How the tax & refund estimate works
Your taxable income is your gross income minus the standard deduction and any pre-tax contributions (like a traditional 401(k)). We apply the 2025 federal tax brackets to find your federal tax, then compare it to what you had withheld from your paychecks. If you withheld more than you owe, you get a refund; if less, you owe the difference.
Get a bigger refund (or owe less)
- Contribute to a pre-tax 401(k) or HSA — it lowers your taxable income.
- Claim credits you qualify for (this estimate doesn't include credits).
- Check your W-4 so your withholding matches your real tax.
Frequently asked questions
Is this my exact refund?
It's a solid estimate using 2025 federal brackets and the standard deduction. Your real return can differ with tax credits, itemized deductions, other income and local taxes.
Does it include state tax?
We show an approximate state income tax for reference, but the refund figure is for federal tax (the most-asked question). State refunds are filed separately.
What is "federal tax withheld"?
It's the total federal income tax your employer already took out of your paychecks this year — shown on your pay stubs and W-2.
Estimate only — uses 2025 federal figures and the standard deduction, excludes credits. Not tax advice.