ClervOx planning tools
Make informed decisions
before tax time.
Explore how income, credits, payroll choices, and retirement contributions may affect your tax picture.
2026 federal figures • Your entries stay in your browserCalculator center
Choose the question you want to answer.
Tax & credits
Estimate your federal tax position.
1040Open calculator →
W-4Open calculator →
EICOpen calculator →
Federal income tax
2026 Federal Tax Calculator
Estimate taxable income, federal tax, credits, payments, refund, or balance due.Paycheck withholding
2026 W-4 Paycheck Planner
Choose a bigger paycheck or a bigger refund and see what to enter on a W-4 for each job.Tax credit
Earned Income Credit
Estimate potential 2026 EITC based on income, filing status, and qualifying children.Paycheck planning
See what may reach your bank account.
PAYOpen calculator →
401Open calculator →
R/TOpen calculator →
Withholding
Payroll Deductions
Estimate federal withholding, payroll taxes, deductions, and take-home pay.Take-home pay
401(k) Contribution & Paycheck
Compare how a change in traditional or Roth contributions affects one paycheck.Contribution choice
Roth vs. Traditional Paycheck
Compare the immediate take-home-pay cost of Roth and pre-tax contributions.Retirement strategy
Model the tradeoffs over time.
FVOpen calculator →
R/TOpen calculator →
↻Open calculator →
A/POpen calculator →
Long-term savings
401(k) Savings Projection
Project contributions, employer match, and potential balance at retirement.After-tax value
Roth 401(k) vs. Traditional 401(k)
Compare projected after-tax values under current and retirement tax-rate assumptions.Conversion analysis
Roth 401(k) Conversion
Compare converting today with leaving funds pre-tax, including the tax-cost tradeoff.Savings account choice
After-Tax or Pre-Tax Account
Compare estimated after-tax retirement values at a similar current take-home cost.Numbers need context
A calculator can reveal a question.
A plan helps you answer it.
Use these estimates to prepare for a focused conversation about your income, investments, and goals.
Schedule a tax-planning consultation