OBBBA 2026: 5 New US Tax Deductions You are Missing (Overtime, Tips, Auto Loans)
The One Big Beautiful Bill Act changed US taxes in 2026. Overtime pay, tips, auto loan interest, senior deductions, and …
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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 – Single, Married Joint, Married Separate, or Head of Household.
- Enter your gross income – Total annual income before any deductions.
- Choose deduction type – Standard deduction (most common) or itemized if you have significant deductions.
- Add retirement contributions – Traditional 401(k), IRA, and HSA contributions reduce taxable income.
- Review your results – 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).