Income Tax Calculator 2026 — know your federal tax in seconds.
Free, private and instant. Enter your income and filing status to see your federal tax, effective rate, marginal bracket, take-home pay and exactly how much falls in each 2026 bracket. No sign-up. Nothing leaves your browser.
Tax Year 2026 · Returns filed in 2027 · IRS Rev. Proc. 2025-32
$16,100Standard deduction — Single
$32,200Standard deduction — Married Filing Jointly
$24,150Standard deduction — Head of Household
Apr 15, 2027Filing deadline for 2026 returns
Calculate your 2026 federal tax
All figures use the official 2026 thresholds. Adjust any field — results update live.
Use this if you itemize or have extra deductions beyond the standard deduction already applied automatically.
Estimate only — before credits such as Child Tax Credit or education credits. See Disclaimer below.
Estimated federal income tax — 2026$11,247Take-home after federal tax: $73,753
Taxable income$68,900
Standard deduction used$16,100
Effective rate13.2%
Marginal bracket22%
How your tax breaks down by bracket
Bracket
Income in band
Tax
This is the part most people get wrong: you do not pay your top rate on all your income. Only the slice inside each bracket is taxed at that bracket's rate — which is why your effective rate is always lower than your marginal rate.
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2026 Federal Tax Brackets — full tables
These brackets apply to taxable income — your income after deductions — for tax year 2026. Rates are unchanged from 2025 (10%, 12%, 22%, 24%, 32%, 35%, 37%); thresholds were inflation-adjusted under IRS Revenue Procedure 2025-32.
Rate
Taxable income range
Tax at top of band*
*Cumulative tax if your taxable income reaches the top of that band. Source: IRS Rev. Proc. 2025-32, §4.01.
Standard deduction 2026 at a glance
Filing status
Standard deduction
Age 65+ / blind add-on
Single
$16,100
+$2,050
Married Filing Jointly
$32,200
+$1,650 per spouse
Head of Household
$24,150
+$2,050
Married Filing Separately
$16,100
+$1,650
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Paycheck estimator — what lands in each pay?
Turn an annual salary into a per-paycheck estimate, including federal withholding and FICA payroll taxes. State and local taxes vary widely and are not included.
Your pay details
Social Security tax is 6.2% on wages up to the wage base. Medicare is 1.45% on all wages (an extra 0.9% applies to high earners above IRS thresholds — not modeled here).
Per-paycheck estimate
Gross pay per paycheck
$3,269
Federal income tax withholding
−$433
Social Security (6.2%)
−$203
Medicare (1.45%)
−$47
Estimated net pay
$2,587
Annual FICA total$6,503
Annual net (after federal + FICA)$67,250
Withholding is an estimate based on annualizing your pay. Your actual W-4 settings, pre-tax benefits and state taxes will change the real number.
Guides — understand your 2026 tax
Short, plain-English explainers written for this site, using the official 2026 figures.
2026 Federal Tax Brackets Explained
The US federal system has seven marginal rates for 2026: 10%, 12%, 22%, 24%, 32%, 35% and 37%. “Marginal” is the key word. If you are single, the first $12,400 of taxable income is taxed at 10%, the next slice up to $50,400 at 12%, the next up to $105,700 at 22%, and so on. Moving into a higher bracket never reduces your take-home pay — only the dollars above the threshold are taxed at the higher rate. Brackets differ by filing status: married couples filing jointly get roughly double the single thresholds through most bands, with the 37% rate starting above $768,700 of taxable income.
Standard Deduction 2026: How Much Is It?
For 2026 the standard deduction is $16,100 for single filers, $32,200 for married filing jointly, $24,150 for head of household and $16,100 for married filing separately. It is the amount of income the federal government does not tax at all — think of it as a 0% bracket before the 10% bracket begins. Taxpayers aged 65 or older, or blind, add $2,050 (single / head of household) or $1,650 per spouse (joint). Roughly 9 in 10 filers take the standard deduction because it is larger than their itemized deductions would be.
