Federal Income Tax Calculator (2026)
Estimate your 2026 federal income tax from your income, filing status and pre-tax deductions.
When to use this calculator
Use this calculator to estimate the federal income tax you owe for 2026 and to see your effective and marginal tax rates. It applies the 2026 standard deduction and tax brackets, which makes it handy for planning, comparing job offers and seeing how a 401(k) contribution lowers your tax.
Example federal tax
How this calculator works
We subtract your pre-tax deductions and the 2026 standard deduction ($16,100 single, $32,200 married filing jointly), then apply the 2026 federal brackets (IRS Rev. Proc. 2025-32): 10%, 12%, 22%, 24%, 32%, 35% and 37%. Each rate only applies to the slice of income inside that bracket.
Step-by-step example
Using these inputs: Yearly income ($): 75000; Filing status: Single; Pre-tax deductions, like 401(k) ($): 0.
A single filer earning $75,000 has a $16,100 standard deduction, so taxable income is $58,900. The federal tax is about $7,670, an effective rate of 10.23%, even though the top bracket reached is 22%.
Tips for a better estimate
- Understand the difference between marginal and effective rates. You pay each bracket's rate only on the income inside that bracket.
- Enter pre-tax deductions such as 401(k) or HSA contributions to see how much tax they save.
- This does not include credits, itemized deductions, other income types or state tax.
FAQ
What is the marginal rate?
It is the rate on your last dollar of income. It is not the rate on all your income.
Does this include Social Security and Medicare?
No. Use our paycheck calculator to include them.
Are credits included?
No. Credits such as the child tax credit are not included.
What is the standard deduction for 2026?
$16,100 for single filers and $32,200 for married couples filing jointly, according to IRS Rev. Proc. 2025-32.
What is the difference between marginal and effective tax rate?
The marginal rate is the rate on your last dollar of income. The effective rate is your total tax divided by your income.
Does this include Social Security and Medicare?
No. Those payroll taxes are separate. The paycheck calculator includes them.
Rates and limits last updated: October 2026. This is an estimate for general information only, not financial, tax or legal advice.
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