> ## Documentation Index
> Fetch the complete documentation index at: https://docs.tight.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Tax Estimates

Once you've set up your user's [tax profile](/v5.0/products/taxes/tax-estimates/tax-profile) and [income streams](/v5.0/products/bank-transactions-1/income-streams), you can easily pull the users tax estimates from the Tight API. As any of your user's data changes, so too will their tax estimates, in real-time.

## 1. Getting the user's tax estimates

First, you should retrieve the user's tax estimates. This endpoint has a `period` URL parameter, which must be one of the following values:

| Value             | Use Case                                                                                                                                                                                                                                                                             |
| :---------------- | :----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| ANNUAL\_PROJECTED | Projecting taxes for the current year. Especially useful for self-employed / business owners, since they are required to make estimated quarterly tax payments.                                                                                                                      |
| YTD               | Showing the taxes owed based on income/expenses tracked thus far in the year. Useful if you are handling income/expense projections on your end and want to bypass Tight's projections, or if you want to show your user a rolling tax obligation as opposed to a future projection. |
| LAST\_YEAR        | Pulling tax estimates for the prior year. Especially useful when the tax filing deadline is approaching (e.g. in April 2022, the user is paying taxes for 2021).                                                                                                                     |

When making the GET request, be sure to include that user's `access_token` in the headers:

```curl theme={null}
curl \
  --request GET \
  --url https://sandbox.hurdlr.com/rest/v5/taxes/estimates?period=ANNUAL_PROJECTED \
  --header 'Authorization: Bearer ${access_token}' \
  --header 'Content-Type: application/json' \
```

