Display your completed 2025 tax return summary for review. Shows every line item with explanations.
Display the completed return in a clear, plain-English format. The user should be able to verify every number before filing.
Check for return data in ./returns/return-2025.json. If it doesn't exist:
"No return data found. Run
/ezfile:file-taxes <path-to-w2>to calculate your return first."
Read ./returns/return-2025.json and display:
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2025 FEDERAL TAX RETURN SUMMARY
Filing Status: Single
Form: 1040 [or 1040-SR if 65+]
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INCOME
Line 1a Wages (W-2 Box 1): $XX,XXX.XX
Line 9 Total income: $XX,XXX.XX
ADJUSTMENTS TO INCOME
Line 10 Student loan interest: -$X,XXX.XX ← Schedule 1
Line 11 Adjusted Gross Income: $XX,XXX.XX
DEDUCTIONS
Line 12a Standard deduction: -$XX,XXX.XX
Line 12c Schedule 1-A deductions: -$X,XXX.XX [if applicable]
Line 14 Total deductions: -$XX,XXX.XX
Line 15 Taxable income: $XX,XXX.XX
TAX CALCULATION
10% on first $11,925: $1,192.50
12% on next $XX,XXX.XX: $X,XXX.XX
[additional brackets if applicable]
Line 16 Tax: $X,XXX.XX
Line 19 Saver's Credit: -$XXX.XX [if applicable]
Line 22 Tax after credits: $X,XXX.XX
Line 24 TOTAL TAX: $X,XXX.XX
PAYMENTS
Line 25a Federal tax withheld: $X,XXX.XX
Line 27 Earned Income Credit: $XXX.XX [if applicable]
Line 33 TOTAL PAYMENTS: $X,XXX.XX
─────────────────────────────────────────────────
[If refund:]
Line 34 YOUR REFUND: $X,XXX.XX
→ Choose direct deposit for fastest refund (~21 days)
[If amount owed:]
Line 37 AMOUNT YOU OWE: $X,XXX.XX
→ Due by April 15, 2026
─────────────────────────────────────────────────
SCHEDULE 1 — Adjustments to Income
Line 21 Student loan interest: $X,XXX.XX
Line 26 Total adjustments: $X,XXX.XX
→ Flows to Form 1040, Line 10
SCHEDULE 1-A — Additional Deductions (New for 2025)
Line 1 Tip income deduction: $X,XXX.XX [if applicable]
Line 2 Overtime pay deduction: $X,XXX.XX [if applicable]
Line 3 Auto loan interest: $X,XXX.XX [if applicable]
Line 4 Senior deduction: $X,XXX.XX [if applicable]
Line 5 Total: $X,XXX.XX
→ Flows to Form 1040, Line 12c
If state tax data is available, show:
STATE RETURN — [State Name]
State wages (Box 16): $XX,XXX.XX
State tax owed: $X,XXX.XX
State tax withheld (Box 17): $X,XXX.XX
State refund/owed: $XXX.XX
After the summary, provide 2-3 personalized insights:
Withholding analysis: If refund > $1,000, mention: "Your employer withheld $X more than needed. That's $Y/month that could've been in your paycheck. Consider adjusting your W-4."
Effective tax rate: "Your effective federal tax rate is [total tax / total income × 100]%. This is your real tax rate -- lower than your marginal bracket of [bracket]%."
Missed opportunities: If Saver's Credit or EIC was close to qualifying, mention what would have changed.
NEXT STEPS:
→ /ezfile:checklist Step-by-step guide to file at freefilefillableforms.com
→ /ezfile:explain AGI Understand what any number means
→ /ezfile:add-1098e Add student loan interest (if not already added)
End with:
Reminder: EZFile is a calculation assistant. Review all numbers against your W-2 before filing. You are responsible for the accuracy of your return.