Federal Tax Calculator

How to use

1. Type your gross annual income in dollars, before any deductions.
2. Pick single or married filing status for the 2026 bracket set.
3. Read the federal tax, effective rate, and take-home after federal tax.
4. Compare the effective rate to your top bracket to see how progressive the math is at your income.
5. Adjust income upward or downward to watch the marginal brackets move the total.

General information only — not medical, financial or legal advice. Figures cross-checked against public official sources (IRS / HMRC / NHS / WHO guidance); content last reviewed September 2026. For decisions that matter, confirm with a licensed professional in your country.

About this tool

Enter a gross income and this estimator applies the 2026 federal brackets and standard deduction to show the tax owed, the effective rate, and what remains after federal tax. The default single filer at 75,000 dollars owes 7,872 dollars, an effective 10.5 percent, leaving 67,128 dollars. That gap between the 22 percent top bracket and a 10.5 percent effective rate is the point: only dollars above each threshold pay the higher rate. The model covers wages-style income only, applies the standard deduction, and stops there. Child tax credits, the EITC, itemized deductions beyond the standard amount, and state income tax are outside this estimate, so treat the result as a planning floor rather than a filed return. Estimates use 2026 published federal brackets and standard deductions; excludes credits, itemizing, other taxes, and state tax; verify with official sources; not tax advice.For 2026 the standard deduction is 16,100 dollars single and 32,200 married, with brackets running 10 to 37 percent. The effective rate divides total federal tax by gross income, so it always lands below the marginal rate. Filing status changes both the brackets and the deduction, which is why a married couple at the same income owes less.

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