Free tax planning for real-life income
See your whole tax picture before April does.
Taxy estimates your federal and state taxes, then shows how the same income affects health coverage and benefits. It handles W-2 wages, freelance income, investments, and Social Security together. There are no accounts, and you type in your own numbers.
Open the calculatorFree. No sign-up. Nothing stored.
Example household · California · single filer
- Federal income tax✓ calculated
- Self-employment tax✓ calculated
- QBI deduction✓ applied
- Solo 401(k) room✓ shown
- Medi-Cal / CalFresh✓ checked
Why Taxy
Fed + state, side by side
Federal, California, Arizona, and Nevada tax in one view, down to payroll add-ons like CA SDI.
Taxes and benefits together
Income that lowers your tax bill can also change your health subsidy or food assistance. Taxy shows both.
$0 of your data stored
Your numbers are calculated and returned. Nothing is saved on our servers.
Most tools tell you what you owe. Taxy shows you what changes if you earn, save, or spend differently.
It’s built for the income situations that simple calculators skip: side businesses, investment income, retirement contributions, and health-insurance credits that interact with all of it.
How it works
Enter what you know.
Pick your tax year, state, and filing status. Add income from wages, 1099 work, investments, or Social Security.
Watch it add up.
Results update as you type. See your AGI, deductions, and taxes line by line, plus a flow diagram of where each dollar goes.
Try other paths.
Save up to three scenarios and compare them side by side to see which choice leaves you better off.
What you can do
Plan around self-employment
Self-employment tax, the half-SE deduction, and the QBI deduction.
Max out retirement accounts
401(k) and Solo 401(k) limits that adjust as you fill in each field.
Check your IRA deduction
See how workplace coverage and income phase it out.
Tax your investments properly
Long-term gains and qualified dividends get their lower rates.
See what’s taxable in Social Security
The IRS two-tier rules, applied automatically.
Reconcile ACA credits
Estimate your Premium Tax Credit, including the SE health-insurance loop.
Check benefit eligibility
Medi-Cal, CalFresh, Medicare premium tiers, and Extra Help.
Estimate refund or balance due
Add your withholding and see quarterly payment amounts.
Your numbers stay yours
Read the full privacy policy.
No account
Use it without giving a name or email.
Stays in your browser
Saved scenarios live on your device, not ours.
Never sold
No ads, no data brokers.
Easy to erase
Clear your browser’s site data and it’s gone.
Run your numbers in about two minutes.
Free to use, with nothing to sign up for.
Open the calculator- No account
- Nothing stored
- Updates as you type