Federal Income Tax Calculator
Enter your income and filing status to estimate your 2026 federal income tax, with the tax in each bracket.
Result
- Taxable income
- $58,900
- Standard deduction used
- $16,100
- Marginal tax rate
- 22%
- Effective tax rate
- 10.23%
- 2026 federal rates and the standard deduction. This ignores credits, itemized deductions, other income types, state tax and self-employment tax.
| Taxable income | In bracket | Rate | Tax |
|---|---|---|---|
| $0 to $12,400 | $12,400 | 10% | $1,240 |
| $12,400 to $50,400 | $38,000 | 12% | $4,560 |
| $50,400 to $58,900 | $8,500 | 22% | $1,870 |
How to use Federal Income Tax Calculator
- Enter your annual income before tax.
- Choose your filing status.
- Add any pre-tax deductions such as 401(k) contributions.
- Read your tax, marginal rate, effective rate and the bracket table.
About this tool
US federal income tax is progressive: each rate applies only to the slice of taxable income inside its bracket. Taxable income is your income minus pre-tax deductions and the standard deduction. For 2026 the standard deduction is $16,100 for single filers, $32,200 for married couples filing jointly and $24,150 for heads of household.
Your marginal rate is the rate on your last dollar of income, and your effective rate is your total tax divided by your income. The effective rate is always lower. This estimate ignores credits, itemized deductions, capital gains and state tax.
How it is calculated
Taxable income = income − pre-tax deductions − standard deduction.
Single 2026: 10% to $12,400; 12% to $50,400; 22% to $105,700; 24% to $201,775; 32% to $256,225; 35% to $640,600; 37% above.
Worked examples
- $75,000, single: taxable $58,900, federal tax $7,670, marginal rate 22%.
- $120,000, married filing jointly: taxable $87,800, federal tax $10,040.
Tips for better results
- Contributing to a 401(k) or HSA lowers your taxable income.
- Tax credits, such as the child tax credit, reduce the final bill and are not included here.
- Use the paycheck calculator to see take-home pay.
Frequently asked questions
What are the 2026 federal tax brackets?
Seven rates from 10% to 37%. For single filers the 10% bracket runs to $12,400 and the 37% bracket starts above $640,600 of taxable income.
What is the 2026 standard deduction?
$16,100 for single filers, $32,200 for married filing jointly and $24,150 for head of household.
What is the difference between marginal and effective rate?
The marginal rate is the rate on your last dollar. The effective rate is total tax divided by total income.
Is this tax advice?
No. It is an estimate. Check the IRS or a tax professional for your own return.
Are my numbers saved or sent anywhere?
No. The calculation runs in your browser on your own device. Nothing you type is sent to Paul Digital or any other server.
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Privacy
The calculation runs in your browser on your own device. The numbers you type are not sent to Paul Digital or any other server. Results are estimates from the numbers you enter and are not financial, tax or legal advice.