ACA / Obamacare Tool
Subsidy Repayment ("Penalty") Calculator
ACA premium tax credits are based on your estimated income. If you actually earn more, you may have to pay some of that credit back at tax time. Enter a lower and a higher expected income to estimate the likely repayment, by your household size.
Estimated amount you'd likely repay at tax time
$0
Estimate only, not tax or legal advice. Uses 2025 federal poverty guidelines ($15,650 base + $5,500 per additional person) and the IRS repayment limits for excess advance premium tax credit (which the IRS adjusts each year). Your actual repayment depends on your tax return, your plan's benchmark premium, filing status, and the credit actually advanced, and can't exceed the credit you received. The enhanced subsidy rules reflected here are in effect through 2025. Always confirm with a licensed agent or tax professional.