Wise Tax SolutionsPowered by BNB Financial Academy Public estimator
2026 federal projection

Know where your tax year may be heading.

Get a useful refund or balance-due estimate before filing season. Your entries stay in this browser and are not saved.

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About 5 minutesHave pay, business, dependent, and payment estimates nearby.

Estimate only. Not a tax return, filing service, or guarantee.

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Income and payments Wages, business profit, investments, withholding, and quarterly payments.

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Common 2026 rules Brackets, deductions, credits, SE tax, QBI, capital gains, and Form 1095-A.

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A line-by-line result See what increased or reduced the estimate, with limitations called out.

Rules reviewed September 12, 2026. Federal only. State and local taxes are excluded.
Step 1 of 520%
Your filing picture

Start with the household.

This sets the right tax brackets, deduction, and credit limits.

Income

Estimate the full year.

Use projected 2026 totals. Enter net business profit after expenses.

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Deductions

Reduce taxable income accurately.

Automatic mode uses whichever is larger, your standard or entered itemized deduction.

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Business deduction settings
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Dependents and credits

Count only qualifying people.

Credit rules are strict. The estimator trusts the counts you confirm here.

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Education, dependent care, clean energy, and similar credits already calculated elsewhere.
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Marketplace coverage

Add Form 1095-A.

Use the annual totals from line 33. We will estimate the Premium Tax Credit and reconcile advance payments.

You, spouse if filing jointly, and dependents.
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Form 1095-A, line 33 annual totalsCombine forms if more than one applies to the same tax family.
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Why this can change the estimate

If the allowed Premium Tax Credit exceeds Column C, the difference may increase the refund. If Column C is higher, the excess is added to tax. For 2026, the prior income-based repayment caps no longer apply.

Payments and review

What has already been paid?

Refunds come from payments and refundable credits exceeding the estimated tax.

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Situations needing extra review
Before you calculate

This projection uses the 2026 federal rules listed in the results. It does not calculate state tax, penalties, AMT, household employment tax, foreign items, or complex Marketplace policy allocations.

2026 federal projection
Estimated federal refund

$0

Based on the information entered.

WTSEstimate
Income$0
Taxable income$0
Total tax$0
Payments + refundable credits$0
Your next step

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Your estimator answers stay on this page and are not transferred to the waitlist form.
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Calculation

Your estimate, line by line

Important estimate-only notice

This tool provides a planning estimate based solely on the entries supplied. It is not tax, legal, or accounting advice; it does not prepare or file a return; and it cannot determine eligibility from source documents. Actual results can change because of rounding, IRS worksheets and tables, filing-status or dependent eligibility, later guidance, additional taxes, credit ordering, Marketplace monthly changes or allocations, income not entered, and state or local law. A refund is never guaranteed. Review source documents and final IRS forms with a qualified tax professional before filing or making payment decisions.

Rules source: IRS Revenue Procedure 2025-32, IRS Publication 505 (2026), IRS Revenue Procedure 2025-25, IRS Form 8962 instructions, 2025 HHS poverty guidelines, IRS Child Tax Credit guidance, and SSA 2026 contribution base. Rules reviewed September 12, 2026.