Overview
The 2026 personal income tax annual settlement calculator helps you quickly compute your annual comprehensive income tax. Automatically aggregate wages and labor income, then apply special additional deductions including child education, mortgage interest and elderly support to accurately determine your tax refund or additional payment amount. All calculations run locally in your browser.
How to use
- Enter total annual comprehensive income including salary and labor income
- Enter total prepaid personal income tax for the year from the tax app
- Enter total annual social insurance and housing fund contributions
- Fill in each special additional deduction such as child education and mortgage interest
- View your tax payable or refund amount
Formula
Taxable income = Comprehensive income - Basic deduction 60000 - Special deductions (social insurance) - Total special additional deductions; Tax payable = Taxable income x Tax rate - Quick deduction; Refund or payment = Tax payable - Prepaid tax
Common scenarios
Salary earner annual settlement
Annual salary 500k, prepaid tax 80k, child education plus elderly support deductions 36k, social insurance 36k, calculate actual additional tax or refund
Combined freelance income filing
Combine primary salary and freelance labor income into comprehensive income for unified progressive rates, unclaimed special deductions may result in a refund
Maximize deductions for refund
Stack child education, mortgage interest, elderly support and serious illness deductions to significantly reduce taxable income, potentially converting additional payment into refund
FAQ
Who is required to file annual tax settlement?
Taxpayers with annual comprehensive income over 120,000 yuan requiring additional payment over 400 yuan, or those who overpaid and want a refund, must file between March 1 and June 30 each year
What are the 2026 special additional deduction standards?
Child education 2000 per month per child, infant care under 3 years 2000 per month per child, mortgage interest 1000 per month, elderly support solo child 3000 per month, continuing education 400 per month or 3600 lump sum
Is the calculation result fully accurate?
This tool calculates based on the latest 2026 tax policy and rate tables for reference estimation only. Final figures are subject to the Personal Income Tax App or tax authority confirmation
Do I need to file if I only have salary income?
If your employer correctly withheld taxes and you have no other income sources, filing is not required. However if you have unclaimed special deductions, proactive filing is recommended to claim a refund
Will my tax data be uploaded to a server?
No. All calculations run locally in your browser. Income and tax data are never uploaded or stored on any server
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