๐๏ธ Federal Income Tax Calculator
2026 Tax Year โ IRS Official Brackets
How to Use This Calculator
Calculate your 2026 federal tax in under 60 seconds.
Enter Gross Annual Income
Total income before deductions โ wages, freelance, investments, etc.
Select Filing Status
Single, Married Jointly, Married Separately, or Head of Household.
Choose Deductions
Use standard ($16,100 single / $32,200 MFJ) or enter itemized deductions.
Add Withheld Tax & Credits (Optional)
Enter W-2 Box 2 amount and credits to see refund vs. amount owed.
Click Calculate
See tax, effective rate, bracket breakdown, and refund instantly.
Federal Tax Formula
The US uses a progressive tax system โ different rates on different income portions.
Federal Tax = ฮฃ (bracket taxable ร bracket rate)
Effective Rate = Total Tax รท Gross Income ร 100
Refund = Withheld โ (Tax โ Credits)
2026 Tax Brackets โ Single Filer
| Rate | Income Range |
|---|---|
| 10% | $0 โ $11,600 |
| 12% | $11,600 โ $47,150 |
| 22% | $47,150 โ $100,525 |
| 24% | $100,525 โ $191,950 |
| 32% | $191,950 โ $243,725 |
| 35% | $243,725 โ $609,350 |
| 37% | $609,350+ |
Worked Example โ $75,000 Income (Single)
Gross Income: $75,000 | Deduction: โ$16,100 | Taxable: $60,400
10% ร $11,600 = $1,160 + 12% ร $35,550 = $4,266 + 22% ร $13,250 = $2,915
Total Federal Tax: $8,341 | Effective Rate: 11.1%
Frequently Asked Questions
Marginal rate = rate on your last dollar. Effective rate = total tax รท total income. Effective is always lower in a progressive system.
Take whichever is higher. Standard deduction 2026: $16,100 (single), $32,200 (MFJ). If mortgage interest + SALT + charity exceeds this, itemize.
No โ this is federal income tax only. Use our Paycheck Calculator for FICA taxes too.
April 15, 2025. Extensions to October 15, 2025 are available but taxes owed are still due April 15.