Tax Refund Calculator
Estimate your federal tax refund by comparing the tax you owe against what was withheld from your paychecks. A positive result is a refund; a negative result is a balance due.
Your details
- Federal tax owed
- $9,049.00
- Tax withheld
- $12,000.00
- Taxable income
- $64,250.00
Formula
Taxable income = gross income − pre-tax deductions − standard deduction. Federal tax owed is computed on the 2025 brackets for your filing status. Refund = tax withheld − tax owed. This is a simplified estimate that uses the standard deduction and excludes credits and additional income.
Frequently asked questions
Why might my real refund differ?⌄
This estimate uses the standard deduction and federal income tax only. Tax credits (child tax credit, education, earned income), itemized deductions, self-employment tax, and state tax all change your actual result.
Is a big refund good?⌄
A large refund means you over-withheld and gave the government an interest-free loan. Adjusting your W-4 can put that money in your paychecks during the year instead.
Sources & methodology
Simplified estimate: 2025 brackets and standard deduction, federal income tax only. Excludes credits, itemized deductions, self-employment tax, and state tax. Not tax advice.
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