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2026 Federal Income Tax Calculator

Free 2026 tax calculator: estimate federal income tax, your effective tax rate and after-tax income with 2026 IRS brackets and standard deductions.

Results update instantly.Change any value and the estimate recalculates on the spot.

Money

2026 federal income tax calculator

Estimate US federal income tax for single or married filing jointly.

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Estimated federal income tax

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  • Taxable income-
  • Effective tax rate-
  • After-tax income-

Estimate for tax year 2026 using the standard deduction and ordinary income brackets. Excludes payroll, state and local taxes, special deductions, capital gains, AMT, and many credits. IRS source.

Progressive tax means each band is taxed separately

The highest rate reached does not apply to all income. The calculator subtracts the 2026 standard deduction, applies each ordinary-income bracket in order, then subtracts the credits entered.

Estimated tax = bracket tax on taxable income - credits
2026 federal income tax brackets (single filer)
Taxable incomeRate
$0 - $12,40010%
$12,401 - $50,40012%
$50,401 - $105,70022%
$105,701 - $201,77524%
$201,776 - $256,22532%
$256,226 - $640,60035%
Over $640,60037%

2026 standard deduction: $16,100 single, $32,200 married filing jointly. Matches the brackets used by this calculator. Source: IRS. Last reviewed: October 2026.

Mercado en español: las búsquedas de calculadora de salario neto, ISR e IMSS son especialmente comunes en México. Esta versión calcula impuesto federal de Estados Unidos.

Does this estimate a refund?
No. A refund depends on withholding and payments, which are not entered here.
Does this include state tax?
No. State and local tax rules vary and are not included.

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How it works

How the 2026 Federal Income Tax Calculator works

Quick answer: A single filer earning $85,000 in 2026 owes about $9,870 in federal income tax after the $16,100 standard deduction, an effective rate of 11.6%.

Formula

Taxable income = gross income − standard deduction − other deductions
Tax = sum of each bracket's rate × the income inside that bracket − credits

2026 standard deduction: $16,100 single, $32,200 married filing jointly. Brackets run from 10% to 37%.

Worked example

Single, $85,000 income. Taxable income: $68,900. Federal income tax: $9,870. Effective rate: 11.6%. After federal income tax: $75,130.

Single filer, standard deduction only

Gross incomeFederal taxEffective rate
$40,000$2,6206.6%Open
$60,000$5,0208.4%Open
$85,000$9,87011.6%Open
$120,000$17,57014.6%Open
$200,000$36,73418.4%Open

Assumptions and limits

  • Federal income tax only: state income tax, Social Security, and Medicare are not included.
  • Assumes the standard deduction. Itemized deductions and most credits must be entered manually.

Frequently asked questions

Does this calculate a tax refund?

No. Refunds depend on withholding and payments, which are not included.

Does it include state tax?

No. This calculator estimates US federal income tax only.

What is the difference between marginal and effective tax rate?

The marginal rate applies to your last dollar of income. The effective rate is total tax divided by income, which is always lower.

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