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Income Tax Calculator 2026 (Federal & State)
2026 federal income tax with brackets, standard or itemized deduction, child credit, and the new tips, overtime and senior deductions.
Calculated in your browser – nothing you enter is sent or stored.
This income tax calculator estimates your 2026 federal income tax – the tax you will file for in early 2027 – using the new IRS brackets and standard deduction. It shows your taxable income, tax in each bracket, your effective and marginal rates, the child tax credit, and the new deductions for tips, overtime and people 65 and older. It also adds Social Security, Medicare and your state's income tax, and compares the total with what you had withheld.
How to Use the Tax Calculator
- Choose your filing status and enter your wages and any other taxable income.
- Enter pre-tax contributions such as a 401(k), 403(b) or HSA – they reduce taxable income.
- Leave itemized deductions at 0 unless they are more than your standard deduction.
- Add children under 17, other dependents, qualified tips, overtime premium pay and age 65+.
- Enter federal tax withheld to see an estimated refund or amount owed.
2026 Federal Tax Brackets
| Rate | Single | Married filing jointly | Head of household |
|---|---|---|---|
| 10% | $0 – $12,400 | $0 – $24,800 | $0 – $17,700 |
| 12% | $12,400 – $50,400 | $24,800 – $100,800 | $17,700 – $67,450 |
| 22% | $50,400 – $105,700 | $100,800 – $211,400 | $67,450 – $105,700 |
| 24% | $105,700 – $201,775 | $211,400 – $403,550 | $105,700 – $201,750 |
| 32% | $201,775 – $256,225 | $403,550 – $512,450 | $201,750 – $256,200 |
| 35% | $256,225 – $640,600 | $512,450 – $768,700 | $256,200 – $640,600 |
| 37% | over $640,600 | over $768,700 | over $640,600 |
Standard deduction 2026: $16,100 single, $32,200 married filing jointly, $24,150 head of household. People 65 or older add $2,050 (single or head of household) or $1,650 each (married).
How Your Tax Is Calculated
Example: a single filer earns $85,000 and puts $5,000 into a 401(k).
- Adjusted gross income: $85,000 − $5,000 = $80,000.
- Taxable income: $80,000 − $16,100 standard deduction = $63,900.
- Tax: 10% of $12,400 ($1,240) + 12% of $38,000 ($4,560) + 22% of the last $13,500 ($2,970) = $8,770.
The marginal rate – the rate on the next dollar – is 22%, but the effective rate is only $8,770 ÷ $85,000 = 10.3%. Moving into a higher bracket only taxes the dollars above the line at the higher rate. Social Security and Medicare add another $6,503 (7.65% of wages).
New Deductions for 2025–2028
The One Big Beautiful Bill Act added temporary deductions you can take whether or not you itemize:
- Qualified tips: up to $25,000, reduced by $100 for each $1,000 of income over $150,000 ($300,000 joint).
- Overtime premium: the extra "half" of time-and-a-half pay, up to $12,500 ($25,000 joint), with the same phase-out.
- Seniors 65+: $6,000 per person, reduced by 6% of income over $75,000 ($150,000 joint).
The child tax credit is $2,200 per child under 17, reduced by $50 per $1,000 of income above $200,000 ($400,000 joint); up to $1,700 per child can be refunded. Dependents who don't qualify, such as older children, can bring a $500 credit.
This calculator is built for wage earners. It does not cover capital gains rates, self-employment tax, the earned income credit or AMT. For your paycheck withholding, try the paycheck calculator.
Sources
- IRS – Tax inflation adjustments for tax year 2026 (Rev. Proc. 2025-32)
- IRS – One Big Beautiful Bill provisions (tips, overtime, seniors)
- IRS – Child tax credit
- IRS – Tax Withholding Estimator
Last reviewed: October 2026 by the ShrinkBee team. Results are estimates for planning, not tax advice. Check with the IRS or a tax professional before filing.
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