Taxes · Calculator

Tax brackets,
made visible.

This tool breaks your income into the federal brackets it crosses and shows the tax in each. Choose single, married filing jointly, or head of household. Pre-tax deductions reduce your taxable income before the brackets apply.

The question it answersHow much federal tax do I actually owe across each 2026 bracket?

Rules: United States. Tax year: models 2026 figures; check the assumptions before using it for another year. Privacy: runs in your browser. What you enter stays on your device unless you copy a share link, which puts your inputs in the link.

2026 brackets are the final IRS figures from Rev. Proc. 2025-32. Verify at irs.gov before filing. Federal only, state taxes vary by jurisdiction.

Not Roth contributions. Only pre-tax.

AGE AND BLINDNESS

Each box adds $1,650 to the standard deduction ($2,050 if unmarried). Each person 65 or older also gets the $6,000 senior deduction, itemizing or not, cut by 6% of income above $75,000 ($150,000 joint). Spouse boxes appear for married filing jointly.

TAXABLE INCOME
$0
FEDERAL TAX
$0
EFFECTIVE RATE
0%
MARGINAL RATE
0%
AFTER-TAX INCOME (FEDERAL ONLY)
$0
INCOME BROKEN INTO BRACKETS

Estimate, not tax or legal advice. It applies the 2026 rules listed in the assumptions to the numbers you enter. Details this tool does not model can change the result.

MARGINAL VS EFFECTIVE

Your marginal rate is the bracket rate on your last dollar of taxable income, the top bracket your income reaches. Your effective rate is your total tax divided by taxable income, lower than the marginal rate once income passes the 10% bracket, because earlier income was taxed at lower brackets. A “22% bracket” taxpayer pays about 11.5% to 17% effectively. This is why “I just entered a new bracket” does not mean all your income is suddenly taxed at the higher rate.

What this tool assumes
  • 2026 federal marginal brackets (final IRS Rev. Proc. 2025-32 figures).
  • Marginal rate is the bracket rate on the last dollar of taxable income; effective rate averages all brackets filled.
  • Deduction: the 2026 standard deduction for your filing status, or the itemized total you type in. The tool does not check which is larger for you beyond a note.
  • Filers 65 or older, or blind, get an extra $1,650 per person for each condition ($2,050 if unmarried) on top of the standard deduction, and only when not itemizing. Filers 65 or older also get the $6,000 senior deduction per qualifying person for 2025 through 2028, itemizing or not, which phases out above $75,000 MAGI ($150,000 joint). Both are applied from the age and blindness boxes.
  • MAGI for the senior deduction is taken as gross income minus pre-tax contributions. The deduction also requires a valid Social Security number for each qualifying person, which the tool assumes.
  • Negative gross income, pre-tax contributions or itemized deductions count as $0, and pre-tax contributions above gross income are capped at gross income. A note above the results says when an entry was changed this way.
  • All income is taxed as ordinary income. Capital gains rates, credits, FICA, NIIT, AMT and state tax are not included.

Not tax advice. Federal only. State taxes, FICAFederal Insurance Contributions Act (FICA)The federal payroll tax that funds Social Security and Medicare. Workers pay 6.2% for Social Security (on wages up to $184,500 in 2026) plus 1.45% for Medicare, and employers match both. Self-employed people pay both halves, 15.3%, as self-employment tax.Full definition, NIITNet Investment Income Tax (NIIT)A 3.8% extra federal tax on investment income for higher earners (above $200k single, $250k married).Full definition, AMTAlternative Minimum Tax (AMT)A second federal tax calculation. You compute your normal tax, you compute AMT, and you pay whichever is higher. Often triggered by employee stock options or large state-tax deductions.Full definition, and credits (EITC, CTC, etc.) are not included. Verify all figures at IRS.gov before filing.

HOW THIS IS CALCULATED

This tool runs entirely in your browser: no data is sent to any server.

  • Taxable income = gross income − pre-tax contributions − deduction − senior deduction, never below $0. The deduction is the 2026 standard deduction, $16,100 single, $32,200 joint, $24,150 head of household[1], plus $1,650 for each box ticked for age 65 or blindness ($2,050 if single or head of household)[1]; or, if you choose “No (I itemize)”, the itemized total you enter (blank counts as $0), with no age or blindness addition. The tool uses whichever one you pick, even when the other is larger; when you itemize, a note under the itemized field compares your total with the standard deduction that applies to you. When the deductions are more than income after pre-tax contributions, the result line says how much was available and that taxable income is $0.
  • Senior deduction = $6,000 − 6% of (gross − pre-tax contributions − $75,000, or $150,000 if joint), never below $0, times the number of people ticked as 65 or older[2][3]. It applies whether you itemize or not, is kept to the cent, and reaches $0 at $175,000 ($250,000 joint). Spouse boxes count only for married filing jointly. Inside the phase-out, an extra $1 of income also removes $0.06 of deduction per qualifying person, so the result line shows the higher rate that extra dollar actually costs.
  • Tax = each slice of taxable income × its bracket rate, with each slice's tax kept to the cent, added up. The breakdown shows each slice and the total to the cent; the headline figures are rounded to the dollar. 2026 bracket tops[1], for 10%, 12%, 22%, 24%, 32% and 35%, with 37% above: single $12,400, $50,400, $105,700, $201,775, $256,225, $640,600; joint $24,800, $100,800, $211,400, $403,550, $512,450, $768,700; head of household $17,700, $67,450, $105,700, $201,750, $256,200, $640,600.
  • Marginal rate = the rate on the last dollar taxed. Effective rate = tax ÷ taxable income, not gross income. After-tax income = gross − pre-tax contributions − federal tax. Negative entries count as $0, and pre-tax contributions are capped at gross income; when either happens, a note above the results names the entry and the value used.

Not modeled: married filing separately, dependents' limited standard deduction, capital gains rates, credits, FICA, NIIT, AMT and state tax. Verify the methodology or inspect the source code in your browser's dev tools.

Where to go from here

Read next

2026 Tax Brackets

2026 IRS brackets after OBBBA. 10/12/22/24/32/35/37 ordinary rates, 0/15/20 LTCG, standard deduction $16,100 single / $32,200 MFJ.

Explore further
  • Full Tax EstimatorFull W-2 and self-employment tax estimate covering federal brackets, Bitcoin gains, dividends, SE tax, QBI, credits, and select states.

Sources

Bracketed numbers in the text link to these sources. Figures, rates and rules change: check each source’s date before acting on it.

  1. Internal Revenue Service, Revenue Procedure 2025-32 (2026 inflation adjustments). Checked 2026-09-26. ↩
  2. Internal Revenue Service, Check your eligibility for the new enhanced deduction for seniors. Checked 2026-09-26. ↩
  3. Internal Revenue Service, Schedule 1-A (Form 1040), Part V: Enhanced Deduction for Seniors. Checked 2026-09-26. ↩

Calculators are educational estimates, not financial advice. Disclosures · How pages are reviewed