Included
W-2 wages, taxable interest, ordinary and qualified dividends, net short- and long-term gains, taxable Roth conversions, the standard deduction, NIIT, and federal withholding.
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Tax Lab
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Interactive worksheet
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Live federal estimate
$11,397 tax · $397 due
Your tax picture
Edit any amount. The explanation updates as you type.
Explore with an example
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02
Ordinary income
Income generally taxed through the ordinary-rate brackets.
W-2, box 1
$
1099-INT
$
Box 1a minus box 1b
$
Net gain
$
Form 1099-R
$
03
Preferential income
These dollars may use the 0%, 15%, and 20% preferential-rate stack.
1099-DIV, box 1b
$
Net gain
$
04
Already paid
Payments change the amount due or refunded, not the tax itself.
W-2, box 2
$
Method & limits
Honest about what it knows.
A useful educational estimate makes its boundary as visible as its answer. This models a common, understandable slice of a federal return rather than claiming to prepare one.
Intentionally omitted
Credits, dependents, age/blind, senior, tip, overtime, and car-loan-interest deductions, itemized deductions, business income, payroll and self-employment taxes, AMT, capital-loss carryovers, special-rate gains, state tax, and penalties.
Calculation method
The model fills 2025 ordinary brackets, stacks qualified income above taxable ordinary income, applies the ordinary-rate comparison, and then adds a scoped NIIT estimate.
Use the result well
Learn here. Verify before acting.
This is educational software, not tax advice. Confirm planning decisions with current IRS forms or a qualified professional.
Primary sources
The model cites the IRS 2025 rate schedules and standard-deduction update, Topic 409 for gains, and Topic 559 / Form 8960 for NIIT.