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Federal Income Tax Calculator

Estimate your federal income tax, effective and marginal rate, and take-home pay.

Updated for the 2026 tax year · Last data update May 19, 2026
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How to Use

  1. Enter your annual gross income.
  2. Select your filing status.
  3. Choose the standard deduction or enter your itemized total.
  4. Review your estimated tax, effective rate, and marginal rate.

Calculation Method

We subtract your deduction (standard or itemized) from gross income to get taxable income, then apply the 2026 federal tax brackets progressively — each rate applies only to the income within that bracket.

Effective rate = total tax ÷ gross income. Marginal rate = the rate on your last dollar of taxable income.

Data source: IRS Revenue Procedure (2026 brackets). Figures are projected and reconciled when the IRS publishes final numbers.

Examples

Single, \$75,000

Standard deduction \$16,100 → taxable \$58,900.

≈ \$7,670 tax
Married jointly, \$150,000

Standard deduction \$32,200 → taxable \$117,800.

≈ \$15,200 tax

Frequently Asked Questions

No. This is an estimate based on the income and deduction you enter. Credits, additional taxes (AMT, NIIT), and other adjustments are not included.

Your marginal rate is the rate on your last dollar of income. Your effective rate is your total tax divided by your gross income, which is lower because lower brackets are taxed less.

The 2026 federal tax brackets and standard deduction. The data source and last-updated date are shown below the calculator.

Related Tools

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State Income Tax Calculator

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Tax Refund Estimator

Estimate your federal tax refund or balance due before you file.

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Disclaimer

This calculator provides estimates for informational and educational purposes only. SmartTaxCalcs does not provide tax advice. Your actual tax liability may differ based on your specific situation, recent law changes, and circumstances not modeled here (e.g., AMT, NIIT, special credits). We strongly recommend consulting a qualified tax professional (CPA, Enrolled Agent, or tax attorney) before filing or making financial decisions.

Data source: IRS Revenue Procedure / state Departments of Revenue. Last data update: May 19, 2026.

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