HOW IT WORKS
This calculator estimates your 2026 federal income tax using standard deduction and tax brackets. It applies the progressive tax rate structure: you pay different rates on income within each bracket. Results are simplified and should be used as rough estimates only.
UNDERSTANDING TAX BRACKETS
Progressive System: The US uses a progressive tax system where higher income levels are taxed at higher rates. You don't pay the top rate on all your income—only on the portion within each bracket.
Example: If you're single with $50,000 income, you pay 10% on the first $11,925, 12% on income from $11,925 to $48,475, and 22% only on the remaining amount above $48,475.
Standard Deduction: This amount is automatically subtracted from your income before calculating tax. For 2026: $14,600 (single), $29,200 (married filing jointly), $21,900 (head of household).
Effective Tax Rate: Your average rate across all income, typically much lower than your top bracket rate.
WHAT THIS CALCULATOR DOESN'T INCLUDE
Not included: State and local taxes, FICA taxes (Social Security/Medicare), itemized deductions, tax credits (child tax credit, earned income credit, etc.), capital gains, alternative minimum tax, or self-employment tax.
For more accurate results: Consider consulting a tax professional or using comprehensive tax software that accounts for your specific situation.
2026 TAX BRACKETS DISCLAIMER
This calculator uses estimated 2026 federal tax brackets and standard deductions. Actual 2026 rates may differ based on IRS adjustments for inflation and legislative changes. The results are for estimation purposes only and should not be used for filing your tax return. Always verify with official IRS publications or consult a qualified tax professional for accurate tax planning.
Data Source: Based on 2025 IRS tax brackets with inflation adjustments. Last updated: January 2026.