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).