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All 10 tax planning calculators
Capital Gains Tax Calculator
Works out the federal tax on one sale by stacking the gain on top of your other taxable income and charging each rate layer it reaches at that layer's own rate, so a gain that straddles two layers is priced as two pieces rather than at one flat rate, with the net investment income surtax on the lesser of the gain and the income above its threshold. Use it to see what a sale actually costs, how much of the gain lands in each rate band, and what the same sale would cost on either side of the twelve-month holding period.
Tax PlanningCapital Gains Tax on Investment Sales Calculator
Enter up to 20 investment sales made in one tax year, with their dates, and see the federal income tax, the 3.8% net investment income tax and a flat state tax they add for 2025 or 2026: each sale held one year or less or more, the short-term and long-term nets, where the long-term gain falls in the 0%, 15% and 20% bands, the loss deducted and carried forward, and what you keep. Estimates for education, not tax advice.
Tax PlanningCharitable Giving Bunching Calculator
Prices giving the same amount to charity every year against giving several years of it at once, under the 2026 rules: the half-percent-of-income floor that is charged once a year instead of once and is lost outright rather than carried forward, the ceiling on a large cash gift, the cash deduction a non-itemizer keeps and forfeits by using a donor-advised fund, and the overall limitation on a high income. Use it to decide whether bunching is worth doing at your income and your level of giving, and to see the answer when it is not.
Tax PlanningESPP and RSU Hold or Sell Calculator
Shares from an employee stock purchase plan or restricted stock units: compare what you keep after tax if you sell now with holding to the qualifying or long-term date at three prices you choose, with the ordinary income, capital gain and tax of each case for 2025 or 2026, and the months until that date. Estimates for education, not tax advice.
Tax PlanningHSA and 529 Growth with Tax Treatment Calculator
Simulate 100 market futures for yearly contributions to a 529 plan or an HSA inside a seeded, reproducible workbook, and see the range of balances when the money is withdrawn, the tax the contributions save, and how far the account comes out ahead, after tax, of an ordinary taxable account that costs you the same each year. Tax is shown at contribution, on growth and at withdrawal for both. Estimates for education, not advice.
Tax PlanningLike Kind Exchange 1031 Deferral Calculator
Compare the tax of selling an investment property outright with the tax due now in a 1031 like-kind exchange, and see the tax the exchange defers: the unrecaptured section 1250 gain taxed at up to 25%, the other long-term gain, the net investment income tax and a state rate, for 2025 or 2026, with the gain recognised on the boot and the basis of the replacement. Estimates for education, not advice.
Tax PlanningMarginal vs Effective Tax Rate Calculator
Works out the 2026 federal income tax on a household's income and reports the rate on the next dollar twice, as the statutory bracket rate and as the rate actually faced once a deduction that is being withdrawn is counted, and the rate on every dollar three times, once against each of the three bases the income tax is divided by: taxable income, adjusted gross income, and income before any deduction. Use it to see which rate you are being quoted, how many dollars of room are left before the next bracket, and how much of your income the payroll tax takes alongside the income tax.
Tax PlanningTax Efficient Withdrawal Order Calculator
Compare three orders of drawing a taxable account, a traditional IRA or 401(k) and a Roth account through retirement, each grossed up to the same spending after tax: lifetime tax, how long the money lasts, the balance left and the bracket each year, with required minimum distributions and the tax on Social Security. Estimates for education, not advice.
Tax PlanningTax Loss Harvesting Benefit Calculator
Prices a harvested investment loss as the deferral it is: the tax it saves this year under the netting order the Internal Revenue Service sets out, the carried-forward remainder valued at the annual limit a year at a time, and against those the extra tax due when the replacement position is sold with a basis lower by exactly the loss. Use it to see how much of the benefit is a permanent saving from the gap between the rate saved today and the rate paid later, and how much is only timing.
Tax PlanningTax Lot Selection Method Calculator
Compare the tax one sale of a security adds under six ways of choosing the units you sell: oldest first, newest first, highest cost first, lowest cost first, a lowest-tax order and average cost. See the gain of each, split into short-term and long-term, the federal, net investment income and state tax it adds for 2025 or 2026, the method with the lowest tax of the six, and the tax it saves against oldest first. Estimates for education, not advice.