Your Tax Lifecycle Plan — Not Just a Calculator
Skip the scattered tools. Get a guided, step-by-step plan that walks the full tax lifecycle — from filing-status choices to year-end moves — with a printable one-page plan and a refund-or-balance gap check you can act on.
Why a static, source-verified site
- 41 states layer their own brackets, credits, and local taxes on top of federal.
- Nine states have no broad income tax — and Washington taxes capital gains separately.
- Working in two states can trigger dual residency, reciprocal agreements, and convenience-rule traps.
- OBBBA 2025 permanently changed SALT, QBI, QSBS, and the estate exemption.
Calculators & estimators
Every input maps to a published 2026 figure. No black boxes.
Federal Income Tax Estimator
2026 brackets, standard deduction, and effective-rate breakdown by filing status.
CalculatorState Income Tax Estimator
All 50 states + DC, including NYC/Yonkers local tax and reciprocity notes.
CalculatorSelf-Employment & QBI
15.3% SE tax plus the 20% QBI deduction with 2026 phase-in ranges.
CalculatorCapital Gains Tax
Long-term 0/15/20% rates, NIIT surtax, and the 23.8% high-earner ceiling.
CalculatorW-4 Withholding
Model 2026 payroll withholding from IRS Pub. 15-T tables.
CalculatorEstate Tax
The $15M per-person exclusion and portability for 2026 decedents.
CalculatorGift & GST
Annual exclusion, lifetime gift usage, and generation-skipping tax.
ReverseReverse Tax (Target Net)
What gross income do you need to hit a target take-home? Reverse-solve it.
ScenarioRemote-Work Dual-State Tax
Live in one state, work in another? See which state taxes your wages — reciprocity, convenience rule, local tax.
Compare & reverse tools
The differentiators — multidimensional comparison and reverse solving.
2026 federal numbers at a glance
Read directly from the IRS Rev. Proc. 2025-32 dataset behind every calculator — no approximations.
Tax — quick answers
Are the 2026 numbers official?
Federal brackets, the standard deduction, and the Social Security wage base use IRS Rev. Proc. 2025-32. State rates follow each Department of Revenue. OBBBA 2025 changes to SALT, QBI, and the estate exclusion are reflected where noted.
Is FiscTalk tax advice?
No. It is an estimation tool for planning only. Confirm any filing figure with a CPA or the IRS.
Which calculators are free?
All of them — federal & state income, take-home, capital gains, self-employment/QBI, W-4, estate, gift, and the reverse and comparison tools.
Guides worth reading
Editorial-team deep dives, CPA-reviewed and dated — every figure links to its source.
How Much Tax Will I Owe in 2026? $75K–$300K
Worked 2026 federal tax examples for $75,000 to $300,000: federal income tax, FICA, effective and marginal rates, plus state tax notes. Every figure sourced.
Take-Home Pay 2026: What You Keep After Taxes
See how much of a 2026 salary you actually take home after federal income tax, FICA, and state tax — with state-by-state differences explained.
The 2026 Senior Deduction: $6,000 for Age 65+
The OBBBA added a temporary senior deduction for 2025–2028: up to $6,000 (single) or $12,000 (joint) for taxpayers 65+. See who qualifies and how the phase-out works.
2026 Federal Income Tax Brackets, Explained
The 2026 federal income tax brackets and standard deduction from IRS Rev. Proc. 2025-32, with real thresholds and a worked example.