2025 / 2026 Federal Income Tax Calculator
Calculate your estimated tax liability, marginal bracket, and effective tax rate based on the latest IRS rules.
Tax Simulator
Estimate your 2025/2026 Federal Income Taxes
Standard Deduction Applied:
$15,750
Automatically deducted from your gross income.
Estimated Federal Tax
$7,949
Effective Rate: 10.6%
Estimated Net Pay (After Fed Tax)
$67,051
Monthly: $5,588
Marginal Bracket: 22%
Income Breakdown
Tax Bracket Breakdown
10% Bracket
$11,926 taxed
+ $1,193
12% Bracket
$36,550 taxed
+ $4,386
22% Bracket
$10,774 taxed
+ $2,370
US federal income tax is calculated in brackets, not as a flat percentage. The bracket you're 'in' is your marginal rate — the rate on your last dollar earned. Your effective rate — total tax divided by total income — is always lower because lower brackets are taxed at lower rates.
How federal tax brackets work
Each portion of your income is taxed at the rate of the bracket it falls into. For 2026, single filers pay 10% on the first ~$11,925, 12% on the portion from there up to ~$48,475, 22% from there to ~$103,350, and so on. The standard deduction (~$15,000 for single, ~$30,000 for married jointly in 2026) reduces taxable income before bracket calculations begin.
When to use this calculator
Use it for take-home pay estimates after a salary change. Use it before December to see whether a Roth conversion makes sense at your current bracket. Use it before a year-end bonus to understand whether the bonus moves you into a higher bracket — it almost always doesn't move enough income to matter, despite the common myth.
Worked example
A single filer earning $80,000 in 2026, taking the standard deduction. Taxable income: $65,000. Tax: 10% on the first $11,925 ($1,193) + 12% on $36,550 ($4,386) + 22% on $16,525 ($3,635) = about $9,214. That's a 14.2% effective rate even though they're 'in the 22% bracket.'