justyourcalculatorIncome Tax Calculator
Estimate your 2026 federal income tax, effective rate and refund.
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Income Tax Calculator
Your 2026 US federal income tax, refund or amount owed
Box 1 of your W-2s, or gross pay.
Interest, business, rental, short-term gains.
401(k), HSA, traditional IRA and other above-the-line deductions.
2026 federal income tax
$8,770.00
10.96% effective rate on total income
- Adjusted gross income
- $80,000.00
- Standard deduction
- $16,100.00
- Taxable income
- $63,900.00
- Tax before credits
- $8,770.00
- Marginal tax rate
- 22%
- Tax due
- $8,770.00
2026 brackets, standard deduction and credits from IRS Rev. Proc. 2025-32. Child Tax Credit shown as nonrefundable (the refundable part is not modeled); AMT, NIIT, self-employment tax and state tax are excluded. Estimates for planning only, not financial advice.
- Federal income tax$8,770
- Deducted (not taxed)$16,100
- Taxable income after tax$55,130
| Taxable income | Rate | Tax |
|---|---|---|
| $0 to $12,400 | 10% | $1,240.00 |
| $12,400 to $50,400 | 12% | $4,560.00 |
| $50,400 to $63,900 | 22% | $2,970.00 |
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How the income tax calculator works
Federal income tax is progressive: each bracket's rate applies only to the income inside that bracket. We start from your income, subtract pre-tax deductions to get adjusted gross income, subtract the larger of your standard or itemized deduction, and run the rest through the 2026 brackets for your filing status.
Long-term capital gains and qualified dividends sit on top of ordinary income and are taxed at 0%, 15% or 20%. Credits such as the $2,200 Child Tax Credit then reduce the tax dollar for dollar; they phase out above $200,000 of income ($400,000 joint).
People 65 or older get an extra standard deduction plus the new senior deduction of up to $6,000 each (2025 to 2028), which phases out above $75,000 of income ($150,000 joint).
Using and checking your result
Published by JustYourCalculator. Check the units and assumptions above, and compare a known example before relying on the output. Calculations use browser arithmetic and may round displayed values.
This is an educational estimate, not a lender quote, tax filing calculation or investment recommendation. Actual costs depend on current rules, fees and your circumstances. Verify important decisions with official sources and a qualified adviser.
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Primary references and further reading
Reference links help you check assumptions; they do not mean the publisher has reviewed or endorsed this calculator.