2026 Federal Tax Rate Calculator
Estimate your marginal and effective federal tax rates based on 2026 brackets. Includes state income tax estimates for all states and lets you choose the standard deduction or itemize (SALT, mortgage interest, charity, and more). Your filing status sets the deduction and bracket amounts. Assumes no tax credits and state taxable income mirrors federal. Use for pass-through business income or personal filing.

Enter income and lump-sum deductions for a fast estimate.

Results:

Taxable Income Breakdown:

Gross Income$0
Standard Deduction- $0
Other Deductions- $0
Taxable Income$0

Your Estimated Tax Bill:

Federal Tax(top rate 0.0%)$0
Personal State Income Tax(top rate 0.0%)$0
Total Tax You Owe$0

These are 2026 estimates using the standard deduction. We don't include tax credits, city taxes, or a few special rules that might apply to you, so your real bill will differ. Bring this to a CPA rather than filing from it.

Where your federal tax comes from

Your income gets sliced into chunks, and each chunk is taxed at its own rate. This is the part almost everyone gets wrong: being "in the 0% bracket" does not mean you pay 0% on everything. Only the last chunk is taxed that high. Averaged over all your income, you're actually paying 0.0%.

BracketRateIncome in BracketTax
Total$0$0
Safe Harbor Estimator
Avoid IRS underpayment penalties. Enter last year's numbers to see the minimum you should pay this year to be protected.

Enter your 2025 total federal tax above to estimate your safe harbor target.