Lone Tree, Colorado
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Each calculator lives on the page that explains the rule, so the answer comes with the reasoning. They run entirely in your browser; we see nothing, and nothing is saved. They are for understanding and planning, not for filing — the figures are the 2026 published amounts as of the date on each page, and the answer depends on facts a worksheet can’t ask. Bring the result in and we will check it against the return.
Your home
Sold before two years because of a job move, health, or something unforeseen? The exclusion is prorated, not lost. This does Publication 523, Worksheet 1.
You enter the sale date, when you began owning and living there (each spouse), and the gain.
You get your exclusion limit and how much of the gain is taxable.
After a spouse dies, half the home takes a new basis at its value on the date of death, and the $500,000 exclusion stays available for two years.
You enter what the couple paid, improvements, the value at death, and the sale.
You get the survivor’s stepped-up basis, the gain, and the taxable amount, with the two-year deadline.
Moved into a rental and sold it as your home? Depreciation is recaptured first and the post-2008 rental years shrink the exclusion.
You enter purchase, move-in and sale dates; price, costs, basis and depreciation.
You get the recapture, the nonqualified-use fraction, the exclusion and the taxable gain.
A mortgage over $750,000 (or $1,000,000 for older loans) gets only part of its interest deducted. This is Publication 936, Table 1, lines 1–16.
You enter the average balances of your pre- and post-2017 loans and the interest paid.
You get the deductible share of interest for Schedule A.
Your paycheck and benefits
Why Box 1 is less than your salary, and Box 3 is different again: pre-tax deductions come out, taxable benefits go in.
You enter salary, 401(k), health, HSA, FSA and the taxable extras.
You get Boxes 1, 3 and 5, line by line.
An employer wants an employee to net a fixed amount after taxes — a bonus, a relocation, a prize. This finds the gross.
You enter the net amount and the tax rates to cover.
You get the gross wage that leaves exactly that net.
Employer-paid life insurance over $50,000 is taxable from the IRS Table I rates by age.
You enter the coverage amount and your age.
You get the amount added to Box 1 (and Box 12, code C).
Retirement
How much can you convert this year before the next bracket starts, counting the Social Security it drags in, the senior deduction it erodes, and the Medicare line it might cross.
You enter filing status, ages, other income, dividends and gains, Social Security, and the bracket to fill.
You get the conversion that lands exactly at the top of the bracket, the tax it causes, and the real rate on it.
How much of your benefit is taxed under the Publication 915 worksheet, and what an extra $1,000 of IRA income really costs once it drags more of the benefit in.
You enter filing status, other income, tax-exempt interest, and total benefits.
You get provisional income, the taxable amount, and the hidden marginal rate.
The new deduction for people 65 and older, 2025 through 2028, shrinks by six cents for every dollar of income over $75,000 or $150,000.
You enter filing status, how many are 65+, income, and your bracket.
You get how much of the deduction you keep, the tax it saves, and where it disappears.
Colorado lets each person subtract pension, IRA and Social Security income up to a cap that depends on age and, from 55 to 64, on income.
You enter ages, taxable Social Security and pension amounts for each spouse, and federal AGI.
You get the subtraction per person, the total, and the Colorado tax it saves.
The employee deferral plus the employer share for a self-employed person with no employees, with the 2026 limits and catch-ups.
You enter Schedule C profit or S corp wages, your age, and other 401(k) deferrals.
You get the maximum contribution, split into its two parts.
Debt and the IRS
Forgiven debt on a 1099-C is income unless you owed more than you owned the day before. This is the IRS’s 38-line worksheet from Publication 4681, printable.
You enter every debt and the value of every asset as of the cancellation date, and the 1099-C amount.
You get the amount of insolvency, how much of the canceled debt is excluded, and what goes on Form 982.
Health insurance
From 2026 the premium tax credit ends at 400% of the poverty line with no cap on repayment. One dollar over and the whole advance credit comes back.
You enter people on the return, household income, and optionally the benchmark premium and advance credit from the 1095-A.
You get the cliff for your household, your room under it, and what a dollar over would cost.
Family
When a college student or an adult child could be claimed by the parents or by no one, the family’s total refund decides.
You enter each return’s refund or balance due, both ways.
You get which way the family comes out ahead, and by how much.
Nine yes-or-no questions that walk the three tests, including two households under one roof, with a flowchart.
You enter answers about marriage, the home, and who lived with you.
You get your filing status, and the test you failed if you didn’t qualify.
If there is a worksheet you fill out every year by hand — estimated payments, the Social Security taxable amount, a Roth conversion — tell us and we will build it.
Call 303-734-1040 or stop by the office in Lone Tree. We’ve been reading the footnotes for Douglas County and the Denver area since 1969.
Figures reflect the 2026 tax year as currently published and are rounded for readability. Items marked (verify) are to be confirmed against IRS or Colorado DOR sources before the figures freeze in December. Written October 26, 2026.