US Federal Income Tax Calculator
Estimate your 2026 federal income tax by filing status, including FICA (Social Security + Medicare).
Income & Filing
Federal Tax Breakdown (2026)
Total Federal + FICA
$15,528
AGI
$80,000
Deduction Used
$15,850
Taxable Income
$64,150
Federal Tax
$9,025
Social Security
$5,270
Medicare
$1,233
Marginal Rate
22%
Effective Rate
18.27%
Monthly Take-Home
$5,789
2026 US Federal Tax Brackets (Projected)
The US uses a progressive tax system. Your marginal rate applies only to the last dollar earned; your effective rate (total tax / total income) is typically much lower because earlier dollars are taxed at lower brackets.
Single filers
| Income | Rate |
|---|---|
| $0 – $11,900 | 10% |
| $11,900 – $48,500 | 12% |
| $48,500 – $103,500 | 22% |
| $103,500 – $197,300 | 24% |
| $197,300 – $250,500 | 32% |
| $250,500 – $626,350 | 35% |
| Above $626,350 | 37% |
Married Filing Jointly roughly doubles these thresholds. Head of Household falls in between.
What about state tax?
This calculator covers federal tax + FICA only. State income tax ranges from 0% (Texas, Florida, Tennessee, Nevada, Washington) to ~13% (California, NYC combined). Add state tax separately based on your residence.
Frequently Asked Questions
Everything you need to know, in one place.
What are the 2026 federal tax brackets?
Single filers (projected): 10% to $11,900, 12% to $48,500, 22% to $103,500, 24% to $197,300, 32% to $250,500, 35% to $626,350, 37% above. MFJ thresholds roughly double. IRS publishes final numbers each November.
What is the 2026 standard deduction?
Projected: Single $15,850, Married Filing Jointly $31,700, Head of Household $23,800. Most taxpayers take standard; itemize only if you have > $31,700 (MFJ) in SALT + mortgage interest + charitable deductions.
What is FICA?
Federal Insurance Contributions Act: 6.2% Social Security (up to $176,100 wage base in 2026) + 1.45% Medicare (no cap) + 0.9% Additional Medicare above $200k single / $250k MFJ. Employer matches the first two.
How is 401(k) pre-tax contribution treated?
Traditional 401(k) contributions reduce your taxable income (AGI) dollar-for-dollar. 2026 limit: $23,500 ($31,000 if 50+). Roth 401(k) contributions are after-tax but tax-free at withdrawal.
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