Free online calculator
Income Tax Calculator (USA)
Estimate your 2026 federal income tax, effective rate and take-home pay using the official IRS tax brackets.
Free, private and instant. Nothing you enter leaves your device.
Wages, salary, bonuses and other taxable income for the year.
Traditional 401(k), HSA, and similar amounts taken out of pay before tax.
For example the Child Tax Credit. Subtracted from your tax, down to zero.
How the calculator works
The US uses progressive tax brackets. You do not pay one rate on all your income. Each slice of your taxable income is taxed at the rate for its bracket, and only the part of your income inside a bracket is taxed at that bracket’s rate.
- Your pre-tax deductions are subtracted from your total income.
- The standard deduction (or your itemized total) is subtracted to get your taxable income.
- Each slice of taxable income is taxed at its bracket’s rate and the slices are added together.
- Any tax credits you enter are subtracted from the result.
Solved example
Single filer, $85,000 income, standard deduction
Taxable income: $85,000 − $16,100 = $68,900.
10% bracket: $12,400 × 10% = $1,240.
12% bracket: ($50,400 − $12,400) × 12% = $4,560.
22% bracket: ($68,900 − $50,400) × 22% = $4,070.
Total federal income tax: $9,870, an effective rate of about 11.6% of income.
2026 standard deduction
- Single or married filing separately: $16,100
- Married filing jointly: $32,200
- Head of household: $24,150
- Extra for age 65+ or blind: $2,050 (single or head of household) or $1,650 per person (married)
What this calculator does not include
- Social Security and Medicare (FICA) payroll taxes
- State and local income taxes
- Self-employment tax, capital gains rates, and the alternative minimum tax
- Other deductions and credits you may qualify for, such as the senior deduction or the Earned Income Tax Credit
Frequently asked questions
Which tax year is this?
Tax year 2026, which covers income earned from January 1 to December 31, 2026. You file that return in 2027.
What is the difference between marginal and effective tax rate?
Your marginal rate is the rate on your last dollar of taxable income. Your effective rate is your total tax divided by your total income, which is always lower.
Is my data saved?
No. The calculation runs in your browser and nothing is sent to a server.
Important limitations
This tool gives an estimate for education only. It is not tax, legal or financial advice. Your actual tax depends on details not covered here. For your real return, use IRS guidance, tax software, or a qualified tax professional.