2026 Tax Calculator: See Exactly What You’ll Pay

Free federal income tax calculator with detailed breakdown by bracket. Enter your income below and get instant results with your effective tax rate.

💰 Calculate Your 2026 Federal Tax

Total wages, salary, and self-employment income before taxes
IRA contributions ($7,000 max), student loan interest ($2,500 max), HSA contributions, etc.
Your 2026 Federal Income Tax:
$0
Effective rate: 0%
💵 Gross Income $0
➖ Standard Deduction $0
➖ Additional Deductions $0
📊 Taxable Income $0
📈 How Your Tax Was Calculated

What’s Next?

Now that you know what you’ll pay, choose what you want to learn:

📚
How Was This Calculated?
Learn the 5-step process to calculate taxes yourself
→ 💰
How Can I Pay Less?
Discover legal strategies to reduce your tax bill
→

💡 Pro Tip: This calculator uses the 2026 standard deduction ($15,000 single, $30,000 married) and applies the progressive tax bracket system. Your actual tax may vary based on credits (Child Tax Credit, EITC, etc.) and other factors. Use this as an estimate for planning purposes.

Frequently Asked Questions

Is this 2026 tax calculator accurate?

Yes, this calculator uses the official 2026 IRS tax brackets and standard deduction amounts. It calculates federal income tax using the progressive bracket system. However, your actual tax may vary based on tax credits (Child Tax Credit, EITC, etc.), itemized deductions, or other factors not included in this basic calculator.

What is the difference between marginal and effective tax rate?

Your marginal tax rate is your top tax bracket (the rate on your last dollar of income). Your effective tax rate is your total tax divided by your total income. For example, if you’re in the 22% bracket but pay $9,000 on $75,000 income, your effective rate is only 12%. Our calculator shows both rates.

What additional deductions can I enter in the calculator?

You can enter above-the-line deductions like Traditional IRA contributions (up to $7,000), student loan interest (up to $2,500), HSA contributions ($4,300 individual/$8,550 family), self-employment tax deduction, and self-employed health insurance premiums. These reduce your taxable income before the standard deduction is applied.

Does this calculator include state taxes?

No, this calculator only computes federal income tax. State income taxes vary by state, with rates ranging from 0% (states like Florida, Texas, Washington) to over 13% (California). You’ll need to calculate state taxes separately based on your state’s tax brackets and rules.