TaxMath

Form 1040 calculator

The real federal return, computed line by line as you fill it in. Every figure is worked out in your browser — nothing you type is sent anywhere. Ask any computed line why? and it will name the statute it came from and the lines it was figured from.

Tax year 2025us-federal-2025.1
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Every line with the documents behind it, a "why?" on each computed figure, and type sized to be read.

Total income$0
Adjusted gross income$0
Taxable income—
Total tax—
Refund—
Effective / marginal— / —
Form
1040
Department of the Treasury—Internal Revenue Service
U.S. Individual Income Tax Return
A working replica. Not an IRS form and not for filing.
2025
OMB No. 1545-0074
IRS Use Only—Do not write or staple in this space.
Filing Status
Check only one box.
Presidential Election Campaign
Checking a box below will not change your tax or refund.
Check here if you, or your spouse if filing jointly, want $3 to go to this fund.
Digital Assets
At any time during 2025, did you: (a) receive (as a reward, award, or payment for property or services); or (b) sell, exchange, or otherwise dispose of a digital asset (or a financial interest in a digital asset)?
Standard Deduction
Someone can claim:
Age/Blindness
You:
Eligible educator:Sets the Schedule 1 classroom-expense allowance.
Dependents
If you have more than four dependents, see instructions.
(1) First name   Last name(2) Social security number(3) Relationship to you(4) Check the box if qualifies for:Child tax credit Credit for other dependents EIC qualifying childRemove
Income
Attach Form(s) W-2 here. Also attach Forms W-2G and 1099-R if tax was withheld.
1a
Total amount from Form(s) W-2, box 1
1a
Line 1a: 0
1b
Household employee wages not reported on Form(s) W-2
1b
1c
Tip income not reported on line 1a
1c
1d
Medicaid waiver payments not reported on Form(s) W-2
1d
Line 1d: 0
1e
Taxable dependent care benefits from Form 2441, line 26
1e
Line 1e: 0
1f
Employer-provided adoption benefits from Form 8839, line 29
1f
Line 1f: 0
1g
Wages from Form 8919, line 6
1g
Line 1g: 0
1h
Other earned income
1h
1i
Nontaxable combat pay election
1i
1z
Add lines 1a through 1h
1z
Line 1z: 0
2a
Tax-exempt interest
2a
Line 2a: 0
bTaxable interest
2b
Line 2b: 0
3a
Qualified dividends
3a
Line 3a: 0
bOrdinary dividends
3b
Line 3b: 0
4a
IRA distributions
4a
Line 4a: 0
bTaxable amount
4b
Line 4b: 0
5a
Pensions and annuities
5a
Line 5a: 0
bTaxable amount
5b
Line 5b: 0
6a
Social security benefits
6a
Line 6a: 0
bTaxable amount
6b
Line 6b: 0
6c
7
Capital gain or (loss). Attach Schedule D if required.
7
Line 7: 0
8
Additional income from Schedule 1, line 10
8
Line 8: 0
9
Add lines 1z, 2b, 3b, 4b, 5b, 6b, 7, and 8. This is your total income
9
Line 9: 0
10
Adjustments to income from Schedule 1, line 26
10
Line 10: 0
11
Subtract line 10 from line 9. This is your adjusted gross income
11
Line 11: 0
Form 1040 (2025)Page 1
Standard Deduction for—
Single or Married filing separately, $15,750
Married filing jointly or Qualifying surviving spouse, $31,500
Head of household, $23,625
If you checked any box under Standard Deduction, see instructions.
12
Standard deduction or itemized deductions (from Schedule A)
12
Line 12: blank
13a
Qualified business income deduction from Form 8995 or Form 8995-A
13a
Line 13a: 0
13b
Deductions from Schedule 1-A, line 16
13b
Line 13b: 0
14
Add lines 12, 13a, and 13b
14
Line 14: blank
15
Subtract line 14 from line 11. If zero or less, enter -0-. This is your taxable income
15
Line 15: blank
16
Tax(from the Tax Table or Tax Computation Worksheet)
16
Line 16: blank
Check if any from Form(s):
17
Amount from Schedule 2, line 3
17
Line 17: blank
18
Add lines 16 and 17
18
Line 18: blank
19
Child tax credit or credit for other dependents from Schedule 8812
19
Line 19: blank
20
Amount from Schedule 3, line 8
20
Line 20: blank
21
Add lines 19 and 20
21
Line 21: blank
22
Subtract line 21 from line 18. If zero or less, enter -0-
22
Line 22: blank
23
Other taxes, including self-employment tax, from Schedule 2, line 21
23
Line 23: blank
24
Add lines 22 and 23. This is your total tax
24
Line 24: blank
Federal income tax withheld from:
25a
Form(s) W-2
25a
Line 25a: 0
25b
Form(s) 1099
25b
Line 25b: 0
25c
Other forms
25c
25d
Add lines 25a through 25c
25d
Line 25d: 0
26
2025 estimated tax payments and amount applied from 2024 return
26
27
Earned income credit (EIC)
27
Line 27: blank
28
Additional child tax credit from Schedule 8812
28
Line 28: blank
29
American opportunity credit from Form 8863, line 8
29
30
Reserved for future use
31
Amount from Schedule 3, line 15
31
Line 31: blank
32
Add lines 27, 28, 29, and 31. These are your total other payments and refundable credits
32
Line 32: blank
33
Add lines 25d, 26, and 32. These are your total payments
33
Line 33: blank
Refund
Direct deposit? See instructions.
34
If line 33 is more than line 24, subtract line 24 from line 33. This is the amount you overpaid
34
Line 34: blank
35a
Amount of line 34 you want refunded to you
35a
Line 35a: blank
c  Type:
36
Amount of line 34 you want applied to your 2026 estimated tax
36
Amount You Owe
For details on how to pay, go to www.irs.gov/Payments.
37
Subtract line 33 from line 24. This is the amount you owe
37
Line 37: blank
38
Estimated tax penalty
38
—
Third Party Designee
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Designee's name
Phone no. — Personal identification number (PIN)
Sign Here
Joint return? Both must sign. Keep a copy for your records.
Your signature — Date — Your occupation
Spouse's signature. If a joint return, both must sign. — Date
Phone no.
Email address
Paid Preparer Use Only
Preparer's name — Preparer's signature — Date
PTIN — Check if: Self-employed
Firm's name — Firm's address
Phone no. — Firm's EIN
For Disclosure, Privacy Act, and Paperwork Reduction Act Notice, see separate instructions.NOT OFFICIAL IRS 1040 FORMForm 1040 (2025) · Page 2

What this return is not telling you

  • blankCheck one filing status box. Every status-dependent line stays blank until you do.
  • not yet builtSchedule 1-A line 4: The deduction for tips is a 2025 deduction this engine does not yet compute, so the line is left as not-applicable rather than zero.
  • not yet builtSchedule 1-A line 8: The deduction for qualified overtime is a 2025 deduction this engine does not yet compute, so the line is left as not-applicable rather than zero.
  • not yet builtSchedule 1-A line 12: The deduction for car loan interest is a 2025 deduction this engine does not yet compute, so the line is left as not-applicable rather than zero.
  • blankStandard Deduction Worksheet line —: The standard deduction depends on the filing status.
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  • not yet built1040 line 38: The underpayment penalty (Form 2210) is not yet computed.