US Federal Income Tax Calculator
Estimate your 2026 federal income tax by filing status, including FICA (Social Security + Medicare). Free, privacy-first — inputs never leave your browser.
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
For estimation only. Not professional financial, tax, or legal advice. Consult a qualified advisor before making decisions. Full disclaimer.
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. Brackets are published annually by the IRS Revenue Procedure on inflation adjustments.
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.
Common questions about Federal Tax
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.
What is the AMT and does it apply to me?+
Alternative Minimum Tax is a parallel tax system to prevent high earners from escaping tax via heavy deductions. 2026 exemption: $88,100 single / $137,000 MFJ, phasing out above $626,350 / $1,252,700. AMT rates: 26% up to $239,100, 28% above. Common AMT triggers: incentive stock option (ISO) exercises, large SALT deductions (but SALT is capped at $10k anyway post-TCJA), tax-exempt private activity bond interest. Most middle-class taxpayers post-TCJA don't owe AMT.
What are the Child Tax Credit and EITC?+
Child Tax Credit (CTC): up to $2,000 per qualifying child under 17 for 2026, $1,700 refundable. Phases out above $200k single / $400k MFJ. Earned Income Tax Credit (EITC): refundable credit for low-to-moderate income workers, up to ~$8,046 for families with 3+ children in 2026. EITC eligibility requires earned income; phase-outs based on income and filing status. Use IRS EITC Assistant to check eligibility — widely underclaimed.