Federal Only
State, city, and local income taxes are not calculated. Canada and payroll withholding are also outside this annual income-tax estimate.
Calculator
2026 Federal Income Tax Calculator
Use this income tax calculator to estimate your 2026 US federal income tax. Enter your wages and other ordinary income, deductions, credits and federal withholding to see your estimated tax, your marginal and effective tax rates, your bracket breakdown and whether you may get a refund or owe a balance.
This is a federal estimate only. It does not include state or local tax, capital gains, qualified dividends, AMT or self-employment tax, and it does not prepare a tax return.
Trust and methodology
How This Calculator Is Reviewed
- Calculation type
- 2026 US federal individual income-tax estimate
- Jurisdiction
- United States federal only
- Applicable rule year
- 2026
- Last reviewed
- 2026-08-04
This is an educational 2026 US federal income-tax estimate from user-entered ordinary-income assumptions, not tax, legal, financial, accounting, payroll, or return-preparation advice.
Primary Sources
- IRS releases tax inflation adjustments for tax year 2026, including amendments from the One Big Beautiful BillInternal Revenue Service - United States federal - 2026Supports 2026 federal standard deductions, ordinary-income bracket thresholds, and tax-year context.
- Internal Revenue Bulletin: 2025-45Internal Revenue Service - United States federal - 2026Provides the official 2026 inflation-adjusted federal tax amounts used in the estimate.
- Federal income tax rates and bracketsInternal Revenue Service - United States federalSupports progressive federal ordinary-income bracket context.
- Credits and deductionsInternal Revenue Service - United States federalExplains credit and deduction eligibility rules that this estimator does not determine.
Known Limitations
- State, local, city, foreign, and Canada income taxes are not included.
- Capital gains, qualified dividends, net investment income tax, alternative minimum tax, and self-employment tax are excluded.
- Payroll withholding calculation, employer payroll taxes, penalties, interest, and estimated-payment safe harbors are not included.
- Named credit eligibility, credit phaseouts, filing-status eligibility, dependent rules, age or blindness additions, and detailed itemized deduction rules are not determined.
- This calculator does not prepare, file, or review tax returns.
Found a calculation issue, outdated source, accessibility problem, or unclear assumption? Contact us.
Enter Federal Tax Details
Defaults are examples only, not recommendations. Enter annual amounts in dollars.
Methodology
How This Income Tax Estimate Works
The calculator treats supported income fields as ordinary taxable income, subtracts user-entered above-the-line deductions, applies the selected deduction method, and uses 2026 federal ordinary-income brackets for the selected filing status.
Nonrefundable credits can reduce estimated tax to zero but not below zero. Refundable credits and federal withholding or estimated payments then affect the estimated balance due or refund. The calculator does not prepare a tax return or determine eligibility for filing statuses, deductions, or credits.
Ordinary Income
Wages, taxable interest, ordinary dividends, taxable retirement income, and other entered income are treated as ordinary income.
Rule Version
Methodology version us-federal-income-tax-2026-v1.
2026 Federal Tax Brackets Used in This Calculator
The calculator applies the 2026 ordinary income tax brackets published by the IRS. Each rate applies only to the income within its band.
Single
| Rate | Taxable income |
|---|---|
| 10% | Up to $12,400 |
| 12% | $12,401 to $50,400 |
| 22% | $50,401 to $105,700 |
| 24% | $105,701 to $201,775 |
| 32% | $201,776 to $256,225 |
| 35% | $256,226 to $640,600 |
| 37% | Over $640,600 |
Married Filing Jointly
| Rate | Taxable income |
|---|---|
| 10% | Up to $24,800 |
| 12% | $24,801 to $100,800 |
| 22% | $100,801 to $211,400 |
| 24% | $211,401 to $403,550 |
| 32% | $403,551 to $512,450 |
| 35% | $512,451 to $768,700 |
| 37% | Over $768,700 |
Ranges are shown for whole-dollar taxable incomes; rates apply continuously over the underlying thresholds, including cents.
The 2026 standard deduction is $16,100 for single filers and $32,200 for married couples filing jointly. For head of household, married filing separately and a full explanation with examples, see our 2026 federal tax brackets guide.
