How much will I get back?
Your 2026 federal refund, on the same rules as the IRS's Tax Withholding Estimator, with the new deductions for tips, overtime and car loan interest.
Your estimate
Example: single, $58,000
$817
If nothing else changes before December 31.
- Adjusted gross income
- $58,000
- Taxable income
- $41,900
- Tax minus refundable creditsBelow zero when refundable credits are larger than the tax
- $4,783
- Withheld and paid
- $5,600
- Refund
- $817
Estimate for tax year 2026 on the IRS TWE rules, standard deduction. Not tax advice.
Questions people ask
Whose rules does this calculator use?
The IRS's Tax Withholding Estimator rules, published by the IRS as open source (CC0). Our build passes the IRS's own acceptance tests: 86 scenarios and 968 checks.
Are tips and overtime tax-free in 2026?
Up to a limit they are deductible: qualified tips up to $25,000, and the premium part of overtime pay up to $12,500 ($25,000 for joint filers), phasing out at higher incomes. Both need a valid SSN.
Is my information saved?
No. The numbers you enter are used to calculate this page and are not stored. This page shows no ads.
Sources
Checked against these sources on October 30, 2026.