2026 Tax Brackets + New Credits Included

Know Your Tax Refund in 2 Minutes. No Account Needed.

Tax47 compares 2025 vs 2026 tax laws side-by-side. Estimate your refund, EITC, and self-employment tax. Works offline, nothing leaves your phone.

Estimated Refund
+$908
Federal refund
Tax Calculator US - Tax Refund Estimator
Effective Rate
8.70%
On $112.5K income

Your refund estimate before you file

Enter your income details, and Tax47 calculates your federal tax liability, credits, and estimated refund.

1

Enter Your Income

Type in your gross income, filing status, and W-2 withholding. Add freelance earnings or investment income if you have them.

2

Choose Your Tax Scenario

Select standard or itemized deductions, add tax credits like the Child Tax Credit or EITC, and compare current tax law with proposed changes side by side.

3

Get Your Refund Number

View your estimated refund or amount owed with a full breakdown of your effective tax rate, marginal bracket, and how each credit and deduction affects your bottom line.

How Is Your Tax Refund Calculated?

A tax refund happens when the total amount withheld from your paychecks during the year exceeds your actual tax liability. Here's how it breaks down:

Total Tax Withheld (from your W-2)
Actual Tax Liability (based on taxable income)
= Refund (if positive) or Amount Owed (if negative)

Your actual liability depends on your taxable income — gross income minus either the standard deduction or itemized deductions. Filing status matters: married filing jointly gets wider tax brackets and a larger standard deduction than single filers.

Tax credits reduce your bill dollar for dollar. The Earned Income Tax Credit (EITC) alone can be worth over $7,000 for qualifying families, and the Child Tax Credit (CTC) adds up to $2,000 per child. Knowing how these work helps you adjust your W-4 withholding so you're not giving the government an interest-free loan all year.

Tax47 runs these calculations for you — try it free on iOS & Android

One App, Every Tax Scenario

W-2 employee, freelancer, or curious about the new tax law? There's a calculator for that.

Tax Refund

Estimate your federal refund or amount owed in minutes

2025 vs 2026 Comparison

See how the new tax law changes your refund, bracket, and credits

EITC Calculator

Check your Earned Income Tax Credit eligibility and amount

Self-Employment

Calculate SE tax and quarterly estimated payments

Accurate Tax Calculations, Zero Privacy Tradeoff

Tax47 handles the math so you don't have to. Simple enough for a quick check, detailed enough for real tax planning.

100% Private

All calculations happen on your device. Your financial data never leaves your phone.

Every Filing Situation

Covers all filing statuses, deductions, and credits for accurate federal estimates.

Tax Credits

Calculate Child Tax Credit, EITC, Child Care Credit, and see exactly how they affect your refund.

Save Calculations

Save multiple scenarios to compare different filing strategies and income changes.

16 Themes

16 light and dark themes. Pick one that's easy on your eyes.

Simple & Advanced

Quick estimates for simple situations, or detailed inputs for complex tax scenarios.

We Never See Your Numbers. Period.

Tax47 runs entirely on your phone. No servers, no accounts, no analytics on your income. Your numbers stay with you.

No account required - start calculating immediately

No cloud storage - everything stays on your phone

No data collection - we never see your numbers

Works offline - no internet required, ever

See Your 2026 Tax Refund in Under 2 Minutes

Tax47 is free. No sign-up. Your numbers never leave your device.