Federal Tax Estimator 2026

Estimate your US federal income tax bill. For educational purposes — always consult a tax professional.

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Estimated Federal Tax
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effective rate
Taxable income
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Effective tax rate
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Marginal tax bracket
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Monthly tax burden
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How the US federal income tax works

The United States uses a progressive tax system — meaning you pay different rates on different portions of your income. You only pay the higher rate on income above each threshold, not on your entire income. This means your marginal rate (the rate on your last dollar) is almost always higher than your effective rate (what you actually pay on average).

Standard deduction vs itemizing

Most taxpayers take the standard deduction because it's simpler and often larger than itemized deductions. Itemizing makes sense if your deductible expenses (mortgage interest, charitable donations, state taxes, etc.) exceed the standard deduction amount for your filing status.

This calculator estimates federal income tax only and is for educational purposes. It does not account for state taxes, FICA, AMT, tax credits, or deductions not entered above. This is not tax advice. Consult a licensed CPA or tax professional for accurate tax preparation.