2026 Federal Income Tax Estimator
Professional 2026 tax estimator for single and married filers. Includes standard deductions and progressive bracket math.
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
$96,567.5
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.
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
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.