Income Tax Calculator
Estimate your federal income tax for 2026 based on current tax brackets. See your marginal rate, effective rate, and tax by bracket.
Federal Income Tax
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Taxable Income
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Deduction Applied
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Marginal Tax Rate
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Effective Tax Rate
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After-Tax Income
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Monthly After-Tax
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Tax by Bracket
How to Use the Income Tax Calculator
- Enter gross income: Your total annual income from all sources.
- Select filing status: Choose your federal tax filing status.
- Choose deduction type: Use standard deduction or enter itemized deductions.
- Add other deductions: Enter any above-the-line deductions (401k, IRA, student loan interest, etc.).
- View results: See your tax liability, rates, and bracket-by-bracket breakdown.
2026 Federal Tax Brackets
| Rate | Single | Married Filing Jointly | Head of Household |
|---|---|---|---|
| 10% | $0 - $11,925 | $0 - $23,850 | $0 - $17,000 |
| 12% | $11,926 - $48,475 | $23,851 - $96,950 | $17,001 - $64,850 |
| 22% | $48,476 - $103,350 | $96,951 - $206,700 | $64,851 - $103,350 |
| 24% | $103,351 - $197,300 | $206,701 - $394,600 | $103,351 - $197,300 |
| 32% | $197,301 - $250,525 | $394,601 - $501,050 | $197,301 - $250,500 |
| 35% | $250,526 - $626,350 | $501,051 - $751,600 | $250,501 - $626,350 |
| 37% | Over $626,350 | Over $751,600 | Over $626,350 |
2026 Standard Deductions
| Filing Status | Standard Deduction |
|---|---|
| Single | $15,700 |
| Married Filing Jointly | $31,400 |
| Head of Household | $23,500 |
Frequently Asked Questions
What is the difference between marginal and effective tax rate?
Your marginal tax rate is the rate applied to your last dollar of income (your highest bracket). Your effective tax rate is the average rate you pay across all your income. For example, if you earn $100,000 as a single filer, your marginal rate is 22%, but your effective rate is around 15% because lower portions of your income are taxed at 10% and 12%.
Should I take the standard deduction or itemize?
Take whichever is larger. Itemize only if your total itemized deductions (mortgage interest, state/local taxes up to $10,000, charitable contributions, etc.) exceed the standard deduction for your filing status. After the 2017 tax reform nearly doubled the standard deduction, most taxpayers benefit from the standard deduction.
Does this include state taxes?
No, this calculator estimates federal income tax only. State income tax rates vary widely (0-13.3%) and are calculated separately. Your total income tax burden is the sum of federal, state, and any local income taxes.