Income Tax Calculator (2026)
Estimate your 2026 US federal income tax. See exactly how each bracket contributes to your total — no email required.
Federal Tax Owed
$0
- Taxable Income$0
- Effective Rate0%
- Marginal Rate0%
Your bracket position
How US federal income tax brackets work
The US uses a marginal-bracket system. Your last dollar of income is taxed at your highest (marginal) rate, but most of your income is taxed at lower rates. Your effective rate is your total tax divided by your total income — always lower than your marginal rate.
For 2026, the IRS published seven federal brackets via Rev. Proc. 2025-32. Standard deductions for tax year 2026 are: Single $16,100; MFJ $32,200; MFS $16,100; HoH $24,150.
This calculator covers federal tax only. State income tax (if any) and credits (CTC, EITC, etc.) are not yet modeled — see the paycheck calculator for FICA and a flat state-tax estimate.
Tax data source: IRS Rev. Proc. 2025-32 (October 2025).
Show the math (full bracket breakdown)
Frequently asked questions
What are the 2026 US federal income tax brackets?
For 2026, single filer brackets are: 10% on $0–$12,400; 12% on $12,401–$50,400; 22% on $50,401–$105,700; 24% on $105,701–$201,775; 32% on $201,776–$256,225; 35% on $256,226–$640,600; 37% on $640,601+. Source: IRS Revenue Procedure 2025-32.
What's the standard deduction for 2026?
For tax year 2026: Single $16,100; Married Filing Jointly $32,200; Married Filing Separately $16,100; Head of Household $24,150.
What is the difference between effective and marginal tax rate?
Your marginal rate is the rate applied to your last dollar of income (the bracket you're in). Your effective rate is total tax divided by total income — always lower than marginal. For example, $90,000 single income has a 22% marginal rate but ~12% effective rate.
Should I take the standard deduction or itemize?
Take whichever is larger. Standard deduction is $16,100 for single in 2026. You'd itemize if your deductions (state and local taxes capped at $10,000, mortgage interest, charitable donations, large medical expenses) exceed that. This calculator lets you toggle between both.
Does this include state income tax?
No — this calculator is federal only. For state tax estimates, use the paycheck calculator on this site, which lets you enter a flat state rate for take-home pay calculations.
Related calculators
- → Paycheck Calculator — federal tax plus FICA and a flat state rate, on a per-paycheck basis.
- → Mortgage Calculator — the value of the mortgage interest deduction depends on your bracket.