Income Tax Calculator
Enter your income, filing status and deduction to estimate your 2026 US federal income tax. This is a federal estimate for tax year 2026, not tax advice. It shows taxable income, tax before and after credits, your marginal and effective rates, and the tax in each bracket.
Last updated November 4, 2026
Wages and other ordinary taxable income for 2026, before the deduction
Optional. Tax after credits will not go below $0
Result
Federal income tax 2026 = $7,670.00
| Measure | Value |
|---|---|
| Taxable income | $58,900.00 |
| Tax before credits | $7,670.00 |
| Credits applied | $0.00 |
| Tax after credits | $7,670.00 |
| Marginal rate | 22% |
| Effective rate (tax / income) | 10.23% |
| Rate | Bracket | Income taxed | Tax |
|---|---|---|---|
| 10% | $0.00 to $12,400.00 | $12,400.00 | $1,240.00 |
| 12% | $12,400.00 to $50,400.00 | $38,000.00 | $4,560.00 |
| 22% | $50,400.00 to $105,700.00 | $8,500.00 | $1,870.00 |
Federal estimate for tax year 2026, not tax advice. Not included: state and local tax, Social Security and Medicare (FICA) or self-employment tax, capital gains and qualified dividend rates, AMT, NIIT, the extra deduction at 65+ or blind, and Married filing separately. Credits count only as the single total you enter.
Show the work
Formula: Taxable income = max(0, income − deduction). Tax = sum over brackets of (taxable income in the bracket × its rate). Tax after credits = max(0, tax − credits). Effective rate = tax after credits ÷ income.
- Standard deduction (Single): $16,100.00 (2026 figure for Single: $16,100.00).
- Taxable income: max(0, $75,000.00 − $16,100.00) = $58,900.00.
- 10% bracket: $12,400.00 × 10% = $1,240.00.
- 12% bracket: $38,000.00 × 12% = $4,560.00.
- 22% bracket: $8,500.00 × 22% = $1,870.00.
- Tax before credits: $1,240.00 + $4,560.00 + $1,870.00 = $7,670.00.
- Tax after credits: max(0, $7,670.00 − $0.00) = $7,670.00.
- Effective rate: $7,670.00 ÷ $75,000.00 = 10.23%; marginal rate is 22%.
Result: Federal income tax 2026 = $7,670.00
How federal income tax is calculated
taxable income = max(0, income − deduction)
tax = Σ (income in bracket × bracket rate)
after credits = max(0, tax − credits)
The deduction comes off first. The 2026 standard deduction is $16,100 for Single, $32,200 for Married filing jointly and $24,150 for Head of household. Or you can enter an itemized amount, which the calculator uses as entered, even if it is lower than the standard deduction.
The tax is progressive. Each rate applies only to the slice of taxable income inside its bracket, not to all of it. Your marginal rate is the rate on your last dollar; your effective rate is tax after credits divided by your income, and it is always lower.
Credits reduce the tax dollar for dollar. You enter one total, and the tax after credits never falls below $0. Refundable credit payments are not modelled.
See how we calculate for the formulas, sources and review schedule behind every calculator.
What this estimate covers
It covers US federal ordinary income tax for tax year 2026 only, for Single, Married filing jointly and Head of household. It does not include state or local tax, Social Security and Medicare (FICA) or self-employment tax, capital gains and qualified dividend rates, alternative minimum tax, the net investment income tax, or the extra standard deduction for age 65 or older or blind filers.
Married filing separately is left out because its brackets were not verified. The result is not a paycheck or take-home figure.
Sources
Official and primary sources for the statements on this page. Their authors have not reviewed or endorsed this page.
- Internal Revenue Service, Rev. Proc. 2025-32, inflation adjustments for tax year 2026, and the IRS 2026 inflation-adjustment announcement.. The 2026 standard deduction amounts and the 2026 bracket thresholds for Single, Married filing jointly and Head of household.
The standard deductions and bracket thresholds were taken from IRS Rev. Proc. 2025-32 and checked for internal consistency against IRS tax-table base amounts on 2026-11-04. Confirm them on irs.gov before filing.
Your income, deduction and credits are your own entries. This page is a federal estimate for general information, not tax advice; ask a tax professional about your situation.
How to use the Income Tax Calculator
- Enter your 2026 income before the deduction.
- Choose Single, Married filing jointly or Head of household.
- Pick the standard deduction, or enter your itemized total.
- Add any total tax credits, then read the tax, rates and bracket table.
Worked example
A Single filer with $75,000 of income and the $16,100 standard deduction has $58,900 of taxable income. The tax is $7,670, an effective rate of 10.23%, with a 22% marginal rate.
| Rate | Bracket | Income taxed | Tax |
|---|---|---|---|
| 10% | $0.00 to $12,400.00 | $12,400.00 | $1,240.00 |
| 12% | $12,400.00 to $50,400.00 | $38,000.00 | $4,560.00 |
| 22% | $50,400.00 to $105,700.00 | $8,500.00 | $1,870.00 |
| Total | Taxable income $58,900.00 | $58,900.00 | $7,670.00 |
Frequently asked questions
What is the difference between marginal and effective tax rate?
The marginal rate is the bracket rate on your last dollar of taxable income. The effective rate is total tax divided by income, so it is lower because lower brackets taxed earlier dollars.
What are the 2026 standard deduction amounts?
For 2026 it is $16,100 for Single, $32,200 for Married filing jointly and $24,150 for Head of household, before any extra amount for age or blindness.
Does this calculator include state tax, Social Security or Medicare?
No. It estimates only federal ordinary income tax. State and local tax, FICA, self-employment tax, capital gains rates, AMT and NIIT are not included.
Can I enter an itemized deduction smaller than the standard one?
Yes. The calculator uses the itemized amount you enter, since you chose it. Most filers compare both and use the larger, so check which one is higher before relying on the result.