For Educational Purposes Only — Not Tax Advice — 2026 IRS Regulations (Rev. Proc. 2025-32) + OBBBA
Income Tax
$9,870
Monthly
$5,719
Eff. Income Rate
11.6%
2026 W-2 Tax Calculator
All filing statuses · All 50 states · OBBBA 2026 updated · IRA · 401k · HSA · QBI
Quick answer
This calculator estimates 2026 federal income tax. The 2026 ordinary rates run from 10% to 37%. Your marginal rate is what the next dollar you earn is taxed at; your effective rate is total tax divided by total income, and is always lower. Social Security and Medicare tax are calculated and shown as separate lines. State and local income tax, the Alternative Minimum Tax and the Earned Income Credit are not included. It assumes the standard deduction unless you enter itemized amounts.
Standard deduction used: $16,100 single, $32,200 married filing jointly, $24,150 head of household.
Every figure below is produced by the same calculation as the calculator on this page, for a single filer with wage income only, taking the standard deduction, with no dependents, no retirement contributions and no state tax.
2026 federal tax by income level — Single. Tax data last verified .
Gross income
Taxable income
Federal income tax
Social Security & Medicare
Total federal tax
Effective federal rate
Extra federal tax on the increase
Kept from the increase
$25,000
$8,900
$890
$1,913
$2,803
11.2%
—
—
$50,000
$33,900
$3,820
$3,825
$7,645
15.3%
$4,843
$20,158 (81%)
$75,000
$58,900
$7,670
$5,738
$13,408
17.9%
$5,763
$19,238 (77%)
$100,000
$83,900
$13,170
$7,650
$20,820
20.8%
$7,413
$17,588 (70%)
$150,000
$133,900
$24,734
$11,475
$36,209
24.1%
$15,389
$34,611 (69%)
$250,000
$233,900
$51,304
$15,514
$66,818
26.7%
$30,609
$69,391 (69%)
$500,000
$483,900
$138,134
$21,389
$159,523
31.9%
$92,705
$157,295 (63%)
Reading the last two columns.Moving into a higher bracket does not put all of your income at that rate. Only the income inside each bracket is taxed at that bracket’s rate, which is why the “kept from the increase” column stays well above zero at every income level — a raise always leaves you with more money after tax than before it.
The effective federal rate here is total federal tax — income tax plus Social Security and Medicare — divided by gross income. State and local tax are not included.
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TaxsaveIQ · Educational purposes only · Not tax advice · IRS Rev. Proc. 2025-32 · OBBBA July 2025 · SECURE 2.0 ·Full disclaimer
Methodology and sources
How the Federal Income Tax Calculator works for tax year 2026, what it leaves out, and the official material behind its figures. Reviewed by Deepak Middha, Chartered Accountant · Data, formulas and sources last re-verified .
What this calculator estimates
Federal income tax on wage income, business income, or both
Taxable income after the standard or itemized deduction
Your effective and marginal federal rate
Employee-side FICA on W-2 wages and self-employment tax on business profit
The effect of pre-tax retirement, HSA, and FSA contributions
What it does not calculate
Your actual return, refund, or balance due as filed
State or local income tax (use the state calculators for that)
Payroll withholding already taken from your paychecks
Alternative Minimum Tax or the net investment income tax
Formula summary
Gross income − pre-tax contributions = adjusted gross income (AGI)
AGI − standard or itemized deduction − qualifying OBBBA deductions − QBI deduction = taxable income
Taxable income is run through the 2026 bracket schedule for your filing status
Non-refundable credits reduce the resulting tax, then refundable credits are applied
FICA or self-employment tax is computed separately on earned income, not on taxable income
Tax-year assumptions
Defaults to tax year 2026 using the Rev. Proc. 2025-32 inflation adjustments
2025 figures are available as a comparison year and are labelled as such
Assumes full-year residency and a calendar tax year
Business mileage uses the two 2026 standard rate periods — 72.5¢ per mile for miles driven January 1 through June 30 and 76¢ per mile for miles driven July 1 through December 31 — so miles must be entered by period
Filing-status assumptions
Supports single, married filing jointly, married filing separately, and head of household
Head of household assumes you meet the qualifying-person and cost-of-keeping-up-a-home tests
Married filing separately does not model the deduction and credit limits that apply to some separate filers
Important exclusions
Not modelled: Alternative Minimum Tax, the kiddie tax, foreign-income and treaty rules, and any state-specific add-backs
Itemized deductions are entered as a single total rather than line by line
Phaseouts are applied at the statutory thresholds without state-specific variations