Federal Income Tax Calculator

Your Income

Gross Annual Income ($)

Filing Status

Standard deduction applied automatically.

Tax Summary

Estimated Federal Tax

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Effective rate

Gross Income

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Taxable Income

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After standard deduction

Marginal Rate

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Your top bracket

Monthly Take-Home

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Federal tax only

Take-Home Federal Tax

Bracket-by-Bracket Breakdown

The U.S. uses a progressive tax system - only the income within each bracket is taxed at that rate. Your entire income is never taxed at your top rate.

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Estimates only - real taxes will differ. This calculator applies the 2026 standard deduction and federal brackets only. It does not account for state or local income taxes, FICA (Social Security & Medicare), itemized deductions, tax credits, capital gains, investment income, AMT, or any other adjustments. Consult a tax professional for advice specific to your situation.

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How It's Calculated

Standard Deduction: Subtracted from gross income before any tax is applied. 2026 amounts: $16,100 (Single), $32,200 (Married Filing Jointly), $24,150 (Head of Household).

Progressive Brackets: Only the income within each bracket is taxed at that rate. Earning $60,000 as a single filer does not mean all $60,000 is taxed at 22% - only the slice of income between $12,400–$50,400 is taxed at 22%.

Effective Rate: Total federal tax ÷ Gross income. Almost always lower than your marginal (top bracket) rate because lower brackets cover the first dollars of income.

Marginal Rate: The rate that applies to your last dollar of income. Useful for evaluating raises, freelance income, or deductions.

Tax brackets shown are 2026 IRS figures (IRS Revenue Procedure 2025-32). Brackets adjust annually for inflation. This tool does not include state taxes, FICA, or any credits or deductions beyond the standard deduction.