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Federal Income Tax Calculator 2026

Estimate your 2026 federal income tax with the new brackets and standard deduction, and see your marginal and effective tax rate.

Figures checked: October 2026 · Methodology and sources

Federal income tax
6,845.00
Taxable income
55,150.00
Standard deduction
16,100.00
Marginal rate
22 %
Effective rate on income
9.1 %

Before credits (child tax credit, earned income credit) and without itemized deductions. An estimate, not tax advice.

How federal income tax works

The United States taxes income in brackets. You do not pay your top rate on everything you earn: each rate applies only to the slice of income that falls inside its bracket. Moving into a higher bracket never makes you take home less overall.

For 2026 the IRS kept seven rates: 10 %, 12 %, 22 %, 24 %, 32 %, 35 % and 37 %. The standard deduction is $16,100 for single filers, $24,150 for heads of household and $32,200 for married couples filing jointly. Taxable income is your income minus that deduction and any pre-tax contributions, such as a traditional 401(k).

Enter your income and filing status to see:

  • Your taxable income after the standard deduction.
  • Your federal income tax, bracket by bracket.
  • Your marginal rate: the rate on your next dollar of income.
  • Your effective rate: total tax divided by your income.

The calculator does not include tax credits, itemized deductions, capital gains or state taxes. It is a quick way to see where your money goes, not a replacement for your tax return.

Frequently asked questions

What is the difference between marginal and effective tax rate?

Your marginal rate is the rate on the last dollar you earn, which matters for a raise or extra hours. Your effective rate is your total tax divided by your income. It is always lower, because part of your income is taxed at 10 % and 12 % and part is covered by the standard deduction.

Will a raise push me into a higher bracket and cost me money?

No. Only the dollars above the bracket threshold are taxed at the higher rate. Everything below it is taxed exactly as before, so a raise always leaves you with more after federal income tax.

Should I take the standard deduction or itemize?

Take whichever is bigger. Most people take the standard deduction. Itemizing only helps if your mortgage interest, state and local taxes, charitable gifts and other allowed deductions add up to more than the standard amount for your filing status.

Indicative results. This is not financial advice.

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