US Federal Income Tax Calculator 2026
Estimate your 2026 federal income tax and take-home pay from IRS brackets.
- Free
- Instant result
- Private · on-device
- No sign-up
How to use: Choose filing status, enter yearly income and any extra deductions beyond the standard deduction. Tax and take-home update instantly.
How to use the US Federal Income Tax Calculator
Start with your expected filing status for tax year 2026: single, married filing jointly, married filing separately, or head of household. That choice sets both the IRS ordinary-income brackets and the standard deduction the calculator applies.
Enter your projected yearly taxable wages or ordinary income before deductions. Add any itemized deductions only if they clearly exceed the standard deduction; otherwise leave extra deductions at zero and keep the standard-deduction box checked so the estimate stays realistic.
The tool subtracts the deduction, stacks the remainder through the 2026 federal brackets (10% through 37%), and shows estimated federal tax, take-home before FICA and state tax, a monthly slice, taxable income, and your average federal rate.
Treat the result as an educational planning number, not a tax-return figure. It omits Social Security and Medicare (FICA), state and local tax, credits such as the Child Tax Credit, AMT, and preferential rates on long-term capital gains or qualified dividends. Confirm brackets and your situation with IRS publications or a tax professional before filing.
Use the estimate when comparing job offers, adjusting W-4 withholding, or sizing retirement contributions. Pair it with our salary and 401(k) tools for a fuller paycheck picture, and re-run when income or filing status changes mid-year.
Frequently asked questions
What is the 2026 standard deduction?
About $16,100 single / married filing separately, $32,200 joint, and $24,150 head of household (IRS TY 2026).
Does this include Social Security and Medicare?
No. FICA is separate from federal income tax. Your paycheck withholding will also include those.
Does it include state tax?
No. Add your state estimator for a full picture.
Is this official IRS software?
No. It is a free educational estimate using published bracket tables.