Tax Refund Estimator
New for 2026 returns: deductions for tips, overtime, car loan interest and age 65+: under “Tips, overtime, car loan, 65+” below. Starting from your hours or shifts? Use the No Tax on Overtime or No Tax on Tips calculator.
Estimated federal refund
$2,640
coming back to youFor $96,000 of wages · married · 2 children
Tax year 2026 · Federal + State
Estimate based on 2026 federal and state tax rules updated Oct 2026 How we calculate
Your return
The total federal income tax taken out of your paychecks. If you don't have your W-2 yet, your last pay stub of the year shows the same year-to-date total.
$2,200 each in Child Tax Credit, reduced at higher incomes.
More options Income, deductions, credits
Anything else?
Most people can skip these. Each one you review narrows the range on your estimate.
What this estimate does not model
- State credits and state-specific deductions. State tax is estimated by applying your state's brackets to your federal AGI, so it is a coarser figure than the federal one.
- Alternative Minimum Tax, and Marketplace premium tax credit reconciliation.
- Rental, partnership and foreign income, and the QBI wage tests at high incomes.
- Whether your tips and overtime qualify. Enter what your W-2 reports in box 12 under codes TP and TT; the occupation and FLSA rules behind those figures are your employer's to apply.
- Anything that changed after 31 December.
Estimated federal refund
$2,640
coming back to you
No email, no account. Your figures are never sent anywhere.
Tax year 2026 · Federal + State
Estimate based on 2026 federal and state tax rules updated Oct 2026 How we calculate
Your return
These few fields get most filers a usable estimate.
The total federal income tax taken out of your paychecks. If you don't have your W-2 yet, your last pay stub of the year shows the same year-to-date total.
$2,200 each in Child Tax Credit, reduced at higher incomes.
More options Income, deductions, credits
Anything else?
Most people can skip these. Each section you review removes a source of uncertainty and narrows the range.
How we got there
The whole return, in the order the IRS works through it.
Income
Deductions
Tax
Credits
Payments and refundable credits
What this estimate does not model
- State credits and state-specific deductions. State tax is estimated by applying your state's brackets to your federal AGI, so it is a coarser figure than the federal one.
- Alternative Minimum Tax, and Marketplace premium tax credit reconciliation.
- Rental, partnership and foreign income, and the QBI wage tests at high incomes.
- Whether your tips and overtime qualify. Enter what your W-2 reports in box 12 under codes TP and TT; the occupation and FLSA rules behind those figures are your employer's to apply.
- Anything that changed after 31 December.