Federal Income
Tax Calculator
Estimate your 2026 US federal income tax using the latest IRS-adjusted brackets. Results filed on Tax Day 2027.
This calculator covers federal income tax only and is for estimation purposes.
It does not include FICA (Social Security & Medicare), state taxes, AMT, capital gains, or all credits.
Brackets sourced from IRS Revenue Procedure 2025-32 & the One Big Beautiful Bill Act (2025).
Always consult a qualified tax professional for your specific situation.
“Note: This calculator provides estimated tax liabilities for educational and planning purposes only. It does not constitute official tax, legal, or accounting advice. Always consult a certified public accountant (CPA) or tax professional for guidance on your specific situation.”
2026 Federal Income Tax Brackets – Single Filer
| axable Income | Tax Rate |
|---|---|
| $0 – $11,925 | 10% |
| $11,926 – $48,475 | 12% |
| $48,476 – $103,350 | 22% |
| $103,351 – $197,300 | 24% |
| $197,301 – $250,525 | 32% |
| $250,526 – $626,350 | 35% |
| Over $626,350 | 37% |
2026 Standard Deduction
| Filing Status | Standard Deduction |
|---|---|
| Single | $15,000 |
| Married Filing Jointly | $30,000 |
| Head of Household | $22,500 |
Tax Calculation Example: $75,000 Salary, Single
| Item | Amount |
|---|---|
| Gross Income | $75,000 |
| Standard Deduction | -$15,000 |
| Taxable Income | $60,000 |
| 10% on first $11,925 | $1,193 |
| 12% on $11,926–$48,475 | $4,386 |
| 22% on $48,476–$60,000 | $2,535 |
| Total Federal Tax | $8,114 |
| Effective Tax Rate | 10.8% |
Top 8 Ways to Reduce Your Tax Bill
- Maximize 401(k) contributions ($23,500 limit in 2026)
- Contribute to a Traditional IRA ($7,000 limit)
- Use a Health Savings Account (HSA) – triple tax advantage
- Claim all eligible deductions (mortgage interest, student loan interest, charitable donations)
- Harvest investment losses to offset capital gains
- Claim the Child Tax Credit ($2,000 per qualifying child)
- Deduct home office expenses if self-employed
- Adjust W-4 withholding so you stop over-withholding
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Frequently Asked Questions
$15,000 for single filers and $30,000 for married filing jointly. The standard deduction is subtracted from your gross income before calculating taxes — you don’t need to itemize individual expenses to take it.
Generally not — if income is below your standard deduction, you owe no federal tax. But you may want to file anyway to claim a refund of withheld taxes or receive the Earned Income Tax Credit.
April 15, 2027 for 2026 tax year returns (unless it falls on a weekend). A 6-month extension to October is available, but taxes owed are still due by April to avoid penalties and interest.
Not really — a large refund means you over-withheld and gave the government an interest-free loan all year. Aim to break even. Adjust your W-4 at work to keep more money in each paycheck.
A deduction reduces taxable income; in the 22% bracket, a $1,000 deduction saves $220. A credit reduces your tax bill dollar-for-dollar — a $1,000 credit saves exactly $1,000. Credits are almost always more valuable.