Total Tax Insights is the first tax calculator to offer a comprehensive view of how taxes affect us. It’s brought to you by the American Institute of CPAs, a longtime advocate for sound tax policy, tax simplification and taxpayer education. It’s an easy-to-use tool that gives you a clearer picture of the types of taxes you pay—including many you may not even know exist—and their estimated amounts.

In general, the American opportunity tax credit, lifetime learning credit and tuition and fees deduction are available to taxpayers who pay qualifying expenses for an eligible student. Eligible students include the primary taxpayer, the taxpayer’s spouse or a dependent of the taxpayer. Though a taxpayer often qualifies for more than one of these benefits, he or she can only claim one of them for a particular student in a particular year.

If your pay from your job includes tips, the IRS has a few important reminders about tip income: Tips are taxable. Individuals must pay federal income tax on any tips they receive. The value of non-cash tips, such as tickets, passes or other items of value are also subject to income tax.