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Enter your yearly income, filing status and deductions. The calculator applies the 2026 tax brackets one by one and shows your tax, your marginal rate and your effective rate.
How much federal tax will I owe?
Everything happens on your device: nothing is uploaded to the internet.
2026 brackets and standard deduction. Does not include credits (child tax credit, EITC), capital gains or state tax. This is an estimate, not tax advice.
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Federal income tax calculator: what it is for
Enter your income, filing status and deductions to estimate your 2026 federal income tax. The calculator applies the standard deduction or your itemized deductions, runs your taxable income through each 2026 bracket and shows the tax in every bracket, your marginal rate and your effective rate.
How to use
- Enter your yearly income and filing status.
- Add pre-tax and itemized deductions.
- See your tax, bracket by bracket.
When to use it
- Estimating your tax bill.
- Understanding marginal vs effective rates.
- Planning 401(k) contributions to lower taxable income.
Frequently asked questions
What is the difference between marginal and effective tax rate?
The marginal rate is the rate on your last dollar of income, the bracket you are in. The effective rate is your total tax divided by your income. Because each bracket only taxes the income inside it, the effective rate is always lower.
What is the 2026 standard deduction?
$16,100 for single filers, $32,200 for married couples filing jointly and $24,150 for heads of household. You can itemize instead if your deductions are larger.
Does moving to a higher bracket lower my take-home pay?
No. Only the income above the bracket limit is taxed at the higher rate. A raise always means more money after federal income tax.
Is it really free?
Yes, 100% free. No sign-up, no subscription and no usage limits. All Tools123 tools are free and run right in your browser.