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US federal tax calculator (2026)

Enter your wages and filing status to see your 2026 federal income tax bracket by bracket, Social Security and Medicare, an optional state tax estimate and your take-home pay per year, month and paycheck — using the IRS 2026 figures under current law.

1Your income

Your gross yearly pay before any deductions (salary, bonus, tips).

Optional. Interest, side income and other income taxed at ordinary rates. Leave out capital gains and qualified dividends.

Optional. Traditional (not Roth) contributions lower your income tax but not Social Security or Medicare.

2Deductions
3State income tax (estimate)
%

Optional. A flat estimate — states range from 0% (Texas, Florida…) to over 10%, each with its own rules.

Your results

Your results appear here

Type your measurements in the empty boxes. Still needed:

  • Wages per year ($)
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  • PDF & CSV

How do I calculate my federal income tax?

  1. 1Choose your filing status and enter your yearly wages and any other income.
  2. 2Add pre-tax 401(k) contributions, and pick the standard deduction or enter your itemized deductions.
  3. 3Say whether anyone is 65 or over, and add a state tax estimate if you like.
  4. 4Read your federal tax, FICA and take-home pay, with the bracket-by-bracket table.

Federal tax brackets and standard deduction for 2026

  1. 01AGI = wages + other income − pre-tax 401(k)
  2. 02Taxable income = AGI − standard deduction ($16,100 single / MFS, $32,200 joint, $24,150 head of household) − senior deduction
  3. 0365+: extra standard deduction $2,050 (single, HoH) or $1,650 (married) each, plus up to $6,000 each, reduced by 6% of income over $75,000 ($150,000 joint)
  4. 04Brackets (single): 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
  5. 05Social Security 6.2% of wages up to $184,500 · Medicare 1.45% + 0.9% over $200,000 ($250,000 joint, $125,000 separate)

The US taxes income in brackets: each rate applies only to the part of your taxable income inside that bracket. Your bracket (marginal rate) is therefore much higher than your effective rate — the share of your income that actually goes to federal tax.

The One Big Beautiful Bill Act of July 2025 made the seven brackets permanent, raised the standard deduction and added a $6,000 deduction for people 65 and over for 2025 to 2028. The 2026 numbers here come from IRS Revenue Procedure 2025-32.

Payroll taxes (FICA) are separate: 6.2% Social Security up to the yearly wage base and 1.45% Medicare on all wages, plus 0.9% above $200,000. State income tax depends on where you live, so this calculator only adds the flat percentage you enter.

Federal income tax example for 2026

A single filer earning 85,000 in 2026 has taxable income of 68,900 after the standard deduction and pays 9,870 in federal income tax.

With Social Security (5,270) and Medicare (1,232.5), take-home pay is 68,627.5 a year, about 5,718.96 a month.

Good to know

  • Your tax bracket is not your tax rate — only the dollars inside each bracket pay that rate.
  • Traditional 401(k) contributions lower your income tax now; Roth contributions don't, but come out tax-free later.
  • Itemize only if your deductions beat the standard deduction — most people take the standard one.
  • Check your withholding with the IRS Tax Withholding Estimator after a raise, a new job or a new child.

US federal tax — common questions

What is the standard deduction for 2026?

$16,100 for single filers and married filing separately, $32,200 for married filing jointly and $24,150 for heads of household. People 65 or over add $2,050 (single, HoH) or $1,650 (married) each.

What are the 2026 federal tax brackets?

Seven rates — 10%, 12%, 22%, 24%, 32%, 35% and 37%. For single filers the 12% bracket starts at $12,400, 22% at $50,400, 24% at $105,700, 32% at $201,775, 35% at $256,225 and 37% at $640,600 of taxable income.

How much federal tax do I pay on $75,000?

As a single filer in 2026: taxable income $75,000 − $16,100 = $58,900. Tax = 10% of $12,400 + 12% of $38,000 + 22% of $8,500 = $7,670, before credits. Social Security and Medicare add $5,737.50.

What is the $6,000 senior deduction?

From 2025 to 2028, each person aged 65 or over can deduct an extra $6,000, whether or not they itemize. It shrinks by 6% of income above $75,000 ($150,000 for joint returns) and is not available when married filing separately.

How much is Social Security and Medicare tax?

Employees pay 6.2% Social Security on wages up to $184,500 in 2026 (at most $11,439) and 1.45% Medicare on all wages, plus 0.9% Additional Medicare above $200,000 ($250,000 joint).

Sources

Formulas last reviewed: September 30, 2026 ·How we check our formulas

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