Income Tax Calculator

Estimate your 2026 federal income tax and see whether you’re on track for a refund or a bill.

By the CalculateBright team · Updated · How we calculate

Leave 0 to use the standard deduction
e.g. Child Tax Credit
  

    How to use the Income Tax calculator

    1. Enter your numbers. Fill in total income, filing status, pre-tax contributions, itemized deductions, tax credits, federal tax already withheld.
    2. Read your results. Results update instantly. The headline shows the estimated amount owed; the breakdown and table below show the details.

    2026 federal tax brackets

    The U.S. has a progressive tax: each rate applies only to the income within its bracket. For 2026 (returns filed in 2027), single filers pay 10% up to $12,400, 12% to $50,400, 22% to $105,700, 24% to $201,775, 32% to $256,225, 35% to $640,600 and 37% above. Married-filing-jointly brackets are generally double.

    How it’s calculated

    Taxable income = Income − pre-tax contributions − max(standard, itemized)
    Tax = Σ (income in each bracket × rate) − credits

    Refund or amount owed = tax already withheld − tax due.

    Marginal vs. effective rate

    Your marginal rate is the rate on your last dollar; your effective rate is total tax ÷ income, which is always lower.

    Worked example

    With these inputs: total income (wages + other)$90,000; filing statusSingle; pre-tax contributions (401k, hsa)$6,000; federal tax already withheld$9,000.

    The calculator gives a estimated amount owed of $650 (2026 federal tax: $9,650). Other results: taxable income$67,900, standard deduction$16,100, marginal rate22%, effective rate10.7%.

    What your results mean

    Your marginal rate applies only to your last dollar of income; your effective rate is total tax divided by income. A refund means more was withheld than you owe; a balance due means too little was withheld.

    Tips

    • Itemize only if your deductions exceed the standard deduction.
    • Credits reduce tax dollar-for-dollar, so they are worth more than deductions.
    • Adjust your W-4 if you owe or get a large refund every year.

    Frequently asked questions

    What are the 2026 federal tax brackets?

    Seven rates: 10%, 12%, 22%, 24%, 32%, 35% and 37%. For single filers, the 10% bracket covers taxable income up to $12,400, and 37% starts above $640,600.

    What is the 2026 standard deduction?

    $16,100 single, $32,200 married filing jointly and $24,150 head of household (IRS Rev. Proc. 2025-32).

    What is the 2026 standard deduction?

    $16,100 single or married filing separately, $32,200 married filing jointly, and $24,150 head of household.

    Will a raise push all my income into a higher bracket?

    No. Only the dollars above the threshold are taxed at the higher rate.

    What isn’t included?

    FICA, state taxes, capital-gains rates, AMT and credit/deduction phase-outs. See a tax professional for complex situations.

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    Sources