Tax year 2026
US federal income tax calculator 2026
Estimate your 2026 US federal income tax and take-home pay. Choose a filing status and enter a monthly or annual salary in USD. The calculator applies the 2026 federal brackets and standard deduction from IRS Revenue Procedure 2025-32, then optionally adds Social Security and Medicare.
US income tax calculator
2026 rates · IRS · USD
Federal only — state and local income taxes are excluded.
Before tax. Do not include bonuses or benefits unless they are paid monthly.
Current year: 2026
Reduces income tax, not Social Security or Medicare.
7.65% of gross, plus 0.9% above the extra Medicare threshold.
Enter your gross salary to see your estimate
The calculation runs in your browser. Nothing you type is sent to a server.
Prefer another country? Compare all five calculators.
You can include a pre-tax 401(k) contribution to see how it lowers taxable income, and switch FICA on or off if you only need the federal income tax figure. State and local taxes are not included.
United States tax at a glance
Reviewed 1 November 2026- Tax year
- 2026
- Currency
- USD
- Tax-free threshold
- USD 16,100
- Top marginal rate
- 37%
- Top rate applies above
- USD 640,600
- Official source
- IRS
Standard deduction for a single filer. FICA applies from the first dollar, so total deductions can still be positive.
Source: Internal Revenue Service (IRS). How these figures are verified.
Worked example
Someone earning USD 75,000 a year in United States would pay an estimated USD 13,408 in income tax, an effective rate of 17.88%, and take home USD 61,593.
| Gross salary | USD 75,000 |
|---|---|
| Taxable income | USD 58,900 |
| Federal income tax | USD 7,670 |
| Social Security (6.2%) | USD 4,650 |
| Medicare (1.45%) | USD 1,088 |
| Take-home pay | USD 61,593 |
At other salaries
Annual tax and take-home pay at common salary levels, using the same 2026 rules.
| Salary | Tax | Take-home |
|---|---|---|
| USD 40,000 | USD 5,680 | USD 34,320 |
| USD 75,000 | USD 13,408 | USD 61,593 |
| USD 120,000 | USD 26,750 | USD 93,250 |
| USD 200,000 | USD 51,073 | USD 148,927 |
Default options applied. Change the options in the calculator for a closer estimate.
United States income tax bands for 2026
Each rate applies only to the income inside its band. The table shows the bands used for the default options in the calculator.
| Taxable income | Rate |
|---|---|
| USD 0 – USD 12,400 | 10% |
| USD 12,400 – USD 50,400 | 12% |
| USD 50,400 – USD 105,700 | 22% |
| USD 105,700 – USD 201,775 | 24% |
| USD 201,775 – USD 256,225 | 32% |
| USD 256,225 – USD 640,600 | 35% |
| Above USD 640,600 | 37% |
Single filer thresholds. Married and head of household thresholds differ by filing status.
Common United States salaries
Worked estimates for the salaries people look up most, each with its own band breakdown, nearby salaries and take-home figure.
How the United States calculation works
- The standard deduction for your filing status is subtracted from gross pay, and the federal brackets apply to what remains.
- Social Security is charged at 6.2% up to the annual wage base and Medicare at 1.45% with no cap, plus 0.9% above the additional Medicare threshold.
- A pre-tax 401(k) contribution reduces income tax but not Social Security or Medicare.
What the estimate includes
Included
- Federal income tax for the selected filing status
- The standard deduction for that filing status
- Optional pre-tax 401(k) contribution
- Optional Social Security and Medicare (FICA) contributions
Not included
- State and local income tax
- Itemised deductions, credits and the child tax credit
- Other pre-tax benefits such as HSA or commuter benefits
United States tax questions
What are the 2026 federal tax brackets?
For a single filer the rates are 10% up to $12,400, 12% to $50,400, 22% to $105,700, 24% to $201,775, 32% to $256,225, 35% to $640,600 and 37% above. Joint thresholds are roughly double the single thresholds, and head of household sits between the two.
What is the 2026 standard deduction?
$16,100 for single filers and married filing separately, $32,200 for married filing jointly, and $24,150 for heads of household.
Does the estimate include Social Security and Medicare?
Yes, by default. Social Security is 6.2% up to the $184,500 wage base for 2026, Medicare is 1.45% with no cap, and an extra 0.9% applies above $200,000 for single filers or $250,000 for joint filers. You can switch FICA off in the options.
Does it include state tax or credits?
No. The estimate is federal only. State income tax, itemised deductions, the child tax credit and other credits are not modelled.
Sources
Federal income tax brackets and standard deductions for tax year 2026 from IRS Revenue Procedure 2025-32. Federal payroll taxes follow the 2026 Social Security wage base of $184,500.
Last reviewed 1 November 2026. See the methodology for how rates are checked.
Related
- How income tax is calculated
- United States tax guide
- Pakistan income tax calculator
- India income tax calculator
- United Kingdom income tax calculator
- China income tax calculator
Tax Globy is independent. Results are estimates for general information and are not tax advice from Internal Revenue Service (IRS).