Banking & SavingsNew
Federal Tax & Refund Estimator
Estimate your federal tax liability and refund (or balance due) before you file.
Estimated Federal Tax
$9,221
Inputs
$0$2,000,000
From your W-2 box 2 or paystub YTD
$0$500,000
$0$30,000
Where your gross income goes
$85,000total
Take-home (post federal tax)$69,779
Federal tax$9,221
401(k) contributions$6,000
Total$85,000
Estimated Federal Tax
$9,221
Standard Deduction (2025)
$14,600
Deduction Used
$14,600
Adjusted Gross Income
$79,000
Taxable Income
$64,400
Refund (positive) or Owed (negative)
$2,779
Effective Tax Rate
10.85%
Diagnostic
Your estimated federal tax: $9,221. Effective rate: 10.85%.
You\u0027ve withheld $12,000. The difference goes to refund or balance due.
Plan this in Money MapCoach Insight
Federal Tax & Refund Estimator helps users make a banking & savings decision with clearer numbers, assumptions, and next actions.
Frequently Asked Questions
Everything you need to know.
Related Calculators
Tax Bracket Calculator
Banking & Savings
Calculate your federal income tax, marginal rate, and effective rate.
Paycheck Calculator
Banking & Savings
Estimate your take-home pay after federal and state taxes.
HSA Calculator — Health Savings Account Growth Calculator
Investing & Retirement
Calculate how much your HSA grows if you invest it instead of spending it.
Why This Matters
Federal Tax & Refund Estimator helps users make a banking & savings decision with clearer numbers, assumptions, and next actions.
How to Use It
- 1Enter your numbers in the input panel.
- 2Review the live results and interpretation on the right.
- 3Use the diagnostic outputs to compare options or plan the next step.
- 4Use the related links below if you want to move from analysis to action.
🗺️
Run Money Map Not sure where to start?
Money Map finds your biggest gap in 90 seconds — no sign-up required.
Ready to take the next step?
Compare rates, run Money Map, or explore the full SwitchWize toolkit.
Related calculators
All calculators →Tax Bracket Calculator
Calculate your federal income tax, marginal rate, and effective rate.
Try it
Paycheck Calculator
Estimate your take-home pay after federal and state taxes.
Try it
HSA Calculator — Health Savings Account Growth Calculator
Calculate how much your HSA grows if you invest it instead of spending it.
Try it