Tax year 2026 · Filing season 2027

Free 2027 Tax Refund & Deduction Estimator

A little clarity before tax season. Explore a preliminary federal estimate for your W-2 wages, side work and household, then join LaCaya’s waitlist for personal support.

For straightforward Form 1040 situations with total wages plus business receipts up to $150,000. Federal only. This is an estimate, not a filed return or a guaranteed refund.

  1. 1. Filing status
  2. 2. Income
  3. 3. Children & credits
  4. 4. Your estimate
Let’s start with your filing status.

Choose the status you expect to qualify for on December 31, 2026.

Head of Household generally requires being unmarried or considered unmarried, paying more than half the cost of keeping up a home, and a qualifying person. Review filing-status and dependent rules.

What counts as a special situation?

Examples include capital gains, investment or retirement income, rental income, foreign income, Marketplace insurance credits, business losses or loss carryovers, farming, clergy income, tips or overtime deductions, and itemized deductions. Married Filing Separately and qualifying surviving spouse returns need a personal review.

Our calculation and IRS sources

2026 standard deductions: Single $16,100; Head of Household $24,150; Joint $32,200. Progressive 2026 rate schedules apply to income after the standard deduction and half-SE adjustment. Regular SE tax is 15.3% of 92.35% of positive net profit when net earnings reach $400. The household income limit keeps this simplified calculation below the Social Security wage base and Additional Medicare thresholds.

Eligible CTC is up to $2,200 per child; unused credit may qualify for ACTC, limited by earned income and $1,700 per child. The optional EITC uses 2026 maximums and phaseouts with statutory phase-in/phaseout percentages; official credit-table rounding may differ. A dependent count alone does not establish eligibility.

Rules checked October 28, 2026. This tool estimates tax year 2026 returns filed in 2027, not tax year 2027.

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