Tax Reference is a fast lookup tool for US federal tax data — income brackets, capital gains rates, retirement contribution limits, estate and gift tax thresholds, and depreciation schedules. All data comes from IRS publications and covers 2024–2026 including TCJA sunset notes.
It's built for quick, accurate answers to the questions that come up most in tax planning: what are the 2025 brackets for a married couple? How much can I put in my Roth IRA this year? What's the LTCG rate on a $200k gain? How do I depreciate this equipment? Pass your income to get a full marginal tax breakdown on the spot.
What you can do
- tax_brackets — income tax brackets and standard deductions for 2024–2026; pass income for a marginal tax calculation
- capital_gains — long-term and short-term rates, NIIT thresholds, collectibles, Section 1250 unrecaptured gain rate
- retirement_limits — contribution limits for 401k, IRA, HSA, SEP, SIMPLE, and 457(b) with catch-up amounts and phase-outs
- estate_gift_tax — estate exemptions, annual gift exclusions, GSTT, TCJA sunset impact, and portability rules
- depreciation — MACRS, straight-line, or Section 179 schedules with year-by-year breakdown and bonus depreciation phase-down
Who it's for
Financial planners, accountants, tax professionals, and individual filers who need quick and accurate US federal tax reference data. Useful for any AI assistant that handles financial planning questions.
How to use it
- Use tax_brackets with a year and filing status to get the rate table — pass an income amount to get your estimated tax with marginal breakdown
- Use capital_gains to find the rate that applies to your gain — check NIIT if you're above the income threshold
- Use retirement_limits to confirm contribution limits and phase-out ranges before advising on retirement planning
- Use depreciation with an asset cost and class to generate a full year-by-year schedule
Getting started
No setup needed — all five skills work immediately with no credentials or configuration required.
