Federal Income Tax Calculator 2026
Estimate your 2026 federal income tax bill in seconds. Enter your gross income and filing status, and this calculator applies the 2026 IRS tax brackets and standard deduction to show your tax owed, marginal bracket, and true effective rate.
- Taxable income
- $58,900.00
- Marginal tax rate
- 22.0%
- Effective tax rate
- 10.2%
- Income after federal tax
- $67,330.00
How this calculator works
- Your gross income is reduced by pre-tax deductions and the 2026 standard deduction ($16,100.00 single, $32,200.00 married filing jointly, $24,150.00 head of household).
- The remaining taxable income flows through the progressive brackets — each slice of income is taxed at its own rate, so moving into a higher bracket never reduces your take-home pay.
- Marginal rate is the tax on your next dollar; effective rate is total tax divided by gross income and is always lower.
Tax = Σ (income in bracket × bracket rate), after deductions
Frequently asked questions
What are the 2026 federal tax brackets?
For single filers: 10% up to $12,400, 12% to $50,400, 22% to $105,700, 24% to $201,775, 32% to $256,225, 35% to $640,600, and 37% above. Married-filing-jointly thresholds are roughly double.
Does this include state tax or FICA?
No — this shows federal income tax only. Use our paycheck calculator to see the complete picture including Social Security, Medicare, and your state's income tax.
Should I use the standard deduction or itemize?
About 90% of filers take the standard deduction. Itemize only if mortgage interest, state/local taxes (capped at $40,000 in 2026), and charitable gifts together exceed your standard deduction.
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Disclaimer: Results are estimates for educational purposes only and are not tax, legal, or financial advice. Tax rules are simplified (credits, phase-outs, and local taxes may not be modeled). Verify important decisions with the IRS, your state tax authority, or a licensed professional.