IRS Tax Refund Estimator

Wondering how big your federal tax refund will be next April? IRS Tax Refund Estimator gives you a fast, accurate estimate for the 2025 tax year (filed in 2026) — built on the official IRS bracket schedule and standard deductions.

Key Features

• 2025 federal tax brackets — Single, MFJ, MFS, Head of Household
• 2025 standard deductions ($15,000 / $30,000 / $22,500)
• Refund or amount owed — see exactly where you stand
• Effective vs marginal tax rate breakdown
• Tax-by-bracket card showing how each dollar is taxed
• Child Tax Credit estimator ($2,000 per qualifying child, phaseout included)
• FICA breakdown (Social Security 6.2% Medicare 1.45% Additional Medicare)
• State tax estimator for CA, NY, TX, FL, WA
• W-4 withholding adjustment advice (break-even guidance)
• "What if I earn more?" marginal-rate scenarios ($1k / $5k / $10k)
• Quick-fill preset scenarios (Single $65k, MFJ $130k2 kids, HoH $55k1 kid)
• Optional itemized deduction input
• Works fully offline — no signup, no account
• Your inputs are saved on-device for next time

How It Works Enter your W-2 wages, any other taxable income (1099, interest, etc.), and federal tax withheld. Pick your filing status and choose standard or itemized deduction. The app applies the 2025 bracket schedule and shows your federal tax, refund (or amount owed), effective and marginal rates instantly.

Why Use It

• Plan your withholding before year-end
• Decide whether to adjust your W-4
• Compare scenarios (single vs MFJ, standard vs itemized)
• Avoid April surprises

Limitations This is a federal-only estimator. It does not include:

• State or local income tax beyond rough estimates
• Tax credits such as EITC, Saver's Credit, education credits
• AMT (Alternative Minimum Tax)
• Self-employment tax adjustments
• Refundable portion limits on the Child Tax Credit

For your official return, use IRS Form 1040 or consult a licensed tax professional.

Sources Brackets and standard deductions sourced from IRS Rev. Proc. 2024-40. FICA rates from SSA 2025 fact sheet.