Updated for tax year 2026 · IRS Rev. Proc. 2025-32

Fly through your US taxes

Estimate federal and state income tax, FICA and take-home pay, compare business entities, plan quarterly payments — then fill official IRS forms privately in your browser.

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Your details · 2026

Income
Deductions
Family & credits

Federal tax by bracket

Details

Your business · 2026

C-Corp: remaining profit taxed at 21%, after-tax profit distributed as qualified dividends (0/15/20% worksheet). Owner uses the standard deduction; no other income. QBI applies 2026 income limits (W-2 wage limit, SSTB phase-out).

Entity comparison

Form 1040-ES · 2026

Safe harbor: pay the smaller of 90% of this year's tax or 100% of last year's (110% if last year's AGI was over $150,000).

Prepare your 2025 return — free

Fill official IRS PDFs (2025 revisions, the latest published) right in your browser and download one merged PDF. Print, sign and mail — or use IRS Free File to e-file.

Your data never leaves your browser. Calculations and PDF filling run locally with pdf-lib; nothing is uploaded or tracked. Drafts are saved only in this browser's local storage.

Mail paper returns to the address for your state and form: IRS — Where to file paper tax returns. Prefer e-filing? Check IRS Free File and business e-file providers.

Why TaxPilot

Everything you need, nothing you don't

Built on official IRS and state figures, designed for clarity, and private by default.

Federal + 50 states

2026 brackets, FICA, EITC, child and dependent credits, capital gains rates, NIIT and state income tax for every state and DC.

Business entity planner

Compare sole proprietor, S-Corp and C-Corp taxes with QBI income limits and self-employment tax.

Quarterly estimates

Safe-harbor 1040-ES payments and due dates for freelancers and the self-employed.

Private form filling

Official IRS PDFs filled in your browser and merged into one file. No account, no upload.

FAQ

Frequently asked questions

Which figures does TaxPilot use?

Calculators use tax year 2026 figures from IRS Rev. Proc. 2025-32 (including One Big Beautiful Bill Act changes) and the SSA $184,500 wage base. The return wizard uses 2025 figures because the latest official IRS forms are the 2025 revisions.

What is the difference between effective and marginal rate?

Your marginal rate is the rate on your last dollar of taxable income. Your effective rate is total tax divided by total income — always lower because of progressive brackets.

Are the new 2025–2028 deductions included?

Yes. No tax on tips (up to $25,000), no tax on overtime premium pay (up to $12,500, or $25,000 joint), car loan interest (up to $10,000) and the $6,000 senior deduction are modeled with their income phase-outs, as on Schedule 1-A.

How accurate are the state estimates?

State tax uses each state's 2026 brackets, standard deduction and personal exemptions (2025 in the wizard). Local income taxes, credits, recapture rules and special phase-outs are not modeled; nine jurisdictions without a wage tax are flagged.

Why can an S-Corp save tax?

S-Corp owners pay payroll tax only on a reasonable salary; the remaining profit avoids the 15.3% self-employment tax. The salary must be reasonable for the work performed.

How do QBI income limits work?

The 20% qualified business income deduction is limited above $201,750 of taxable income ($403,500 joint) for 2026: specified service businesses phase out completely over the next $75,000 ($150,000 joint), and other businesses become limited by W-2 wages.

Can I really file with the Prepare your return tool?

It fills the official 2025 IRS PDFs — Form 1040 with Schedules 1, 1-A, 2, 3, B, C, SE, 8812 and Form 8995, or Forms 1120, 1120-S and 1065 with K-1s — and merges them into one PDF. You review, sign and mail it. It covers common situations only.

Is my data stored anywhere?

Only in your own browser: drafts autosave to localStorage on your device so you can resume later. Clear the draft at any time. Nothing is sent to a server.

E-file options

TaxPilot prepares paper forms. To file electronically, use one of these IRS programs or reputable providers.

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Sources & disclaimer

Estimates only — not tax advice. Results are simplified estimates and ignore AMT, local income taxes, most state credits and many special rules. Consult a qualified tax professional or the IRS before making decisions. Full terms