FEDERAL INCOME TAX FORMULA
01.Core Concepts
Income (broadly defined) Less: Exclusions Gross Income Less: Deductions for AGI (above-the-line deductions) Adjusted Gross Income (“The Line”) Less: Itemized or Standard Deduction (below-the-line deductions) Less: Bonus deduction for seniors Less: 20% deduction for QBI Less: Charitable contributions for non-itemizers (beginning in 2026) Less: Tip income, overtime income, and car loan interest Taxable Income Tax on Taxable Income Less: Tax Credits Tax Due (or Refund Due)