How to Calculate Your Federal Income Tax in 5 Steps
1. Add up your gross income. 2. Subtract pre-tax contributions like 401(k) and HSA to get adjusted gross income. 3. Subtract the standard deduction (or itemized deductions, if larger) to get taxable income. 4. Run taxable income through the brackets slice by slice, as this calculator does. 5. Subtract any tax credits you qualify for — credits reduce tax dollar-for-dollar, unlike deductions. The result is your federal tax before withholding you already paid through your paychecks.
Marginal vs Effective Tax Rate
Your marginal rate is the rate on your last dollar of taxable income — the bracket you land in. Your effective rate is your total federal tax divided by your total income, and it is always lower, because most of your income is taxed at the lower bracket rates and the standard deduction is taxed at 0%. Example: a single filer earning $85,000 in 2026 is in the 22% marginal bracket, but pays an effective rate of about 11.6% on gross income. Use the marginal rate to judge a raise or extra freelance income; use the effective rate to judge your overall tax burden.
Frequently asked questions
What is the standard deduction for 2026?
For tax year 2026, the standard deduction is $16,100 for single filers and married filing separately, $32,200 for married filing jointly, and $24,150 for head of household. Filers aged 65+ or blind add $2,050 (single / head of household) or $1,650 per qualifying spouse (joint). Source: IRS Revenue Procedure 2025-32.
What are the 2026 tax brackets?
Seven rates apply: 10%, 12%, 22%, 24%, 32%, 35% and 37%. For single filers the bands run to $12,400 (10%), $50,400 (12%), $105,700 (22%), $201,775 (24%), $256,225 (32%) and $640,600 (35%), with 37% above that. Joint filers: $24,800, $100,800, $211,400, $403,550, $512,450 and $768,700, with 37% above.
What tax bracket am I in?
Your bracket is determined by your taxable income — gross income minus pre-tax contributions and the standard (or itemized) deduction — and your filing status. Enter your numbers in the calculator above: it shows both your marginal bracket and your (lower) effective rate, plus the tax in each band.
When is the 2026 tax filing deadline?
Returns for tax year 2026 are due on April 15, 2027. If that date falls on a weekend or federal holiday in a given year, the IRS shifts it to the next business day. You can request an automatic extension to file (not to pay) using Form 4868.
Is this calculator free and private?
Yes. It is completely free, needs no account, and every calculation runs in your own browser. Your income figures are never sent to a server — see the Privacy Policy below.
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About TaxCalc USA
TaxCalc USA is a free educational calculator built to make the 2026 US federal tax system easy to understand. We turn the official IRS bracket tables and standard deduction amounts (Revenue Procedure 2025-32) into instant, private estimates you can run as many times as you like — for a new job offer, a raise, freelance income or filing-season planning. The site is supported by advertising so it can stay free for everyone.
Privacy Policy
Last updated: November 11, 2026.
Your calculator data stays on your device. All tax and paycheck calculations on this page run entirely in your web browser using JavaScript. The income, deduction and filing-status figures you enter are never sent to a server, never stored by us, and disappear when you close the page. We do not ask for names, Social Security numbers, bank details or accounts, and there is no sign-up.
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Estimates only — not tax advice. This calculator provides simplified estimates of US federal income tax for tax year 2026 using figures from IRS Revenue Procedure 2025-32. It does not account for state or local taxes, most credits, the Alternative Minimum Tax, capital-gains rates, self-employment tax or individual circumstances. It is not a substitute for advice from a qualified tax professional or the IRS. Always confirm figures on irs.gov before filing.
Terms of Use
By using TaxCalc USA you agree to these terms. The site and its calculators are provided free of charge, “as is”, for personal educational use. We work to keep figures accurate and sourced from official IRS publications, but we make no warranty that estimates match any individual's actual tax liability. You are responsible for verifying figures before making financial decisions or filing a return. We may update figures, features or these terms when tax law or IRS guidance changes; continued use means acceptance of the updated terms. Nothing on this site creates a professional, advisory or client relationship.
Contact
Found an error in a 2026 figure, have a feature request, or a business enquiry? Email us at purushotamkumar8757118581@gmail.com — we read every message and typically reply within a few business days.