See what each platform would mean for your household. Enter your own numbers and see, in real dollars, how Kamala Harris's and Donald Trump's actual 2024 platforms would have changed what you owe in income and payroll tax, earn, pay for health coverage and prescription drugs, and pay on student loans — measured against sourced baselines, not guesswork.
For information only, not tax or financial advice. Nothing you type here is sent, saved, or collected — all of the math runs in your own browser and disappears when you close the page.
Loaded with an example household so you can see how it works — edit any field and recalculate for your own numbers.
Estimated federal income tax owed under each scenario, shown in this order: the baseline (a reference point), Harris's platform, Trump's platform, and what actually became law. The chip on each card is the change versus the baseline — a minus sign means you'd owe less, a plus sign means you'd owe more.
How far each platform pushes your tax bill from the baseline — a bar to the left means you'd owe less; a bar to the right means you'd owe more.
Withheld from every paycheck, separately from the income tax above — 6.2% Social Security (up to the wage base cap) plus 1.45% Medicare. Uses your filing status, income, tips, and overtime from your profile above.
Neither candidate proposed a broad change to the Social Security/Medicare payroll tax rate or wage base — Harris's platform made no specific, quantified commitment. Trump's tip/overtime exemption is modeled here as covering payroll tax too, based on analysts' reading of his running mate's comments, not an explicit campaign statement. What actually became law (OBBBA) left payroll tax on tips and overtime completely unchanged — only an income-tax deduction was enacted. See methodology for the full sourcing note.
This section is for hourly workers only. If you're salaried, you can skip it — it doesn't affect any other result on this page. It only matters if your hourly wage is below a candidate's proposed federal minimum ($15/hour for Harris).
Estimated annual increase in what you pay for everyday goods, based on your household income above — tariffs are a tax on imports that gets passed through to consumer prices.
This uses one flat percentage of income for every household, taken from a nonpartisan pre-election estimate of Trump's specific platform. Real-world tariff costs are regressive — lower-income households lose a larger share of their income than higher-income households — so this likely understates the cost for below-median incomes and overstates it for above-median incomes. See methodology for the full sourcing note.
Harris's own targeted tariffs on Chinese EVs and semiconductors aren't modeled here — they raise costs only for households buying those specific goods, not a general cost-of-living increase.
Corporations don't really "pay" a tax the way you do — economists agree the cost passes through to real people via lower investment returns and/or lower wages. This estimates your household's indirect share of each platform's corporate tax rate change, based on the income you entered above. It is not a bill you would receive.
Uses the Tax Policy Center's standard assumption that 80% of a corporate tax change lands on investment returns and 20% on wages, applied to your own income and investment income above. Trump also floated a 15% rate specifically for domestic manufacturers — this calculator uses his broader, unconditional 20% figure instead, since it's the one directly comparable to Harris's economy-wide 28% proposal. See methodology for the full caveat.
Only relevant if your estate (everything you own, at your death) would exceed a few million dollars. A one-time liability at death, not an annual cost — shown separately from the figures above.
Only relevant if you buy your own health coverage on the ACA marketplace (healthcare.gov or your state exchange) rather than through an employer or Medicare/Medicaid. (Quick distinction: Medicaid is government coverage for people with low incomes, run by each state; Medicare is federal coverage mainly for people 65 and older.)
Above 400% of the federal poverty line, the credit is $0 under the baseline/Trump scenario no matter how expensive your plan is — this is the "subsidy cliff" that Harris's platform proposes to permanently remove.
For context: 7.9% of Americans (about 26.7 million people) went without health insurance for all of 2025 — U.S. Census Bureau, "Income, Poverty and Health Insurance Coverage in the United States: 2025."
Who this is for: anyone who pays for prescriptions out of pocket. Today, Medicare caps what a beneficiary pays for drugs at $2,000 a year — but only people on Medicare get that protection. Harris proposed extending the same cap to everyone else (people with employer or marketplace insurance, or no insurance). If someone in your household is on Medicare, you're already covered by the cap, so Harris's proposal won't change your numbers. Only relevant if you or someone in your household takes prescription medication.
Compares staying on the SAVE income-driven repayment plan (Harris) against reverting to the standard 10-year plan (Trump's likely direction — see the methodology caveat below). Only relevant if you carry federal student loan debt. Other debts — mortgages, car loans, credit cards — aren't included yet: student loans are the one kind of debt where the two platforms' positions can be measured from just a few inputs.
Every figure below is either directly sourced or flagged as an assumption used to fill a genuine gap in the campaigns' public platforms.