rule.
Section 199A QBI deduction calculator
Calculate the 20% qualified business income deduction for pass-through owners, including SSTB phase-outs and the W-2 wage / UBIA limitation.
FAQ
tax questions, answered
Q1.How does the 1099 quarterly estimator work?
It computes federal income tax (current brackets), self-employment tax (15.3% on net SE income up to the wage base, 2.9% above), and state tax — then divides by four for the quarterly payment. The safe-harbor variant runs the IRS rules: pay 100% of last year's liability (110% if AGI > $150k) and you're penalty-protected regardless of how much more you actually owe. Most freelancers should use safe-harbor for the simplicity.
Q2.Who actually owes AMT in 2025?
After TCJA, AMT applies to a much narrower slice — primarily high-W-2 earners with significant ISO exercises, large state-tax deductions (now capped via SALT), and certain investment situations. The calculator runs both regular and AMT tracks and shows you the higher of the two. If you're a typical W-2 employee with a standard deduction, AMT is unlikely to bite. If you exercised a lot of ISOs in-the-money, run it.
Q3.What's the QBI 199A deduction worth?
Up to 20% of qualified business income for pass-through entities — sole props, partnerships, S corps, REITs. The calculator handles the wage-and-W-2 limits, the SSTB (specified service trade or business) phase-outs, and the threshold income tests. For a profitable LLC at moderate income, this deduction alone is often worth $5-30k of federal tax.
Q4.When does tax-loss harvesting actually help?
It helps when you have realized gains to offset, or when the $3,000 ordinary-income offset matters (carry-forward indefinitely). The calculator quantifies the harvest in dollar terms — losses harvested × your effective rate — and flags wash-sale exposure (same security purchased within 30 days resets the basis and disallows the loss). High-bracket investors with active portfolios can save thousands per year.
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