2026 tax year

Federal Income Tax Calculator

In brief

Estimate federal income tax, employee Social Security and Medicare tax, and take-home pay using dated IRS 2026 parameters. This is an educational estimate, not a completed tax return.

Published: July 26, 2026
Last reviewed: July 26, 2026

Filing status

Gross ordinary income

Wages and other income taxed at ordinary rates. Do not include qualified dividends or long-term capital gains here.

Employee wages subject to FICA

Use covered W-2 wages after payroll exclusions. This tool does not calculate self-employment tax.

Retirement and HSA contributions

Traditional workplace-plan contribution

For example, eligible pre-tax 401(k) deferrals. The 2026 basic employee limit is $24,500; catch-up and plan rules can differ.

Deductible HSA contribution

2026 limits are $4,400 self-only or $8,750 family, plus an eligible age-55 catch-up. Confirm HSA eligibility.

Deductible traditional IRA contribution

Enter only the amount you independently determined is deductible. The 2026 combined IRA limit is $7,500 before an eligible catch-up.

Other adjustments to income

Only enter adjustments you have independently determined are allowed.

Deduction

StandardCustom

Advanced: nonrefundable credits

Federal income-tax credits

Enter only credits already determined elsewhere. They reduce regular federal income tax no lower than zero; eligibility and refundable credits are not calculated.

Estimated annual take-home

Annual

Monthly average

Biweekly average

Take-home$0

Federal + FICA taxes$0

Entered contributions$0

Tax summary

Tax	Rate or basis	Estimate
Federal income tax	0%	$0
Social Security	6.2% up to $184,500	$0
Medicare	1.45% of entered FICA wages	$0
Additional Medicare	0.9% above filing threshold	$0
Total federal + FICA	Before state and local tax	$0

Adjusted gross income

Deduction used

Taxable ordinary income

Marginal rate

Effective rate on gross income

Credits applied

Tax by bracket

Rate	Income taxed	Tax

What this calculator does

It subtracts entered pre-tax contributions and other adjustments from gross ordinary income, applies either the 2026 base standard deduction for the selected filing status or a custom deduction, and then applies each marginal tax bracket to the resulting taxable income. Entered nonrefundable credits reduce that regular income-tax estimate no lower than zero.

A marginal rate applies only to the portion of taxable income inside that bracket. Moving into a higher bracket does not cause all income to be taxed at the higher rate. For employee FICA, the tool applies the 2026 Social Security and Medicare rates to the separately entered covered wages.

What it does not include

The estimate does not determine credit or deduction eligibility. It excludes refundable-credit treatment, qualified-dividend and long-term-capital-gain rates, net investment income tax, alternative minimum tax, self-employment tax, the additional standard deduction for age or blindness, special deductions, dependent rules, state and local taxes, withholding, penalties, and prior-year items.

Qualifying surviving spouses generally use the joint rate schedule, but eligibility is not determined by this tool. Married taxpayers filing separately can also face special deduction restrictions.