Estimate your 2026 federal income tax using filing status, income, deductions, credits, and current federal tax brackets.
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Your Information
State & Local Taxes (SALT)
Your Estimated Tax
Tax Bracket Breakdown
| Rate | Bracket Range | Income in Bracket | Tax |
|---|---|---|---|
| Enter your income above to see your breakdown. | |||
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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.
If your estimate shows a tax bill
If your planning estimate suggests you may owe federal tax, start with the IRS Payment and Tax Bill Help Center. If you cannot pay the full amount immediately, see How to Pay an IRS Tax Bill If You Cannot Pay in Full.
If you are comparing payment plans, credit cards, debit cards, personal loans, or paying in full, review IRS Payment Plan vs Credit Card. If the estimate involves freelance, 1099, creator, or side-business income, also review Quarterly Taxes for Freelancers and Side Businesses and Self-Employment Tax Explained because self-employment tax is separate from income tax.
About this 2026 federal income tax calculator
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.
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Frequently asked questions
Does this calculator estimate my refund?
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.