Worked Examples
Single Filer, Standard Deduction
A single filer with $60,000 of wages and the 2026 standard deduction has $43,900 of taxable income in this example.
- Federal income tax
- $5,020.00
- Marginal rate
- 12%
- Effective rate
- 8.366667%
Withholding Comparison
With the same $5,020.00 estimated federal tax, $5,000.00 of federal withholding leaves an estimated $20.00 balance due. $7,000.00 of withholding produces an estimated $1,980.00 refund.
- Balance due example
- $20.00
- Refund example
- $1,980.00
Credits and Withholding
In this credits example, $1,000.00 of nonrefundable credits, $2,000.00 of refundable credits, and $3,000.00 of withholding produce an estimated $980.00 refund.
Because the calculator compares your estimated tax with what you have already paid, it also works as a simple federal tax refund estimator.
- Estimated tax after credits
- $2,020.00
- Estimated refund
- $980.00
Scope and Limitations
- Only tax year 2026 United States federal ordinary-income calculations are supported.
- State, city, local, foreign, and Canada income taxes are excluded.
- Capital gains, qualified dividends, AMT, NIIT, self-employment tax, payroll withholding, penalties, and interest are excluded.
- Filing-status eligibility, dependent rules, age or blindness additions, detailed itemized deductions, and named credit eligibility are not determined.
- Results are estimates and are not tax, legal, financial, accounting, or return-preparation advice.
Income Tax Calculator FAQ
What does this income tax calculator include?
It estimates 2026 United States federal individual income tax using ordinary income, the selected filing status, the 2026 standard deduction or one user-entered itemized total, user-entered credits, and user-entered federal withholding or payments.
Does it include state or local income tax?
No. State, city, county, and local income taxes are not included in this estimate. The result is federal only.
Does it calculate capital gains or qualified dividends?
No. All supported income fields are treated as ordinary income. Capital gains, qualified dividends, net investment income tax, and special investment rules are excluded.
How do deductions work?
You can use the 2026 standard deduction, enter one itemized deduction total, or let the calculator use the larger of those two values. It does not determine whether specific deductions are allowed.
How do credits work?
You can enter total nonrefundable credits and total refundable credits. The calculator applies those totals mathematically, but it does not determine eligibility, phaseouts, or named credit rules.
Is the result my final tax return or refund?
No. The result is an educational estimate. A real return can depend on forms, eligibility, special income, deductions, credits, payments, penalties, and rules outside this calculator.
Why does withholding change balance due or refund?
Federal withholding and estimated payments are compared with the estimated federal tax after credits. More entered payments can move the estimate from balance due to refund.
Does this calculate paycheck withholding?
No. This is an annual federal income tax estimator. Use the Salary / Take-Home Pay Calculator for federal payroll withholding estimates.
What tax year is supported?
The calculator supports tax year 2026 using the 2026 federal ordinary-income bracket and standard-deduction rules.
Does it support Canada?
No. Canada federal, provincial, CPP, CPP2, EI, and payroll calculations are not included in this US federal calculator.
What tax bracket am I in for 2026?
Your bracket depends on your taxable income and filing status. For example, a single filer with $43,900 of taxable income is in the 12% bracket for 2026. Enter your details and the calculator shows your marginal rate and a full bracket breakdown.
What is the 2026 standard deduction?
For 2026 the standard deduction is $16,100 for single filers and $32,200 for married couples filing jointly. Choose 'Use larger of standard or itemized' and the calculator applies whichever is higher.
What is the difference between my marginal and effective tax rate?
Your marginal rate is the rate on your last dollar of taxable income. In this calculator, your effective federal rate is estimated federal tax after nonrefundable and refundable credits divided by total ordinary income. It is generally lower than the marginal rate, but not always strictly lower; both can be zero, and refundable credits can make the effective rate negative. Withholding affects the refund or balance due, not this rate.
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This calculator provides a 2026 United States federal income-tax estimate from user-entered ordinary-income assumptions. It is not tax, legal, financial, accounting, payroll, or return-preparation advice. Read the full disclaimer.