US Federal Tax Calculator
A quick estimate of your 2026 US federal income tax. Uses standard deduction unless you enter higher itemized deductions.
Where Your Income Goes
How Federal Income Tax Brackets Work
The US uses a progressive tax system. That means higher portions of income are taxed at higher rates, but only the income inside each bracket is taxed at that bracket's rate. Your filing status and deductions determine where those brackets start and how much of your income is taxable.
Marginal vs. Effective Tax Rate
Your marginal tax rate is the rate applied to your next dollar of taxable income. Your effective tax rate is the average rate you pay across all of your income after deductions and tax brackets are factored in.
That's why your effective rate is usually lower than your marginal rate. You may fall into a higher tax bracket, but only the income within that bracket is taxed at that higher rate.
Standard Deduction vs. Itemized Deductions
You can reduce your taxable income by taking either the standard deduction or itemizing. The standard deduction is a fixed amount based on filing status. Itemized deductions include things like mortgage interest, state and local taxes, and charitable donations. This calculator uses whichever gives you the larger deduction.
Disclaimer: This calculator provides a simplified estimate for educational purposes only. It is not tax advice. Please consult a qualified tax professional for guidance specific to your situation.