What would that move do to your taxes?
Selling stock, picking up a side gig, taking a bonus. Run the move through official 2026 federal numbers before you do it, in about 30 seconds.
Estimates use tax year 2026 federal brackets, long-term capital gains thresholds, the 3.8% NIIT, and 2026 self-employment tax (15.3% on 92.35% of net earnings, Social Security wage base $184,500) per IRS Rev. Proc. 2025-32 and SSA. Federal only, simplified, not tax advice. Updated June 2026.
How accurate are these estimates?
They use the official 2026 federal brackets and rates from IRS Revenue Procedure 2025-32, but they are simplified estimates for planning. Your real return involves deductions, credits, phaseouts, and state rules. Treat the number as a direction, not a promise.
Does this include state taxes?
No. Florida has no state income tax. If you live or earn in another state, that state's tax comes on top, and we handle it when we prepare your return.
What is the NIIT surcharge it mentions?
The Net Investment Income Tax adds 3.8% on investment income once modified AGI passes $200,000 single or $250,000 married filing jointly. Most people forget it until it shows up on the bill.
Can someone check my real numbers?
Yes. Start your intake or call our office and a preparer will run your actual situation, not a calculator sketch.
Want the 401(k) early-withdrawal scenario too? Use the full what-if calculator.