2026 Federal Income Tax Estimator
Estimate your 2026 federal, state, and FICA taxes using the official IRS brackets and deductions for single, married, and head of household filers.
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This income tax estimate projects your 2026 federal, state, and FICA liability using the IRS's permanent post-OBBBA brackets. It's calculated as Taxable Income = Gross Income − (Pre-Tax Contributions + Standard Deduction), then taxed progressively across the seven federal brackets from 10% to 37%.
Est. Take-Home Pay
$96,568
Effective Tax Rate
22.7%
Marginal Bracket
22.0%
Parameters
Strategy Note
Contributing to a 401(k) or HSA lowers your taxable income at today's marginal rate. Every pre-tax dollar you defer is taxed at 0% now instead of your bracket rate.
- Taxable Income
- $93,900
- AGI $110,000 − $16,100 standard deduction
- Federal Income Tax
- $13,370
- after credits
- FICA
- $9,563
- Social Security + Medicare
- State Tax
- $5,500
- 5% of AGI
- Total Tax
- $28,433
- federal + FICA + state
How the 2026 Tax Brackets Work
The Tax Cuts and Jobs Act (TCJA) of 2017 introduced seven brackets ranging from 10% to 37%, originally set to expire after 2025. The One Big Beautiful Bill Act, signed in July 2025, made those brackets permanent instead, so this calculator uses the IRS's official 2026 inflation-adjusted thresholds rather than a reversion to pre-2018 rates. See the IRS federal income tax rates and brackets page for the official source.
The Taxable Income Identity
How to Use This Calculator
Annual Gross Income is your total income before any deductions. Filing Status determines which bracket thresholds and standard deduction apply. Pre-Tax 401(k)/HSA is money deducted from your paycheck before federal tax is calculated. Est. State Tax is a flat percentage placeholder for your state's income tax. Most states use their own bracket structure, so treat this as a rough stand-in, not an exact state calculation. Tax Credits are dollar-for-dollar reductions to your federal tax bill, such as the Child Tax Credit.
A Worked Example
At the default inputs ($125,000 gross income, single filer, $15,000 in pre-tax 401(k)/HSA contributions, a 5% state rate, and $2,000 in credits), this calculator computes: adjusted gross income of $110,000, taxable income of $93,900 after the $16,100 standard deduction, federal tax of $13,370 (after credits), FICA (Social Security + Medicare) of $9,563, and state tax of $5,500. That's $28,433 in total tax and $96,568 in take-home pay, for an effective tax rate of about 22.7% and a marginal (top bracket) rate of 22%. The gap between the effective and marginal rate is the point of a progressive system: only income inside the 22% bracket is taxed at 22%, everything below it is taxed at the lower rates that apply to it.
Assumptions and Limitations
This estimator covers federal income tax, employee-side FICA (6.2% Social Security up to the $184,500 2026 wage base, plus 1.45% Medicare; for a married couple it applies the wage base to the combined income, so two earners who each stay under it will see Social Security understated), and a flat-percentage placeholder for state tax. It also adds the 0.9% Additional Medicare Tax on wages above $200,000 (single or head of household) or $250,000 (married filing jointly). It does not include itemized deductions, self-employment tax, the Qualified Business Income deduction, or any state-specific credits or brackets. It's meant for planning, not for filing. For an exact number, use IRS Form 1040 or tax software, and for a strategy tailored to your situation, talk to a CPA or enrolled agent.
Common Tax Inquiries
?Did the 2017 tax cuts expire in 2026?
No. The Tax Cuts and Jobs Act (TCJA) brackets were scheduled to sunset after 2025, but the One Big Beautiful Bill Act, signed into law in July 2025, made the TCJA's seven brackets (10% to 37%) permanent. Rates did not revert to the old 10%-39.6% structure.
?How do credits differ from deductions?
Deductions lower your taxable income base. Credits are a dollar-for-dollar reduction of the actual tax you owe.
?Are these 2026 brackets official?
Yes. These match the IRS's official inflation-adjusted brackets and standard deductions for tax year 2026, now permanent under the One Big Beautiful Bill Act.
About this calculator. Results are estimates for education and planning, based on the inputs you enter and the published formula described above. Everything runs in your browser; nothing you type is sent to us or stored. It is not financial, tax, legal or medical advice. Read the disclaimer and our methodology.
Spotted an error or an out-of-date figure? Tell us and we will correct it and note the change in the update log.