2026 Federal Income Tax Estimator

How this calculation works

The 2026 brackets reflect IRS Rev. Proc. 2025-32, issued under the One Big Beautiful Bill Act (P.L. 119-21), which permanently extends the Tax Cuts and Jobs Act individual rates. The standard deduction rose to $16,100 (single), $32,200 (MFJ), and $24,150 (HOH).

Taxable income is your gross income minus pre-tax deferrals (401(k), HSA, FSA) and either the standard deduction or itemized deductions. This calculator applies the standard deduction and the 2026 marginal rate schedule.

How this 2026 Federal Income Tax Estimator works — 2026 guide

The IRS raises the tax brackets and standard deduction every year, and 2026 is no exception — single filers get a $16,100 standard deduction and 10%–37% marginal brackets, while married couples filing jointly start at $32,200. This 2026 federal income tax estimator applies the official IRS rate schedule (Rev. Proc. 2025-32) to your gross income, subtracts pre-tax 401(k) and HSA contributions, and returns your estimated federal tax, effective rate, and marginal bracket. It is the fastest way to sanity-check what your W-4 withholding should produce.

How to use it in 3 steps

1. Enter your annual gross income and filing status (Single, MFJ, or Head of Household).
2. Add your pre-tax 401(k)/403(b) and HSA contributions for the year.
3. Read your estimated federal tax, effective rate, and marginal bracket — FICA and state tax are separate.

Who this is for

Employees checking whether their withholding is on track, freelancers estimating quarterly payments, and anyone planning a raise or bonus. Pair it with the [FICA & payroll tax calculator](/tools/fica-payroll-tax-calculator/) to see Social Security and Medicare, and the [take-home pay estimator](/tools/take-home-pay-estimator/) for the full paycheck picture.

Data sources & authoritative references

This calculator is built on official U.S. rules and published statistics. Key sources:

• IRS — Tax inflation adjustments for tax year 2026 (Rev. Proc. 2025-32)
• IRS Publication 15 (2026), Circular E — Employer’s Tax Guide
• IRS — Standard deduction