Income Tax Calculator (US)
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Result
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This income tax calculator estimates your US federal income tax from your annual income, filing status and deduction. It shows your taxable income, marginal tax rate, effective tax rate and income after federal tax. It suits employees and freelancers checking a bracket before a raise or new project. It is free, needs no sign-up and runs in your browser. The result is an estimate, not tax advice.
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Choose Single or Married filing jointly. Each status uses its own federal brackets and standard deduction.
Keep the standard deduction ticked, or untick it and enter your itemized deductions in dollars.
Each rate applies only to the slice of taxable income inside its bracket, the way federal tax works.
See taxable income, marginal tax rate, effective tax rate and income after federal tax in one result.
Three steps from a blank form to a result you can use.
Type your yearly income in dollars in the Annual income field.
Pick Single or Married filing jointly, then keep the standard deduction or enter itemized deductions instead.
Select Calculate to see your estimate, copy it, or change the inputs to compare scenarios.
US federal income tax is charged in layers, so a higher bracket only touches part of your income. This calculator subtracts your deduction, applies the federal brackets for your filing status, and shows what that means as a total and as a rate. It is an estimate, not tax advice.
The calculator has four inputs. It runs in your browser, so the figures you type are not sent to an account.
The result lists four rows: Taxable income (your income minus the deduction), Marginal tax rate, Effective tax rate and Income after federal tax.
The IRS adjusts brackets and the standard deduction every year. These are the figures the IRS published for tax year 2026, the return most people file in 2027.
| Rate | Single: Taxable Income | Married Filing Jointly: Taxable Income |
|---|---|---|
| 10% | $12,400 or less | $24,800 or less |
| 12% | Over $12,400 | Over $24,800 |
| 22% | Over $50,400 | Over $100,800 |
| 24% | Over $105,700 | Over $211,400 |
| 32% | Over $201,775 | Over $403,550 |
| 35% | Over $256,225 | Over $512,450 |
| 37% | Over $640,600 | Over $768,700 |
| Filing Status | Tax Year 2025 | Tax Year 2026 |
|---|---|---|
| Single | $15,750 | $16,100 |
| Married filing jointly | $31,500 | $32,200 |
For tax year 2025, the IRS lists the 10% bracket for single filers as $0 to $11,925 and the 12% bracket as $11,926 to $48,475. Always check which tax year an estimate uses before you compare it with a return or a paycheck.
These two rates answer different questions, and mixing them up is the most common tax myth.
We use the marginal rate to judge extra income, such as a raise, a bonus or a side project. Use the effective rate to see what share of your whole income goes to federal income tax. A raise never lowers your take-home pay because of the bracket it reaches.
Example: This is an illustration using the IRS tax year 2026 figures. A single filer earns $75,000 and takes the standard deduction of $16,100. Taxable income is $75,000 minus $16,100, which is $58,900.
| Bracket | Income in Bracket | Tax |
|---|---|---|
| 10% on the first $12,400 | $12,400 | $1,240 |
| 12% from $12,400 to $50,400 | $38,000 | $4,560 |
| 22% from $50,400 to $58,900 | $8,500 | $1,870 |
| Total | $58,900 | $7,670 |
The marginal rate is 22%, because the last dollar of taxable income falls in that bracket. The effective rate on the full $75,000 is $7,670 divided by $75,000, or about 10.2%. Income after federal tax is $75,000 minus $7,670, which is $67,330. Social Security, Medicare and state tax would still come out of that figure.
The calculator covers the core of a federal return: income, one deduction and the bracket math. A real return has more parts, so treat the result as a planning estimate, not tax advice.
For a filing decision, use IRS tools or speak with a tax professional.
Quick answers about the Income Tax Calculator (US).
It gives an estimate of US federal income tax based on your income, filing status and one deduction, using the progressive bracket method. It leaves out credits, payroll tax, state tax and special income such as capital gains, so your real bill can differ. Treat the result as a planning figure, not tax advice.
The marginal rate is the rate on your last dollar of taxable income, the bracket you reach. The effective rate is your total tax divided by your income. Because lower slices of income are taxed at lower rates, the effective rate is usually well below the marginal rate.
No. Only the part of your income above a bracket threshold is taxed at the higher rate, so a raise always leaves you with more money after federal income tax. The IRS explains that you pay the higher rate only on the part of income that falls in the new bracket.
Use whichever is larger. For tax year 2026 the IRS lists a standard deduction of $16,100 for single filers and $32,200 for married couples filing jointly. If your itemized deductions add up to more, untick the standard deduction box and enter your itemized total in the calculator.
No. It estimates federal income tax only. Social Security and Medicare are withheld separately from wages, and self-employed people pay self-employment tax on net earnings. State and local income taxes depend on where you live. Add those amounts yourself to estimate your full take-home pay.
No. The calculator runs in your browser and there is no sign-up or account, so the figures you type are not saved to a profile. Close the page and the inputs are gone. That also means you should copy any result you want to keep before you leave the page.
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