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Utilnivo

Simple Tax Calculator

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Estimate taxes using income and a custom tax rate.

  • 100% Free
  • No signup
  • Private & secure
  • Instant results
  • On your device

Private on your device

Your information stays on your device and is not uploaded.

Learn more about this calculator▾

Enter gross income, optional deductions, and either simple tax rates or custom progressive brackets. See taxable income, total tax, net income, effective rate, and monthly estimates. This educational tool does not model every filing-status rule, credit, or jurisdiction requirement. Calculations run on your device.

How to use this tool

Enter gross annual income and deductions. Select Progressive federal brackets with Single/MFJ, or Flat effective rate and enter that rate. Optionally add a state/local rate, then calculate taxable income, total tax, net income, and monthly estimates.

Worked example

Example: $85,000 gross with $14,600 deductions in progressive Single mode applies simplified federal brackets to taxable income; adding a 5% additional rate layers a flat state-like tax on the same taxable base.

When to use this

  • Rough take-home planning before a detailed tax filing.
  • Quick comparisons between two salary offers with different tax assumptions.
  • Quarterly estimated tax planning for freelancers and contractors.
  • Budgeting year-end savings after tax set-asides.

Common examples

  • $85,000 income with a 22% estimated effective rate → quick estimate of annual tax and take-home before detailed filings.
  • Freelancer quarterly planning → compare two tax-rate assumptions for the same income to set aside cash.
  • Side hustle add-on → estimate how a $6,000 extra income affects taxes at a higher bracket assumption.

Common mistakes

  • Treating the estimate as an official tax return result.
  • Forgetting deductions, credits, and filing status change outcomes.
  • Mixing marginal and effective rate concepts.
  • Ignoring state/local tax when budgeting from a federal-only assumption.

How it works

Enter gross income and optional deductions, then choose progressive federal brackets (Single or Married filing jointly, simplified recent-year table) or a flat effective tax rate. An optional additional flat rate (for example state tax) applies to taxable income in either mode. Results show total tax, net income, effective rate, and—when progressive—marginal bracket rate. This is a simple estimate, not official tax advice.

Limitations

This educational calculator applies either simple rates or custom progressive brackets to taxable income. It is not tax advice and does not account for every jurisdiction, tax year, filing-status rule, credit, or local rule. Consult a qualified tax professional for personal guidance.

Privacy and file handling

Your data stays on your device and is not uploaded.

Accuracy & methodology

This section documents how the calculator works, what it leaves out, and when results were last reviewed. Figures are educational estimates—not professional advice—and are not labeled "current" unless tied to automatically updated reference data.

Formula source or methodology
Taxable income = max(0, gross − deductions). Primary tax = taxable × primary rate%. Additional tax = taxable × additional rate%. Net = gross − total tax.
Jurisdiction
User-defined (no built-in country tables)
Unit system
Currency; percent rates
Rounding method
Currency amounts round to two decimal places (half up via Math.round × 100 / 100). Effective rate uses Percentages round to two decimal places unless shown as whole percents in the UI.
Assumptions
  • Flat effective rates entered by the user—not progressive brackets
  • Deductions are a single lump sum
  • Annual income; monthly figures divide by 12
Known omissions
  • Not tax, legal, investment, or lending advice. Confirm material decisions with qualified professionals.
  • Federal income tax brackets, standard deduction, and credits for any tax year
  • State and local income taxes
  • Filing status (single, married, head of household, etc.)
  • Payroll taxes (FICA, Medicare surtax) and self-employment tax
  • Alternative Minimum Tax (AMT) and net investment income tax
  • Capital gains preferential rates
Test cases (automated)
  • $50,000 gross, $10,000 deductions, 20% rate → $8,000 tax and $42,000 net
  • Deductions exceeding gross clamp taxable income to zero
  • Combined rates over 100% are rejected
Version & last verified

Logic version 1.0. Content and formulas last verified .

FAQ

Frequently asked questions

How is taxable income calculated?

Taxable income is gross income minus deductions, floored at zero. In simple mode, each rate is applied to taxable income; progressive mode applies the entered bracket rates to their matching income ranges.

What is the additional tax rate for?

In simple mode, use it for a second flat rate such as state or local tax. Leave it at 0 if you only need one rate; use progressive mode when you want to model entered tax brackets.

Is this official tax advice?

No. Results are simple estimates based on the income, deductions, and rates you enter. Real tax rules vary by location, filing status, credits, and brackets.

Related Simple Tax Calculator workflows

Explore focused guides that reuse this simple tax calculator with different examples and FAQs.

Part of these workflows

This tool is one step in a longer job. Jump straight to your step or open the full workflow guide.

Related pages

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