US Federal Income Tax Calculator
Choose the tax year and your filing status, enter your total income, and see your federal income tax, your taxable income, your effective rate and your marginal rate. A table shows how much of your income falls in each bracket and what each bracket costs. You can add adjustments such as pre-tax retirement contributions, use the standard deduction or enter your own itemized total, and add the extra standard deduction for age 65 or blindness. Everything runs in your browser.
How the tax adds up, bracket by bracket
| Rate | Taxable income in the bracket | Income taxed | Tax |
|---|---|---|---|
| 10% | 0 to 12,400 | 12,400.00 | 1,240.00 |
| 12% | 12,400 to 50,400 | 38,000.00 | 4,560.00 |
| 22% | 50,400 to 105,700 | 8,500.00 | 1,870.00 |
| 24% | 105,700 to 201,775 | 0.00 | 0.00 |
| 32% | 201,775 to 256,225 | 0.00 | 0.00 |
| 35% | 256,225 to 640,600 | 0.00 | 0.00 |
| 37% | 640,600 to no limit | 0.00 | 0.00 |
About 639 a month before credits. This is the income tax only: Social Security and Medicare tax on wages, and any state tax, come on top.
An estimate of US federal income tax on ordinary income, such as wages. It does not include tax credits (such as the child tax credit), state or local tax, the alternative minimum tax, the qualified business income deduction, lower rates on capital gains, or the newer deductions for seniors, tips and overtime. It is not tax advice. Check the figures against the IRS tables for your own return.
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Math & MoneyAbout the US Federal Income Tax Calculator
The calculator follows the way a US federal return works for ordinary income. It subtracts your adjustments from your total income, subtracts the standard deduction or your itemized total, and applies the progressive tax brackets to what is left, so each rate applies only to the slice of income inside its bracket. The 2026 figures come from IRS Revenue Procedure 2025-32, and the 2025 figures from Revenue Procedure 2024-40 with the standard deductions raised by the One, Big, Beautiful Bill Act, as Revenue Procedure 2025-32 explains. For 2026 the standard deduction is 16,100 for a single filer, 32,200 for married filing jointly and 24,150 for head of household, and the extra amount for age 65 or blindness is 1,650 per person, or 2,050 if unmarried. For example, a single filer with 75,000 of income in 2026 has 58,900 of taxable income and owes 7,670, an effective rate of 10.23% and a marginal rate of 22%. We checked the code against the base amounts and rates printed in the IRS tables on 20,000 whole-dollar taxable incomes across both years and all four filing statuses, and the tax matched every time. The tool is an estimate. It does not include tax credits such as the child tax credit, state or local income tax, the alternative minimum tax, the qualified business income deduction, lower rates on long-term capital gains, or the newer deductions for seniors, tips and overtime, and it treats all income as ordinary income. It is not tax advice, so check your own return against the IRS instructions. Everything runs in your browser and nothing is uploaded.
How are US tax brackets calculated?▾
Brackets are progressive. Each rate applies only to the part of your taxable income inside its bracket. A single filer in 2026 with 58,900 of taxable income pays 10% on the first 12,400, 12% on the next 38,000 and 22% on the remaining 8,500, which is 7,670 in total.
What is the difference between the marginal and the effective rate?▾
The marginal rate is the rate on your next dollar, the rate of the highest bracket you reach. The effective rate is your total tax divided by your total income. The effective rate is always lower, because the lower brackets taxed part of your income at lower rates.
What is the standard deduction for 2026?▾
The IRS sets it at 16,100 for single filers and married people filing separately, 32,200 for married filing jointly and 24,150 for heads of household. People who are 65 or older, or blind, get an extra 1,650 each, or 2,050 if unmarried.
Does this include state tax, credits or Social Security tax?▾
No. It estimates federal income tax on ordinary income only. Credits such as the child tax credit, state and local tax, the alternative minimum tax, and Social Security and Medicare tax are not included. Use the self-employment tax calculator for the self-employed part.
Is this tax advice?▾
No. It is an estimate for planning. Your actual tax depends on your whole return, including items this tool does not cover. Check the IRS instructions or a tax professional before you file or make a decision.