import React, { useState, useMemo } from 'react'; import { Calculator, DollarSign, Info, TrendingDown, TrendingUp, Users, AlertCircle, Car, RotateCcw } from 'lucide-react'; // --- 4.1 Data Structures & Constants (v4.9 Verified Logic) --- const TAX_CONFIG = { standardDeduction: { single: 15750, mfj: 31500, hoh: 23625 }, senior: { regular: { single: 2000, mfj: 1600 }, bonus: { amount: 6000, thresholdSingle: 75000, thresholdMfj: 150000, rate: 0.06 } }, exclusions: { tips: { cap: 25000, thresholdSingle: 150000, thresholdMfj: 300000, rate: 0.10 }, overtime: { capSingle: 12500, capMfj: 25000, thresholdSingle: 150000, thresholdMfj: 300000, rate: 0.10 }, carLoan: { cap: 10000, thresholdSingle: 100000, thresholdMfj: 200000, rate: 0.20 } }, ctc: { total: 2200, refundable: 1700, phaseOutSingle: 200000, phaseOutMfj: 400000, phaseOutRate: 50, phaseOutStep: 1000 }, brackets: { single: [ { limit: 11925, rate: 0.10 }, { limit: 48475, rate: 0.12 }, { limit: 103350, rate: 0.22 }, { limit: 197300, rate: 0.24 }, { limit: 250525, rate: 0.32 }, { limit: 626350, rate: 0.35 }, { limit: Infinity, rate: 0.37 } ], mfj: [ { limit: 23850, rate: 0.10 }, { limit: 96950, rate: 0.12 }, { limit: 206700, rate: 0.22 }, { limit: 394600, rate: 0.24 }, { limit: 501050, rate: 0.32 }, { limit: 751600, rate: 0.35 }, { limit: Infinity, rate: 0.37 } ], hoh: [ { limit: 17000, rate: 0.10 }, { limit: 64850, rate: 0.12 }, { limit: 103350, rate: 0.22 }, { limit: 197300, rate: 0.24 }, { limit: 250500, rate: 0.32 }, { limit: 626350, rate: 0.35 }, { limit: Infinity, rate: 0.37 } ] } }; const Card = ({ children, className = "" }) => (

{children}

); const InputField = ({ label, value, onChange, prefix = null, suffix = null, type = "number", subtext = null, icon = null, warning = null }) => (

{icon && {icon}} {label}

{warning && {warning}}

{prefix && (

{prefix}

)} onChange(e.target.value === '' ? 0 : Number(e.target.value))} className={`block w-full ${prefix ? 'pl-7' : 'pl-4'} ${suffix ? 'pr-12' : 'pr-4'} py-3 bg-slate-50 border border-slate-200 rounded-xl focus:ring-2 focus:ring-indigo-500 focus:border-indigo-500 transition-all text-slate-800 font-medium`} placeholder="0" /> {suffix && (