The response from GET /estimates contains a JSON object, with a vast amount of useful tax information:

```json theme={null}
{
  "country": "USA",
  "state": "DC",
  "year": 2022,
  "federalFilingStatus": "MS",
  "stateFilingStatus": "MS",
  "w2Income": 30000.00,
  "businessIncome": 102097.90,
  "expenses": 15314.69,
  "deductibleMileageExpenses": 0.00,
  "deductibleNonMileageExpenses": 15314.69,
  "homeOfficeDeduction": 0.00,
  "selfEmploymentDeduction": 6131.04,
  "adjustedGrossIncome": 110652.17,
  "overallTax": 25063.54,
  "overallTaxSavings": 35956.80,
  "overallTaxUnpaid": 25063.54,
  "federalTaxUnpaid": 19324.86,
  "stateTaxUnpaid": 5738.68,
  "annualPaymentDueDate": "2023-04-15 00:00:00.000",
  "afterTaxIncome": 91719.67,
  "otherIncome": 0.00,
  "federalTax": {
    "w2MarginalTaxRate": 12.00,
    "businessMarginalTaxRate": 22.00,
    "adjustedGrossIncome": 110652.17,
    "businessIncomeDeduction": 16130.43,
    "businessIncomeDeductionEffectiveRate": 20.00,
    "federalDeduction": 12950.00,
    "taxableIncome": 81571.74,
    "federalEffectiveTaxRate": 14.79,
    "federalTaxAmount": 12062.78,
    "medicareSurtax": {
      "investmentIncomeMedicareSurtax": 0.00,
      "earnedIncomeMedicareSurtax": 0.00
    },
    "selfEmploymentTax": {
      "socialSecurityTaxableIncome": 80144.29,
      "socialSecurityEffectiveTaxRate": 12.40,
      "socialSecurityTax": 9937.89,
      "medicareTaxableIncome": 80144.29,
      "medicareEffectiveTaxRate": 2.90,
      "medicareTax": 2324.18,
      "taxAmount": 12262.08
    },
    "taxBeforeWithholding": 24324.86,
    "effectiveTaxRateBeforeWithholding": 29.82,
    "withholdingAppliedToTax": 5000.00,
    "taxAmount": 19324.86,
    "effectiveTaxRate": 23.69,
    "employmentTax": {
      "socialSecurityTaxableIncome": 30000.00,
      "socialSecurityEffectiveTaxRate": 6.20,
      "socialSecurityTax": 1860.00,
      "medicareTaxableIncome": 30000.00,
      "medicareEffectiveTaxRate": 1.45,
      "medicareTax": 435.00,
      "taxAmount": 2295.00,
      "note": "The employmentTax numbers in this object are not used in the total federal calculations since the individual's tax filing will not include employment tax."
    }
  },
  "stateTax": {
    "w2MarginalTaxRate": 6.00,
    "businessMarginalTaxRate": 8.50,
    "adjustedGrossIncome": 110652.17,
    "stateDeduction": 12550.00,
    "taxableIncome": 98102.17,
    "preCreditEffectiveTaxRate": 6.87,
    "taxAmountWithoutTaxCredit": 6738.68,
    "taxCredit": 0.00,
    "otherTaxes": 0.00,
    "taxBeforeWithholding": 6738.68,
    "effectiveTaxRateBeforeWithholding": 6.87,
    "withholdingAppliedToTax": 1000.00,
    "taxAmount": 5738.68,
    "effectiveTaxRate": 5.85
  },
  "quarterlyEstimates": {
    "q1": {
      "dueDate": "2022-04-18 00:00:00.000",
      "federalTax": {
        "taxOwed": 4831.21,
        "taxPaid": 0.00,
        "paymentsAllocatedFromPast": 0.00,
        "paymentsRolledOverToFuture": false,
        "paymentsBalance": 4831.21
      },
      "stateTax": {
        "taxOwed": 1434.67,
        "taxPaid": 0.00,
        "paymentsAllocatedFromPast": 0.00,
        "paymentsRolledOverToFuture": false,
        "paymentsBalance": 1434.67
      }
    },
    "q2": {
      "dueDate": "2022-06-15 00:00:00.000",
      "federalTax": {
        "taxOwed": 3221.45,
        "taxPaid": 0.00,
        "paymentsAllocatedFromPast": 0.00,
        "paymentsRolledOverToFuture": false,
        "paymentsBalance": 3221.45
      },
      "stateTax": {
        "taxOwed": 956.64,
        "taxPaid": 0.00,
        "paymentsAllocatedFromPast": 0.00,
        "paymentsRolledOverToFuture": false,
        "paymentsBalance": 956.64
      }
    },
    "q3": {
      "dueDate": "2022-09-17 00:00:00.000",
      "federalTax": {
        "taxOwed": 4831.21,
        "taxPaid": 0.00,
        "paymentsAllocatedFromPast": 0.00,
        "paymentsRolledOverToFuture": false,
        "paymentsBalance": 4831.21
      },
      "stateTax": {
        "taxOwed": 1434.67,
        "taxPaid": 0.00,
        "paymentsAllocatedFromPast": 0.00,
        "paymentsRolledOverToFuture": false,
        "paymentsBalance": 1434.67
      }
    },
    "q4": {
      "dueDate": "2023-01-15 00:00:00.000",
      "federalTax": {
        "taxOwed": 6440.99,
        "taxPaid": 0.00,
        "paymentsAllocatedFromPast": 0.00,
        "paymentsRolledOverToFuture": false,
        "paymentsBalance": 6440.99
      },
      "stateTax": {
        "taxOwed": 1912.70,
        "taxPaid": 0.00,
        "paymentsAllocatedFromPast": 0.00,
        "paymentsRolledOverToFuture": false,
        "paymentsBalance": 1912.70
      }
    }
  }
}
```

## 2. Deciding what information to display

The art of building great FinTech apps includes figuring out how to display complex financial data in a way that a given user base can easily digest it. Tight has iterated its tax UX through its own apps, with over 30 versions displayed to 700k+ users. Our team is willing and excited to share our proven UX learnings with you, fast forwarding you through your iteration process and ensuring that your first tax UX is a solid one.

Reach out to our API team at [api@tight.com](mailto:api@tight.com), and our team will advise you on which attributes to display and how to do so clearly/concisely.