What will you actually owe?

Five numbers in, and you get a real read on your 2026 federal and Indiana taxes — not a guess from a generic national tool. Estimates are fine; round numbers work. Here’s how your year lands from the tax side.

Built on current law — the One Big Beautiful Bill Act and Indiana’s 3.000% rate. Pick your year above. Most online calculators are still using the old numbers.

Your year

Tax year

2025 for last year’s return · 2026 for this year’s planning.

Filing status

W-2 wages

The household total for the year, before anything is withheld.

Self-employment profit

What your business clears after expenses — sole prop, single-member LLC, or 1099 work. Enter 0 if none.

Kids under 17 at year-end

Children who qualify for the Child Tax Credit — $2,200 each under current law.

Indiana CollegeChoice 529 contributionsoptional

Indiana gives you 20 cents back per dollar, up to a $1,500 credit — one of the best deals Indiana offers.

Federal tax withheld so faroptional

From your paystubs or W-2 box 2. Leave blank and we’ll show total tax instead of a refund or balance.

Indiana state tax withheldoptional

W-2 box 17, Indiana line only — not the county line.

I lived in Indiana all year

Your numbers land here.

Fill in the year on the left — even rough numbers tell a real story — and press Show me the numbers.

Federal · 2026

Indiana · 2026

Total tax, both returns

Federal income + self-employment + Indiana

Effective rate

Of every $1 you earned, this much goes to tax

Income actually taxed

Where your income actually goes

How the brackets actually work on your income

A common worry we can put to rest: landing in a higher bracket does not mean all your income is taxed at that rate. Only the dollars inside each bracket pay that bracket’s rate.

The full line-by-line math ▶

Your moves

Numbers without a next step are just trivia. Here’s what this estimate says to do.

Estimate only — a Delta review is required before acting. This tool covers the common case, not your whole picture. Before you change withholding, send a payment, or make a year-end move, we look at the real numbers with you.

What this estimate assumes — out in the open

Standard deduction, not itemizing. Current-law amounts: $16,100 single, $32,200 married filing jointly, $24,150 head of household. If you itemize (the SALT cap is $40,000 now, so more people do), your federal tax is likely lower than shown.
Only wages and self-employment profit. Investment income, rentals, retirement distributions, K-1s — not modeled here. Those change the answer.
Indiana county income tax is not included. Every Indiana county adds its own rate on top of the state’s 3.000% — Allen County included. That’s real money and it belongs in a full review.
The 20% qualified business income deduction is applied to self-employment profit, assuming your income is under the phase-out thresholds. Above them, it gets messy — that’s a conversation, not a calculator.
The Child Tax Credit ($2,200 per child, phasing out above $200,000 / $400,000 married) is applied against tax; the refundable portion isn’t modeled.
Not modeled: the additional 0.9% Medicare tax, net investment income tax, other credits, and part-year or nonresident Indiana returns.
2026 law under the One Big Beautiful Bill Act, Indiana at 3.000%. Figures rounded to the dollar.

Want the full picture? Delta will review this with you.

An estimator can’t see your whole year — but we can. Send this over and we’ll tell you what the calculator can’t: what you’re leaving on the table, and the move to make before December 31.

Reach your Delta team at (260) 440-2747 or info@deltacpagroup.com and we’ll walk through it with you.

You don’t need to have it all figured out before you reach out — that’s the point of reaching out. We are always happy to talk it through.

Thank you,
Amy Grego, CPA Delta CPA Group, LLC · (260) 440-2747