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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.

This is not an IRS form, and TaxMath is not the IRS.

TaxMath is an independent site with no affiliation to the Internal Revenue Service, the Department of the Treasury, or any other part of the federal government. What follows is a calculator, offered for convenience: it lays itself out like Form 1040 so the arithmetic is easy to follow line by line. This replica cannot be printed and used to file. A printout of this page is not a return, and the IRS will not accept it.

The panel at the bottom of the page is different: it fills the IRS’s own Form 1040, downloaded from irs.gov, and that document is the official form and can be filed. TaxMath does not check it, sign it, or send it. Nobody has reviewed these figures but you — read every line before you file, and file through the IRS or an authorized e-file provider.

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.

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Total income—
Adjusted gross income—
Taxable income—
Total tax—
Refund—
Effective / marginal— / —
Form
1040
U.S. Individual Income Tax Return
A working replica. Not an IRS form and not for filing.
2025
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
No dependents listed.
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
7a
Capital gain or (loss). Attach Schedule D if required.Blank — an entry this line depends on is missing
7a
Line 7a: blank
8
Additional income from Schedule 1, line 10
8
Line 8: 0
9
Add lines 1z, 2b, 3b, 4b, 5b, 6b, 7a, and 8. This is your total incomeBlank — an entry this line depends on is missing
9
Line 9: blank
10
Adjustments to income from Schedule 1, line 26Blank — an entry this line depends on is missing
10
Line 10: blank
11a
Subtract line 10 from line 9. This is your adjusted gross incomeBlank — an entry this line depends on is missing
11a
Line 11a: blank
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.
11b
Amount from line 11a (adjusted gross income)Blank — an entry this line depends on is missing
11b
Line 11b: blank
12e
Standard deduction or itemized deductions (from Schedule A)Blank — an entry this line depends on is missing
12e
Line 12e: blank
13a
Qualified business income deduction from Form 8995 or Form 8995-A
13a
Line 13a: 0
13b
Deductions from Schedule 1-A, line 38Blank — an entry this line depends on is missing
13b
Line 13b: blank
14
Add lines 12e, 13a, and 13bBlank — an entry this line depends on is missing
14
Line 14: blank
15
Subtract line 14 from line 11b. If zero or less, enter -0-. This is your taxable incomeBlank — an entry this line depends on is missing
15
Line 15: blank
16
Tax(from the Tax Table or Tax Computation Worksheet)Blank — an entry this line depends on is missing
16
Line 16: blank
Check if any from Form(s):
17
Amount from Schedule 2, line 3Blank — an entry this line depends on is missing
17
Line 17: blank
18
Add lines 16 and 17Blank — an entry this line depends on is missing
18
Line 18: blank
19
Child tax credit or credit for other dependents from Schedule 8812Blank — an entry this line depends on is missing
19
Line 19: blank
20
Amount from Schedule 3, line 8Blank — an entry this line depends on is missing
20
Line 20: blank
21
Add lines 19 and 20Blank — an entry this line depends on is missing
21
Line 21: blank
22
Subtract line 21 from line 18. If zero or less, enter -0-Blank — an entry this line depends on is missing
22
Line 22: blank
23
Other taxes, including self-employment tax, from Schedule 2, line 21Blank — an entry this line depends on is missing
23
Line 23: blank
24
Add lines 22 and 23. This is your total taxBlank — an entry this line depends on is missing
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 25cBlank — an entry this line depends on is missing
25d
Line 25d: blank
26
2025 estimated tax payments and amount applied from 2024 return
26
Line 26: 0
27a
Earned income credit (EIC)Blank — an entry this line depends on is missing
27a
Line 27a: blank
28
Additional child tax credit from Schedule 8812Blank — an entry this line depends on is missing
28
Line 28: blank
29
American opportunity credit from Form 8863, line 8
29
30
Refundable adoption credit from Form 8839, line 13
31
Amount from Schedule 3, line 15Blank — an entry this line depends on is missing
31
Line 31: blank
32
Add lines 27a, 28, 29, 30, and 31. These are your total other payments and refundable creditsBlank — an entry this line depends on is missing
32
Line 32: blank
33
Add lines 25d, 26, and 32. These are your total paymentsBlank — an entry this line depends on is missing
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 overpaidBlank — an entry this line depends on is missing
34
Line 34: blank
35a
Amount of line 34 you want refunded to youBlank — an entry this line depends on is missing
35a
Line 35a: blank
c  Type:
36
Amount of line 34 you want applied to your 2026 estimated taxBlank — an entry this line depends on is missing
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 oweBlank — an entry this line depends on is missing
37
Line 37: blank
38
Estimated tax penalty(see instructions)Blank — an entry this line depends on is missing
38
Line 38: blank
Third Party Designee
Do you want to allow another person to discuss this return with the IRS?
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.
  • blankSchedule D line 15/16 lesser-of could not be figured.
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  • blank1040 line 7: The deductible part of a net capital loss depends on the filing status, so line 7 waits for it.
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  • blankStandard Deduction Worksheet line —: The standard deduction depends on the filing status.
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  • blankCapital Loss Carryover Worksheet line 4: This year’s deducted loss and taxable income both decide how much carries to next year, and one of them could not be figured. The reason is at the line that has it.
  • blankQualified Dividends and Capital Gain Tax Worksheet line 25 could not be figured.
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Fill the federal PDF

TaxMath does not draw its own version of the 2025 return. It downloads the Form 1040 the IRS is publishing today and types this return into it — in your browser, so nothing you entered is sent anywhere. Every figure comes from the ledger above; a line the engine could not work out is left blank rather than guessed at.

  • Form 1040U.S. Individual Income Tax Return1 box
The blank forms are fetched from irs.gov when you press this.

Before you file this

  • The digital-asset question is unanswered. The IRS requires a Yes or a No — check one by hand.
NOT OFFICIAL IRS 1040 FORM