US Federal Tax Calculator 2026
Calculate your 2026 US federal income tax with the latest IRS tax brackets. Supports all filing statuses: Single, Married Filing Jointly, Married Filing Separately, and Head of Household. Includes standard deductions, 401(k), IRA, HSA contributions, and detailed bracket breakdowns.
How to Use This US Tax Calculator
- Select your filing status โ Single, Married Joint, Married Separate, or Head of Household.
- Enter your gross income โ Total annual income before any deductions.
- Choose deduction type โ Standard deduction (most common) or itemized if you have significant deductions.
- Add retirement contributions โ Traditional 401(k), IRA, and HSA contributions reduce taxable income.
- Review your results โ See federal tax, effective rate, marginal rate, and detailed bracket breakdown.
Frequently Asked Questions
For 2026, brackets: 10%, 12%, 22%, 24%, 32%, 35%, 37%. Single thresholds: $0-$11,925 (10%), $11,925-$48,475 (12%), $48,475-$103,350 (22%), $103,350-$197,300 (24%), $197,300-$250,525 (32%), $250,525-$626,350 (35%), over $626,350 (37%).
2026 standard deduction: Single: $15,750, Married Joint: $31,500, Head of Household: $23,625, Married Separate: $15,750. Additional amounts for age 65+ or blind.
401(k): $23,500 ($31,000 age 50+), Traditional IRA: $7,000 ($8,000 age 50+), HSA: $4,300 individual / $8,550 family, Catch-up: $1,000 (age 55+ for HSA).
No, this calculator estimates federal income tax only. FICA (Social Security 6.2% up to $176,100, Medicare 1.45% no limit) is separate and typically withheld from paychecks.
Use the standard deduction unless your itemized deductions exceed it. Common itemized deductions: mortgage interest, state/local taxes (capped at $10,000), charitable donations, medical expenses (exceeding 7.5% of AGI).