2026 Federal Income Tax Calculator | Estimate Tax by Filing Status and Income
2026 Federal Income Tax Calculator
Estimate your 2026 federal income tax using filing status, income, deductions, credits, and current federal tax brackets.
Your entries are calculated in your browser and are not saved.
Your Information
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Paid significant state/local tax, property tax, mortgage interest, or charitable gifts? Check itemized to see whether your allowed total beats the standard deduction.
State & Local Taxes (SALT)
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2026 SALT cap: $40,000 (phases down above $500,000 income, floor $10,000)
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Total Itemized Deduction:$0
Your standard deduction is higher — standard deduction will be used automatically.
Your Estimated Tax
Taxable Income
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Federal Tax Owed
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Effective Rate
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Marginal Rate
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Monthly Tax
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After-Tax Income
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Tax Bracket Breakdown
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Bracket Range
Income in Bracket
Tax
Enter your income above to see your breakdown.
Your entries are calculated in your browser. IncomeTaxBill.com does not save the numbers you enter.
2026 calculator notes
Updated for 2026: federal tax brackets, standard deduction amounts, and the current SALT cap rules used by this calculator.
This calculator provides a baseline estimate using the primary information you enter. Final tax results may vary when all relevant taxpayer information is fully incorporated at tax time.
This calculator estimates federal income tax for the 2026 tax year based on filing status, gross income, deductions, and the federal tax brackets used for 2026 planning. It is designed for taxpayers who want a quick estimate before filing, adjusting withholding, planning deductions, or deciding whether they may need to make additional payments.
The estimate is simplified. It does not calculate every possible credit, adjustment, Alternative Minimum Tax item, capital gains rate, QBI deduction, payroll tax, or state tax. Use it as a planning tool, not as a substitute for a prepared tax return.
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Example 2026 Federal Income Tax Estimates
These examples are simplified and assume the standard deduction, ordinary income only, and no credits or special adjustments.
Single filer earning $85,000: after the $16,100 standard deduction, estimated taxable income is $68,900 and estimated federal income tax is about $10,631 before credits or withholding.
Married filing jointly earning $140,000: after the $32,200 standard deduction, estimated taxable income is $107,800 and estimated federal income tax is about $14,936 before credits or withholding.
Head of household earning $65,000: after the estimated 2026 standard deduction, the calculator can help compare taxable income, bracket exposure, and potential balance due.
Lottery or gambling winnings?
If you received lottery, casino, sports betting, sweepstakes, or other gambling winnings, use the Lottery and Gambling Winnings Tax Calculator to compare 24% withholding with an estimated federal bracket-based tax result.
Related Tax Tools
Use these calculators to move between federal income tax, state tax rates, quarterly payments, paycheck planning, and investment sales.
No. This calculator estimates federal income tax before comparing it to withholding, estimated payments, refundable credits, or prior payments. A refund estimate requires those payment details plus other return-specific items.
Does this calculator include state income tax?
No. This calculator estimates federal income tax only. State and local tax rules vary widely, and some taxpayers may owe state income tax, city income tax, or other local taxes in addition to federal tax.
Does this calculator include capital gains and qualified dividends?
No. This version focuses on ordinary federal income tax. Capital gains and qualified dividends may be taxed under different rate rules, so investors should use a dedicated capital gains or investment income calculator when that income is significant.
Does this calculator include payroll taxes?
No. It does not calculate Social Security tax, Medicare tax, Additional Medicare Tax, or employer payroll withholding. Employees and self-employed taxpayers may need separate payroll or self-employment tax estimates.
Can I use this calculator for tax planning?
Yes, but only as a simplified planning estimate. It can help taxpayers think through income, deductions, and potential tax exposure, but a completed tax return or professional review may produce a different result.
Brackets and standard deductions from IRS Rev. Proc. 2025-32 (tax year 2026).
SALT cap per enacted legislation: $40,000 base, phases down above $500,000 modified AGI, floor $10,000 ($20,000/$5,000 for MFS).
Gross income is used as a proxy for modified AGI in the SALT phase-down.
Does not account for FICA/payroll taxes, AMT, QBI, capital gains rates, tax credits, or other adjustments.
Consult a tax professional for advice specific to your situation.
How to use this federal tax estimate
Use this calculator as the broad starting point. Then move to a more specific calculator or guide if the estimate shows a balance due, quarterly-payment issue, or paycheck planning issue.
A federal estimate does not automatically include every state, local, payroll, AMT, NIIT, credit, or phaseout issue. Treat it as a planning tool, not a filed return.
FAQ
Is this the same as filing a tax return?
No. It is an educational estimate, not a filed Form 1040.
Why can my actual tax differ from the calculator?
Credits, phaseouts, state tax, additional taxes, payroll tax, investment taxes, and data-entry differences can change the final result.
Turn the federal estimate into an action
A federal tax estimate is most useful when it tells you which question to answer next: withholding, estimated tax, capital gains, state tax, or payment planning.
Refund looks too large
Consider whether withholding is higher than needed for your cash-flow goals.
Balance due appears likely
Use the IRS payment hub before the deadline becomes urgent.
Side income drives the balance
Estimate quarterly payments or extra W-4 withholding.
Investment gains drive the balance
Use the capital gains calculator and consider timing of estimated payments.