Income Tax Calculator (2026)

Estimate 2026 US federal income tax using the verified IRS brackets, plus FICA and state tax.

Inputs

$
$
2026 std: $16,100.00
$
Estimated total tax
$24,171.20
After-tax take-home $62,828.80
Federal tax
$10,310.00
State tax
$6,593.70
FICA (SS + Medicare)
$7,267.50
Marginal rate
22.0%
Effective rate
14.54%
Taxable income
$70,900.00
Bracket-by-bracket breakdown
10% × ($0.00 – $12,400.00)$1,240.00
12% × ($12,400.00 – $50,400.00)$4,560.00
22% × ($50,400.00 – $70,900.00)$4,510.00

How it works

Subtract pre-tax deductions and the larger of itemized/standard deduction, apply 2026 federal brackets, add a state approximation, and compute FICA (Social Security 6.2% up to $184,500 + Medicare 1.45% + 0.9% surtax over the filing-status threshold).

Frequently asked questions

Are these amounts an exact tax bill?

No. They use verified 2026 IRS/SSA figures but ignore credits, phase-outs and AMT. Use tax software or a CPA to file.

Marginal vs effective rate?

Marginal is the rate on your next dollar. Effective is total tax ÷ taxable income — always lower because earlier brackets fill first.

Standard or itemized?

Take whichever is larger. 2026 standard deduction: Single $16,100 · MFJ $32,200 · HoH $24,150 · MFS $16,100.

How is state tax handled?

Eight states impose no income tax. The rest are approximated at their top rate — see your state's brackets for a precise figure.

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