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US tax return builder: your Form 1040, line by line

Enter your real figures once. Every one lands on its actual IRS line across Schedule C, Schedule E, Schedule SE, Schedule 1, Schedule 2 and Form 1040, with the official page beside it.

Your figures

State you are taxed inWages$Total from box 1 of every Form W-2Form 1040: Line 1a, total amount from Form W-2 box 1Business gross receipts$Everything the business took in before expensesSchedule C: Line 1, gross receipts or salesBusiness expenses$Ordinary and necessary business costsSchedule C: Line 28, total expensesRents received$Gross rent for the yearSchedule E: Line 3, rents receivedRental expenses$Repairs, management, insurance, mortgage interest and other costsSchedule E: Line 20, total expensesRetirement contributions$Deductible IRA or self-employed retirement contributionsSchedule 1: Line 20 for the IRA deduction, line 16 for self-employed plansFiling status

Nothing is assumed. Every figure below is one you typed, and the example is clearly your choice.

Form 1040 page 1, about you

Only stored if you save, only ever visible to you, and never sent to the IRS by us.

Your full nameAs it appears on your Social Security cardSocial Security number or ITINNine digitsSpouse's Social Security numberOnly if you file jointlyAddressWhere the IRS should write to you

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Nothing entered yet, so nothing is owed

You have not put any income in on the left, so every line below is nought. We never fill in a wage, a profit or a rent for you.

2025 federal estimate

Your Form 1040 summary

Gross income

Business expenses

-$0

Adjustments and deductions

-$0

Before allowances

Estimated federal, state and payroll tax

After lawful planning

You could keep

Your filled return, form by form

In filing order, because each schedule feeds the next. Anything showing a dash is a figure only you hold, such as tax already withheld.

Schedule 1

Additional income and adjustments to income

Filed with Form 1040 by 15 April

Everything that is neither wages nor a standard deduction goes through here on its way to Form 1040.

Line	What goes in it	Amount
Part I line 3	Business income or loss, from Schedule C line 31	—
Part I line 5	Rental real estate, from Schedule E line 26	—
Part I line 10	Total additional income, carried to Form 1040 line 8	$0
Part II line 15	Deductible part of self-employment tax, from Schedule SE line 13	—
Part II line 16	Self-employed SEP, SIMPLE and qualified plan contributions	$0
Part II line 17	Self-employed health insurance deduction Premiums you paid yourself, not through an employer plan.	—
Part II line 20	Traditional IRA deduction Separate from the plan contributions on line 16.	—
Part II line 26	Total adjustments to income, carried to Form 1040 line 10	$0

Official IRS page for Schedule 1

Schedule 2

Additional taxes

Filed with Form 1040 by 15 April

Self-employment tax and other taxes that sit on top of ordinary income tax.

Line	What goes in it	Amount
Part I line 2	Excess advance premium tax credit repayment Only if you had a Marketplace health plan.	—
Part II line 4	Self-employment tax, from Schedule SE line 12	—
Part II line 8	Additional tax on IRAs or other retirement accounts, from Form 5329	—
Part II line 21	Total other taxes, carried to Form 1040 line 23	—

Official IRS page for Schedule 2

Form 1040

US individual income tax return

15 April, or 15 October with an extension on Form 4868

The front page that pulls every schedule together and works out what you owe or are owed back.

Line	What goes in it	Amount
Page 1 header	Your name, Social Security number, address and filing status	—
Line 1a	Total wages, salaries and tips, from box 1 of each Form W-2	$0
Line 2b	Taxable interest, from Form 1099-INT	—
Line 3b	Ordinary dividends, from Form 1099-DIV	—
Line 8	Additional income, from Schedule 1 line 10	$0
Line 9	Total income	$0
Line 10	Adjustments to income, from Schedule 1 line 26	$0
Line 11	Adjusted gross income	$0
Line 12	Standard deduction, single Itemize on Schedule A instead if your deductible costs come to more than this.	$15,000
Line 15	Taxable income	$0
Line 16	Tax on the amount on line 15	$0
Line 23	Other taxes, from Schedule 2 line 21	—
Line 24	Total tax	$0
Line 25a	Federal income tax withheld, from box 2 of each Form W-2 Copy from your W-2. This is what decides your refund.	—
Line 26	Estimated tax payments you already made	—
Line 37	Amount you owe, or line 34 if you are owed a refund Compare it to the calculation below before you accept it.	—

Official IRS page for Form 1040

Your tax calculation

What the return works out to

Tax is due by 15 April, even with a filing extension

Our own calculation from the lines above. Compare it to the figure your software produces.

Line	What goes in it	Amount
Line 1	Federal income tax	$0
Line 2	State income tax (Texas)	$0

Official IRS page for Your tax calculation

Before you file

This is an estimate built from what you typed, using IRS figures for the current tax year. It is here so you can check a preparer's work, see where every number belongs and plan lawfully. It is not a filed return, and it does not replace personal advice.

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US tax return builder: your Form 1040, line by line

Nothing entered yet, so nothing is owed

Your Form 1040 summary

Your filled return, form by form

Additional income and adjustments to income

Additional taxes

US individual income tax return

What the return works out to

Before you file

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