US Tax Estimator

The calculators from YZ CPA's free US Tax Estimator app (iPhone, Apple Watch, Android), for Claude.

• Estimate federal income and self-employment tax: refund or balance due after withholding and estimated payments, marginal and effective rates, a bracket-by-bracket breakdown, and the safe-harbor quarterly payment. Tax years 2025 and 2026, with each year's IRS figures.
• List upcoming federal deadlines: quarterly estimated payments, individual returns and extensions, and optionally S-corporation, partnership and C-corporation dates, already moved off weekends and holidays.
• Check whether FBAR (FinCEN 114), Form 8938 (FATCA) or Form 3520 (foreign gifts) is required, using the right threshold for the filing status and for living in the U.S. or abroad.
• Screen a non-U.S. savings life insurance policy (for example a Hong Kong whole-life plan) under IRC section 7702.
• Compare the cost of the catch-up paths for unreported foreign accounts or income: delinquent information return procedures, amended returns with a reasonable-cause statement, or the Streamlined Domestic Offshore Procedures.
• Estimate the basis step-up on inherited stocks, ETFs, mutual funds and crypto: the date-of-death value from public market prices, the IRC section 1014 step-up, the capital-gains tax the heirs avoid (15% to 23.8%), and the Form 706 and portability dates.

Every tool is a read-only calculation. There is no account or sign-in, the tools ask for no names or tax IDs, and the figures sent are not stored. The step-up tool looks up public market prices by ticker symbol and date only. Results are estimates under simplified rules (federal only; no state tax, AMT or QBI deduction), not tax advice. For advice on a specific situation, YZ CPA's licensed CPAs are at yz-cpa.com.