2026 Federal Income Tax Estimator
Estimate your 2026 federal income tax with the official IRS brackets and standard deductions (Single / MFJ / Head of Household), including pre-tax 401(k) and HSA savings.
What this calculator does
- 100% free, no signup — calculations run instantly in your browser.
- Results include a plain-English interpretation of what the numbers mean for your situation.
- All math happens locally — your data never leaves your device.
Income & Deductions
2026 Federal Income Tax Estimate
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
- Enter your annual gross income and filing status (Single, MFJ, or Head of Household).
- Add your pre-tax 401(k)/403(b) and HSA contributions for the year.
- 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:
Frequently Asked Questions
What are the 2026 federal tax brackets?
What is the 2026 standard deduction?
Does the estimator include FICA and state tax?
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Data sources & methodology
- Standard formulas Amortization, compound interest, and retirement projection equations per finance practice.
- Public reference rates Savings/investment assumptions stated as planning estimates; no live market rates.
- Internal editorial Calculators reviewed by the AllMoneyCalc editorial team before publication.
Methodology and citations are maintained by the AllMoneyCalc editorial team. Where an official schedule is not yet loaded, results are shown as model estimates and the source is stated as a reference.