Decision Center
Tax Planning
Plan the bill before it arrives.
A step-by-step path through U.S. federal and state tax planning, from withholding to capital gains, using IRS rules.
Your step-by-step path
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Estimate the annual bill
Start with federal taxable income and marginal brackets.
Open Income Tax Calculator - 2
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Plan quarterly payments
Self-employed or with side income? Avoid underpayment penalties.
Open Estimated Quarterly Tax Calculator - 5
Model investment gains
Short-term and long-term gains are taxed very differently.
Open Capital Gains Tax Calculator - 6
Check your effective rate
Your true rate is almost always lower than your bracket.
Open Effective Tax Rate Calculator
Best calculators for this decision
Tax
Income Tax Calculator
Annual income tax across regions.
Tax
W-4 Withholding Calculator
Federal tax withheld per paycheck using 2025 IRS brackets.
Tax
Estimated Quarterly Tax Calculator
IRS Form 1040-ES quarterly payment for self-employed filers.
Tax
Capital Gains Tax Calculator
Short and long-term capital gains tax.
Tax
Self-Employment Tax Calculator
15.3% SE tax (Social Security + Medicare) for freelancers and 1099 workers.
Tax
Effective Tax Rate Calculator
Effective vs marginal federal tax rate on your income.