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Estimate your federal and state tax, credits, FICA, and whether you are on track for a refund or an amount owed.
Federal Tax
$13,170.1
State Tax
$5,437.8
FICA
$7,650
Amount Owed
$8,257.9
At $100,000 gross in California, effective rate is 26.26%. Estimated owed: $8,257.9.
Source: FinCalc server-rendered example using the same formulas as the interactive calculator.
Estimated amount owed
$7,997.4
Your tax is $23,997. With $16,000 withheld, you may owe $7,997.
Federal tax (after credits)
$11,850.1
State tax
$4,879.8
FICA (SS + Medicare)
$7,267.5
Child tax credit
$0
Effective tax rate
25.26%
Marginal tax rate
38.95%
AGI
$94,000
Taxable income (federal)
$77,900
Data and assumptions align with official publications. For verification and current figures:
AGI = gross income + other income - 401(k) - HSA - IRA - student loan interest / 2.
Taxable income = AGI - deduction (standard by default or your itemized amount).
Total tax = federal tax + state tax + FICA - child tax credit. Refund/owed = withholding - total tax.
Need state-specific assumptions? Choose your state above for a dedicated page and a pre-computed sample scenario.
A simplified estimate compares total tax liability against withholding year-to-date. If withholding is greater than estimated total tax, the difference is a potential refund. If withholding is lower, you may owe additional tax when filing.
This estimator includes federal income tax brackets, state income tax by state, employee FICA (Social Security and Medicare), and a simplified child tax credit model. It also accounts for common pre-tax adjustments like 401(k), HSA, and IRA contributions.
AGI is modeled as gross wages plus other income minus selected pre-tax contributions and half of entered student loan interest deduction. This is a planning approximation intended for quick tax forecasting, not filing preparation.
Refund estimates are sensitive to withholding, bonuses, side income, and credits. If your income pattern changes during the year, your final federal and state tax may differ from earlier estimates even with the same filing status.
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