Federal · United States

    Tax Refund Estimator

    Quick estimate of refund vs amount due using wages and federal withholding.

    Last updated: May 23, 2026Tax year 2025Federal only (no state)Standard deduction applied
    Inputs

    Configure your scenario

    Enter wages and withholding to estimate refund or balance due.

    Wages

    $90,000

    Federal tax

    $11,249

    Refund

    $3,751

    Breakdown

    Detailed estimate

    Estimated federal tax
    $11,249
    Estimated refund
    $3,751
    FAQ

    Tax Refund Estimator — quick answers

    How do I estimate my tax refund?+

    Subtract your estimated federal tax liability from the total federal income tax withheld from your paychecks. If withholding exceeds tax owed, the difference is your estimated refund.

    Why is my tax refund smaller this year?+

    Common reasons include higher income pushing you into a higher bracket, fewer credits or deductions, or lower withholding per paycheck. Changes in filing status or expired tax provisions can also reduce your refund.

    When will I get my tax refund?+

    The IRS typically issues e-filed refunds within 21 days of acceptance. Paper returns take 6-8 weeks. You can track your refund status at irs.gov/refunds.

    What is the average US tax refund?+

    The average federal tax refund is roughly $3,000-$3,200 per year, though this varies widely based on income, withholding, and credits claimed.

    Can I increase my tax refund?+

    Yes — you can increase withholding on your W-4, contribute to a traditional IRA or HSA, or claim all eligible credits such as the Earned Income Tax Credit or Child Tax Credit.

    Sources & Act Reference

    Refund estimate references

    Federal tax baseline

    Estimate uses filing status, annual wages, and standard deduction model.

    Withholding reconciliation

    Refund/due equals federal withholding minus estimated federal liability.

    Rule Trace

    Applied rule and official references

    Applied rule: us-refund-estimator-wages-withholding-v2025

    Compliance checklist

    For accuracy include credits, additional income, and non-wage taxable items in final filing workflow.

    Smart Insight

    Estimated refund is $3,751.