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Estimate federal and Maine tax for 2026, then compare with withholding to see if you may receive a refund or owe additional tax.
Federal tax after credits
$9,278.1
State tax
$0
FICA
$7,650
Estimated refund
$2,071.9
For this sample profile, effective tax rate is 16.93% and the estimated refund is $2,071.9.
Source: FinCalc server-rendered example using the same formulas as the interactive calculator.
Estimated amount owed
$3,117.6
Your tax is $19,118. With $16,000 withheld, you may owe $3,118.
Federal tax (after credits)
$11,850.1
State tax
$0
FICA (SS + Medicare)
$7,267.5
Child tax credit
$0
Effective tax rate
20.12%
Marginal tax rate
29.65%
AGI
$94,000
Taxable income (federal)
$77,900
This estimator uses IRS 2026 federal brackets, the selected state tax brackets, and employee FICA rates to estimate your total annual tax.
Refund or amount owed is computed as withholding minus total tax. Positive means refund; negative means additional tax due.
Child tax credit is modeled at $2,000 per dependent with phaseout assumptions beginning at $200,000 (single/HOH) and $400,000 (married filing jointly).
Data and assumptions align with official publications. For verification and current figures:
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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