Back to overviewGuided filing flow

Return progress

71% complete4 of 7 filing steps complete

Current phase: Credits

Step 5 of 7Federal + state

Personal Info

Income

Deductions

4

Credits

5

Review

6

File

Documents and uploads for this phase

Gather these first so SpeedTax can keep your federal and state returns in sync.

Credit eligibility details
Child or education credit records
State filing information

SpeedTax

Federal and state return workspace

Tax Year 2025CreditsSaved 12:00 AM

Credits & State

Almost done! Let's finish up with federal credits and your state return so the refund tracker shows the full picture.

Maximum refund guaranteed100% accuracy guarantee256-bit encryptionAudit support included

Estimated refund tracker

$4,781

Projected total refund across federal and state.

Credits applied: $0AGI: $143,115

Federal return

$4,816

Estimated federal refund

Refund

Pennsylvania return

$35

Estimated state amount due

Due

Total income

$143,200

AGI

$143,115

Taxable income

$127,365

Federal tax

$23,584

Federal credits

$0

State tax

$4,394

SE tax

$170

State deduction

$0

Investment cross-check

BatBucks dividends $0

Realized gains

$0

Effective state rate

Pennsylvania at 3%

Federal withholding

$28,400

Audit risk indicator

Low

Your return has straightforward income and standard deductions.

Estimated Refund
$4,781

Federal credits

$0

Applied against federal tax

Requested credits

$0

What you entered for this step

State taxable income

$143,115

After the state deduction is applied

Pennsylvania tax

$4,394

Using the selected state estimate

Friendly check-in

Let’s finish credits and your state return.

Federal credits reduce your IRS bill, while your state return is estimated separately using the state you select below.

Do you qualify for any federal tax credits?

Credits directly reduce the tax you owe, dollar for dollar. Enter only the amounts you are eligible to claim.

Enter the nonrefundable child tax credit amount you plan to claim.

Use this for American Opportunity or Lifetime Learning credits.

Enter the saver credit from retirement plan contributions if known.

Use this for any other nonrefundable federal credit amount.

Federal summary

Tax before credits$23,584
Credits applied$0
Federal withholding$28,400

Which state should we file for?

Federal and state balances are tracked separately. Your state return is estimated below.

Select the state return you want SpeedTax to estimate.

Enter any estimated nonrefundable state tax credits.

Enter a percent such as 5 for 5% when using a non-California state estimate.

State summary

Estimated state tax$4,394
State credits applied$0
State withholding$4,359

Federal return

$23,584 tax before credits and $0 in credits

$4,816

Refund

Pennsylvania return

$4,394 tax with $0 in state credits

$35

Due

Saved 12:00 AM