This estimates your 2026 US federal income tax only — it does not include state income tax, which varies widely (some states have none at all), or FICA/payroll taxes. Enter your gross annual income and filing status to see your estimated federal tax, effective rate, and marginal bracket.
US Federal Income Tax Calculator
LiveHow US federal tax brackets work
The US uses a progressive system: each dollar of your taxable income is taxed at the rate for the bracket it falls into, not your whole income at your top rate. Your taxable income is your gross income minus the standard deduction (or itemized deductions, if higher).
2026 brackets — Single filers (standard deduction: $16,100)
| Rate | Taxable income |
|---|---|
| 10% | $0 – $12,400 |
| 12% | $12,400 – $50,400 |
| 22% | $50,400 – $105,700 |
| 24% | $105,700 – $201,775 |
| 32% | $201,775 – $256,225 |
| 35% | $256,225 – $640,600 |
| 37% | above $640,600 |
A single filer earning $80,000: taxable income = $80,000 − $16,100 = $63,900. That's taxed as 10% on the first $12,400, 12% on the next chunk up to $50,400, and 22% on the remainder up to $63,900 — total ≈ $8,770, an effective rate of about 11.0%, even though the marginal (top) bracket is 22%.
Step-by-step guide
- Choose your filing status. The deduction field updates automatically.
- Enter your gross annual income.
- Adjust the deduction if you itemize instead of taking the standard deduction.
- Read your estimated tax, effective rate, and marginal bracket.
Common mistakes
Frequently asked questions
Does this include state income tax?
No. This is federal tax only. State income tax rules vary enormously — several states (like Texas and Florida) have no state income tax at all, while others have their own bracket systems on top of the federal amount shown here.
Does this include FICA (Social Security and Medicare)?
No — FICA payroll taxes (6.2% Social Security up to an annual wage cap, plus 1.45% Medicare) are separate from federal income tax and aren't included in this estimate.
Is this exactly what I'll owe when I file?
This is an estimate based on the 2026 standard deduction and bracket thresholds, and doesn't account for tax credits (like the Child Tax Credit), additional income types, or itemized deductions beyond what you enter. For an exact figure, use IRS-approved tax software or consult a tax professional.
I'm outside the US — is there a version for my country?
This calculator only models the US federal system. Income tax structures differ significantly by country, so for anywhere outside the US, check your national tax authority's own calculator or guidance.
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