Tax year 2026 · Updated September 3, 2026
Federal tax calculators
Estimate your federal income tax, check whether your W-4 withholding will cover it, and see the brackets for any recent tax year. Every figure links to the IRS publication it comes from.
- Federal income tax calculatorYour 2026 tax, marginal and effective rate
- W-4 withholding calculatorRefund or balance due at this withholding
- 2026 tax calculatorCurrent year brackets and deduction
- 2025 tax calculatorBrackets and standard deduction for 2025
- 2024 tax calculatorBrackets and standard deduction for 2024
- 2023 tax calculatorBrackets and standard deduction for 2023
Federal taxes on every paycheck in 2026
Federal income tax withholding follows IRS Publication 15-T: your pay is annualised, adjusted for the entries on your Form W-4, reduced by the standard deduction built into the withholding tables ($16,100 single, $32,200 joint, $24,150 head of household), and run through the 2026 rate schedule below. Social Security is 6.2% of wages up to $184,500; Medicare is 1.45% of all wages plus 0.9% on wages above $200,000.
| Rate | Single | Married filing jointly | Head of household |
|---|---|---|---|
| 10% | $0 – $12,400 | $0 – $24,800 | $0 – $17,700 |
| 12% | $12,400 – $50,400 | $24,800 – $100,800 | $17,700 – $67,450 |
| 22% | $50,400 – $105,700 | $100,800 – $211,400 | $67,450 – $105,700 |
| 24% | $105,700 – $201,775 | $211,400 – $403,550 | $105,700 – $201,775 |
| 32% | $201,775 – $256,225 | $403,550 – $512,450 | $201,775 – $256,200 |
| 35% | $256,225 – $640,600 | $512,450 – $768,700 | $256,200 – $640,600 |
| 37% | over $640,600 | over $768,700 | over $640,600 |
Frequently asked questions
Which calculator should I use?
Use the federal income tax calculator to estimate your 2026 tax bill and effective rate. Use the W-4 withholding calculator to see whether your paycheck withholding will cover it. Use a tax-year page when you are working on a prior-year return or comparing years.
What is the standard deduction for 2026?
$16,100 for single filers and married filing separately, $32,200 for married filing jointly, and $24,150 for heads of household (IRS Revenue Procedure 2025-32).
Do these calculators include state tax?
No. State income tax is handled by the paycheck calculators, which combine federal withholding, FICA and your state in one estimate.
Sources and updates
Figures are for tax year 2026 and were checked against the sources below on . Rates change every January; we review every data file at the start of each year and whenever a state announces a mid-year change.
- IRS, Revenue Procedure 2025-32: tax inflation adjustments for tax year 2026 (standard deduction, rate brackets)
- IRS Publication 15-T (2026), Federal Income Tax Withholding Methods, Worksheet 1A percentage method for automated payroll systems
- Social Security Administration, 2026 contribution and benefit base $184,500
- IRS Topic 751, Social Security and Medicare withholding rates (6.2% and 1.45%; Additional Medicare Tax 0.9% over $200,000)
- Tax Foundation, 2026 Tax Brackets (head of household and married filing separately thresholds)
This calculator gives estimates for information only and is not tax, legal or financial advice. Your employer's payroll system, local taxes, benefits and year-to-date wages can change the exact amounts on your pay stub. See how we calculate.