{suffix}

)}

{subtext &&

{subtext}

}

); const SelectField = ({ label, value, onChange, options }) => (

{label}

); export default function TaxEstimator2025() { const [status, setStatus] = useState('single'); const [grossIncome, setGrossIncome] = useState(60000); const [tips, setTips] = useState(0); const [overtime, setOvertime] = useState(0); const [carInterest, setCarInterest] = useState(0); const [age, setAge] = useState(30); const [spouseAge, setSpouseAge] = useState(30); const [children, setChildren] = useState(0); const [withheld, setWithheld] = useState(5500); // Reset Function const handleReset = () => { setStatus('single'); setGrossIncome(0); setTips(0); setOvertime(0); setCarInterest(0); setAge(30); setSpouseAge(30); setChildren(0); setWithheld(0); }; const results = useMemo(() => { const isMFJ = status === 'mfj'; // 1. Exclusions const tipThreshold = isMFJ ? TAX_CONFIG.exclusions.tips.thresholdMfj : TAX_CONFIG.exclusions.tips.thresholdSingle; const tipReduction = Math.max(0, (grossIncome - tipThreshold) * TAX_CONFIG.exclusions.tips.rate); const eligibleTips = Math.max(0, Math.min(tips, TAX_CONFIG.exclusions.tips.cap) - tipReduction); const otPremium = overtime * 0.3333; const otThreshold = isMFJ ? TAX_CONFIG.exclusions.overtime.thresholdMfj : TAX_CONFIG.exclusions.overtime.thresholdSingle; const otCap = isMFJ ? TAX_CONFIG.exclusions.overtime.capMfj : TAX_CONFIG.exclusions.overtime.capSingle; const otReduction = Math.max(0, (grossIncome - otThreshold) * TAX_CONFIG.exclusions.overtime.rate); const eligibleOT = Math.max(0, Math.min(otPremium, otCap) - otReduction); const carThreshold = isMFJ ? TAX_CONFIG.exclusions.carLoan.thresholdMfj : TAX_CONFIG.exclusions.carLoan.thresholdSingle; const carReduction = Math.max(0, (grossIncome - carThreshold) * TAX_CONFIG.exclusions.carLoan.rate); const eligibleCar = Math.max(0, Math.min(carInterest, TAX_CONFIG.exclusions.carLoan.cap) - carReduction); const totalExclusions = eligibleTips + eligibleOT + eligibleCar; const agi = Math.max(0, grossIncome - totalExclusions); // 2. Deductions let deduction = TAX_CONFIG.standardDeduction[status] || 0; let seniorAddon = 0; let obbbaBonusTotal = 0; let seniorCount = 0; const calcRegularSenior = (personAge) => { if (!personAge || personAge < 65) return; seniorCount++; const reg = isMFJ ? TAX_CONFIG.senior.regular.mfj : TAX_CONFIG.senior.regular.single; seniorAddon += reg; deduction += reg; }; calcRegularSenior(age); if (isMFJ) calcRegularSenior(spouseAge); if (seniorCount > 0) { const bonusBase = seniorCount * TAX_CONFIG.senior.bonus.amount; const bonusThreshold = isMFJ ? TAX_CONFIG.senior.bonus.thresholdMfj : TAX_CONFIG.senior.bonus.thresholdSingle; const bonusReduction = Math.max(0, (agi - bonusThreshold) * TAX_CONFIG.senior.bonus.rate); obbbaBonusTotal = Math.max(0, bonusBase - bonusReduction); deduction += obbbaBonusTotal; } const taxableIncome = Math.max(0, agi - deduction); // 3. Tax Liability let tax = 0; let remainingIncome = taxableIncome; let previousLimit = 0; const brackets = TAX_CONFIG.brackets[status]; for (const bracket of brackets) { if (remainingIncome <= 0) break; const spread = bracket.limit - previousLimit; const taxableInBracket = Math.min(remainingIncome, spread === Infinity ? remainingIncome : spread); tax += taxableInBracket * bracket.rate; remainingIncome -= taxableInBracket; previousLimit = bracket.limit; } // 4. Credits (CTC) const ctcPhaseOutStart = isMFJ ? TAX_CONFIG.ctc.phaseOutMfj : TAX_CONFIG.ctc.phaseOutSingle; let ctcReduction = 0; if (agi > ctcPhaseOutStart) { const excess = agi - ctcPhaseOutStart; const steps = Math.ceil(excess / TAX_CONFIG.ctc.phaseOutStep); ctcReduction = steps * TAX_CONFIG.ctc.phaseOutRate; } const totalCTCBase = children * TAX_CONFIG.ctc.total; const totalCTC = Math.max(0, totalCTCBase - ctcReduction); const refundableCTCMax = children * TAX_CONFIG.ctc.refundable; let actualCredit = 0; if (tax >= totalCTC) { actualCredit = totalCTC; } else { const unusedCredit = totalCTC - tax; const refundablePart = Math.min(unusedCredit, refundableCTCMax); actualCredit = tax + refundablePart; } const finalTaxLiability = tax - actualCredit; // 5. Final Results const estimatedRefund = withheld - finalTaxLiability; const effectiveRate = grossIncome > 0 ? (Math.max(0, finalTaxLiability) / grossIncome) * 100 : 0; return { tipsExcluded: eligibleTips, otExcluded: eligibleOT, carExcluded: eligibleCar, totalExclusions, agi, deduction, seniorAddon, obbbaBonusTotal, taxableIncome, grossTax: tax, ctcBase: totalCTCBase, ctcReduction, totalCTC, actualCredit, finalTaxLiability, estimatedRefund, effectiveRate }; }, [status, grossIncome, tips, overtime, carInterest, age, spouseAge, children, withheld]); const isRefund = results.estimatedRefund >= 0; // Status Label Helper const getStatusLabel = (s) => { if (s === 'single') return 'Single'; if (s === 'mfj') return 'Married Filing Jointly'; if (s === 'hoh') return 'Head of Household'; return 'Unknown'; }; return (

