Worth Shield Financial Services · Personal planning estimate
2025–2026 Tax Impact Calculator
This report contains personal financial information. Printing adds no financial inputs to the URL and sends no report to a PDF service. Save and share securely. Browser headers and footers depend on your print settings.
Scenario inputs — tax years 2025 and 2026
Same inputs are used in both years. Filing status: Single. W-2 wages: $100,000; other ordinary income: $0; funded pre-tax deductions: $0. Non-itemizer eligible cash gifts: $0.
Compare itemized deductions: No.
Investment income enabled: No. Self-employment enabled: No. Child Tax Credit enabled: No. NIIT enabled: Yes. AMT enabled: No.
Tax comparison
| Modeled result | 2025 | 2026 |
|---|---|---|
| AGI | $100,000 | $100,000 |
| Deductible SE half-tax | $0 | $0 |
| Deduction used | $15,750 | $16,100 |
| Itemized deduction selected | No | No |
| Itemized reduction | $0 | $0 |
| Non-itemizer cash deduction | $0 | $0 |
| Taxable income | $84,250 | $83,900 |
| Ordinary taxable income | $84,250 | $83,900 |
| Ordinary tax | $13,449 | $13,170 |
| Capital gains tax | $0 | $0 |
| NIIT | $0 | $0 |
| SE tax | $0 | $0 |
| AMTI | $0 | $0 |
| Tentative minimum tax | $0 | $0 |
| AMT add-on | $0 | $0 |
| Nonrefundable credits subtracted | $0 | $0 |
| Total modeled federal tax | $13,449 | $13,170 |
| Effective rate | 13.45% | 13.17% |
| Marginal ordinary rate | 22.00% | 22.00% |
2026 modeled tax compared with 2025: $279 lower. This is a comparison under identical inputs, not a forecast of income or future law.
Excludes employee W-2 payroll tax, state/local tax, QBI, refundable credits, Schedule 1-A, age/blind/dependent standard additions and foreign exclusions. Wages and business profit are treated as belonging to one person for Social Security coordination. Other ordinary income excludes separately entered gains/dividends. Optional settings and eligibility must be checked before relying on the estimate.
References and limitations
Educational planning estimate, not a complete tax return or a guarantee of eligibility. These reference links do not represent a new review of every rule or calculation. Confirm your circumstances and current guidance before filing.
2025-2026 Tax Impact Calculator
Compare modeled 2025 and 2026 federal taxes, deductions, investment income and self-employment
Bounded planning estimate, not a complete return. Wages and net business profit belong to one person for Social Security coordination. Ordinary other income excludes the gains/dividends entered separately. No employee W-2 FICA, QBI, refundable credits, Schedule 1-A, age/blind/dependent standard additions, foreign exclusions or state tax. Qualified dividends must already satisfy holding-period rules; gains must be net eligible 0/15/20% gains, not collectibles or recapture.
Basic Information
Print this scenario using your browser. Save and share financial details securely.
Tax Comparison Results
| 2025 | 2026 | |
|---|---|---|
| AGI | $100,000 | $100,000 |
| Deductible SE Half-Tax | $0 | $0 |
| Deduction Used | $15,750 | $16,100 |
| 2026 Itemized Reduction | $0 | $0 |
| Non-Itemizer Cash Deduction | $0 | $0 |
| Ordinary Taxable Income | $84,250 | $83,900 |
| Taxable Income | $84,250 | $83,900 |
| Ordinary Tax | $13,449 | $13,170 |
| Total Modeled Federal Tax | $13,449 | $13,170 |
Marginal Rate (2026): 22%
Your next dollar of ordinary income is taxed at this rate
Important Disclaimers:
- • Educational estimates only - not tax advice
- • Modeled income tax plus optional NIIT/AMT and SE tax; excludes W-2 payroll tax/state/local taxes
- • AMT is a bounded Form 6251 illustration, not a full AMT return
- • NIIT applies when MAGI exceeds thresholds by filing status
- • Results are estimates for planning purposes
- • Consult a tax professional for personalized advice
Reviewed: October 2026 | Based on OBBBA provisions
Want to Maximize Your Tax Savings?
Our tax professionals can help you implement strategies to take full advantage of the OBBBA provisions.
Understanding the 2025-2026 Tax Impact Comparison
The One Big Beautiful Bill Act (OBBBA), signed July 4, 2025, made many 2017 Tax Cuts and Jobs Act provisions permanent and added new deductions for tip income, overtime pay, auto loan interest, and seniors. But tax brackets, the standard deduction, and OBBBA's own thresholds are all indexed for inflation each year — so your actual liability can shift from one tax year to the next even without any change in income.
This calculator runs your full tax picture — wages, deductions, capital gains, self-employment income, credits, NIIT, and AMT — through both the 2025 and 2026 tax-year rules side by side, so you can see exactly where the difference comes from rather than guessing.
How This Calculator Works
Enter your wages, other income, deductions (standard or itemized), and whether to include capital gains, self-employment tax, credits, NIIT, or AMT. The calculator computes the modeled federal tax components liability under both the 2025 and 2026 bracket, standard deduction, and phase-out figures using the same underlying tax engine as the site's other calculators, then shows the two results side by side along with the dollar and percentage difference.
Frequently Asked Questions
Tax planning
Explore this topic
Continue learning, try a planning tool, or explore relevant services.