Tax Refund Calculator

$

Gross pay before 401(k) and other pre-tax deductions.

$

Interest, unemployment, IRA withdrawals, short-term gains.

$

From your final 2026 pay stub, or box 2 of your W-2.

$
$

Traditional 401(k), 403(b), 457, deductible IRA, HSA.

Children 17 and older, or relatives you support.

$

Tips in an occupation that customarily receives them. Up to $25,000 is deductible.

$

Only the extra half in time-and-a-half overtime required by federal law.

$

Leave at 0 to use the standard deduction. The larger of the two is used.

Estimated refund

$880.00

Total 2026 tax after credits
$5,620.00
Withheld and paid
$6,500.00
Adjusted gross income
$65,000
Standard deduction
$16,100
Taxable income
$48,900
Tax before credits
$5,620.00
Marginal tax rate
12%
Effective rate (tax ÷ income)
8.6%

Estimate for the 2026 tax year, filed in early 2027. Excludes capital gains rates, self-employment tax and credits not listed.

2026 single brackets7 rows
RateTaxable incomeYour tax in this bracket
10%$0 – $12,400$1,240.00
12%$12,400 – $50,400$4,380.00
22%$50,400 – $105,700$0.00
24%$105,700 – $201,775$0.00
32%$201,775 – $256,225$0.00
35%$256,225 – $640,600$0.00
37%over $640,600$0.00

Open the full tax refund calculator with the formula and FAQs at Calcs for Life