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Federal Income Tax Calculator
Applies TY2026 ordinary income tax schedules from Rev. Proc. 2025-32 to taxable income by filing status. Educational federal estimate only.
Limitation: Educational estimate for U.S.
How to Estimate Federal Income Tax
Use taxable income for one federal filing-status scenario.
Choose filing status.
Taxable income ≠ paycheck
Pair with Taxable Income and Standard Deduction calculators if you need AGI → taxable income first.
What the Federal Tax Result Means
Estimated ordinary federal income tax before credits, AMT, NIIT, or preferential capital-gains rates.
Federal Income Tax Examples
Single at $50,400 taxable
Scenario inputs
Primary result
IRS schedule anchor at the top of the 12% bracket.
Joint at $100,800 taxable
Scenario inputs
Primary result
Joint schedule anchor at the top of the 12% bracket.
Zero taxable income
Scenario inputs
Primary result
No ordinary income tax when taxable income is zero.
Educational estimate
Confirm with IRS.gov or a qualified professional before filing or changing payroll elections.
Frequently Asked Questions
Still have questions about this calculation?
Try the CalculatorTY2026 Ordinary Income Tax Formula
Rates remain 10%, 12%, 22%, 24%, 32%, 35%, and 37%.
Formula
Schedule tax
tax = baseTax + marginalRate × (taxableIncome − bracketMin)
Effective rate
effectiveRate = tax ÷ taxableIncome
Scientific Background
Assumptions: TY2026 federal ordinary income; user-entered taxable income; no credits. Limitations: state tax, CTC/EITC, AMT, NIIT, capital-gains preferential rates omitted. Sources: https://www.irs.gov/pub/irs-drop/rp-25-32.pdf and https://www.irs.gov/newsroom/irs-releases-tax-inflation-adjustments-for-tax-year-2026-including-amendments-from-the-one-big-beautiful-bill
Sources & review
Federal Income Tax Calculator documents the references behind its formulas and assumptions. Always treat results as educational estimates, not personalized professional advice.
Last reviewed
July 22, 2026
IRS digital assets / tax reference
Internal Revenue Service (IRS)
https://www.irs.gov/pub/irs-drop/rp-25-32.pdfIRS digital assets / tax reference
Internal Revenue Service (IRS)
https://www.irs.gov/newsroom/irs-releases-tax-inflation-adjustments-for-tax-year-2026-including-amendments-from-the-one-big-beautiful-billFree Calculator Hub methodology
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/methodology
See our methodology and corrections policy.