{/* Header */}

2025 Federal Tax Refund Estimator

v4.9 Final Verified (with Reset)

{/* Left Column: Inputs */}

Personal Details

{status === 'mfj' && ( )}

0 ? "Did you forget kids?" : null} />

Income & Deductions

} />

Federal Tax Withheld

setWithheld(e.target.value === '' ? 0 : Number(e.target.value))} className="block w-full pl-7 pr-4 py-3 bg-white border border-amber-300 rounded-lg focus:ring-2 focus:ring-amber-500 text-slate-800 font-bold" placeholder="W-2 Box 2" />

{/* Right Column: Results */}

{/* Main Result Card */}

Current Status: {getStatusLabel(status)}

{isRefund ? : }

{isRefund ? "Estimated Refund" : "Amount You Owe"}

${Math.abs(results.estimatedRefund).toLocaleString('en-US', { minimumFractionDigits: 2, maximumFractionDigits: 2 })}

Effective Tax Rate

{results.effectiveRate.toFixed(2)}%

Total Tax Liability

${Math.max(0, results.finalTaxLiability).toLocaleString()}

{/* Breakdown */}

Calculation Breakdown

{/* Row: Exclusions */} {results.totalExclusions > 0 && (

Income Exclusions (OBBBA)

{results.tipsExcluded > 0 && `Tips: -$${results.tipsExcluded.toLocaleString()} `} {results.otExcluded > 0 && `OT (Premium): -$${results.otExcluded.toLocaleString()} `} {results.carExcluded > 0 && `Car Loan: -$${results.carExcluded.toLocaleString()}`}

-${results.totalExclusions.toLocaleString()}

)} {/* Row: AGI */}

Adjusted Gross Income (AGI)

${results.agi.toLocaleString()}

{/* Row: Deduction */}

Standard Deduction {getStatusLabel(status)}

Base: ${TAX_CONFIG.standardDeduction[status].toLocaleString()} {results.seniorAddon > 0 ? ` + Senior: $${(results.seniorAddon + results.obbbaBonusTotal).toLocaleString()}` : ' + Senior: $0'}

-${results.deduction.toLocaleString()}

{/* Row: Taxable Income */}

Taxable Income

{results.agi.toLocaleString()} - {results.deduction.toLocaleString()} =

${results.taxableIncome.toLocaleString()}

{/* Row: Gross Tax */}

Gross Tax (Before Credits)

${results.grossTax.toLocaleString('en-US', { minimumFractionDigits: 2 })}

{/* Row: Credits */}

Child Tax Credits (CTC) {results.ctcReduction > 0 && Phase-out Active}

-${results.actualCredit.toLocaleString()}

Base: {children} children x $2,200 = ${results.ctcBase.toLocaleString()} {results.ctcReduction > 0 && (Less: Phase-out -${results.ctcReduction.toLocaleString()})}

{/* Row: Withholding */}

Taxes Already Paid (Withholding)

-${withheld.toLocaleString()}

); }

2025 Federal Tax Refund EstimatorLatestv2React

2025 Federal Tax Refund Estimator
Latest
v2
React