Tax Calculator
Estimate 2026 federal income tax, bracket by bracket, with your marginal and effective rates.
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Your numbers
Estimate 2026 federal income tax
Tax by bracket
Your projection
$8,550 federal income tax
Taxable income
$62,900
Marginal rate
22%
Effective rate on gross
10.1%
Deduction used
$16,100
Brackets from IRS Revenue Procedure 2025-32. Only the income inside each bracket is taxed at that bracket's rate, so a raise never lowers take-home pay. Payroll taxes, state tax and capital gains are not included.
About this tool
Method, assumptions, practical next steps, and limits.
See the brackets, not just the total
The US income tax is progressive: each bracket’s rate applies only to the income inside it. Seeing the slices makes clear why a raise never lowers take-home pay.
How the calculation works
Taxable income = gross income − pre-tax contributions − deduction, then each slice is taxed at its bracket rate.
A single filer with $85,000 of income and $6,000 of pre-tax contributions takes the $16,100 standard deduction, leaving $62,900 taxable. That is 10% on the first $12,400, 12% up to $50,400 and 22% on the last $12,500: $8,550 in tax. The marginal rate is 22% and the effective rate on gross income is 10.1%.
What is not included
Social Security, Medicare and state taxes, capital gains rates, the alternative minimum tax and phase-outs are outside this estimate. Brackets and the standard deduction change every year; these are the 2026 figures from IRS Revenue Procedure 2025-32.
