US federal · Tax year 2026

Federal Income Tax Calculator

Estimate ordinary federal income tax with 2026 filing-status brackets and standard deductions.

Rules reviewed November 7, 2026 · Educational estimate

Estimated federal income tax

$13,170

Effective rate 13.2%

Adjusted gross income$100,000

Deduction used$16,100

Taxable income$83,900

Tax before credits$13,170

Estimated overpayment$1,830

Federal ordinary income only. Excludes payroll and self-employment tax, capital gains, AMT, refundable credits, dependents, special deductions, penalties, and state/local tax.

Official source and scope

Rates and standard deductions come from IRS Internal Revenue Bulletin 2025-45. This is not a tax return and intentionally excludes income categories and provisions listed beside the result.

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Planning guide

Read the complete guide →

Understand this estimate before using it

Quick answer

What does the Income Tax Calculator do?

Estimate 2026 federal ordinary income tax with progressive brackets. It subtracts the selected deduction from ordinary income, applies 2026 progressive federal brackets, then accounts for entered credits and withholding.

Formula and calculation method

It subtracts the selected deduction from ordinary income, applies 2026 progressive federal brackets, then accounts for entered credits and withholding.

The result is only as reliable as the inputs. Use current balances, rates, fees, dates, and documents; then change uncertain assumptions to see whether the conclusion remains stable.

How to interpret the result

Treat the output as a comparison or planning range, not a quote, approval, eligibility decision, tax return, or prediction. Review the breakdown—not only its headline number—and read every stated exclusion.

For current background, review IRS tax information. Product documents and official program tools control when they differ from this educational model.

Worked scenario

Put the result in context

If taxable income crosses a bracket threshold, only the portion above that threshold is taxed at the next marginal rate. Do not multiply all income by the highest displayed bracket rate or treat withholding as final tax.

This scenario illustrates the method; it is not a quote, forecast, recommendation, or substitute for entering your actual facts.

Before you calculate

Gather current information before changing the defaults. A result based on verified records is more useful than a precise answer built from guesses.

gross income and filing status

Check the date, unit, and source of this input before entering it.

above-the-line adjustments

Check the date, unit, and source of this input before entering it.

the standard or itemized deduction

Check the date, unit, and source of this input before entering it.

credits and withholding

Check the date, unit, and source of this input before entering it.

What the result can answer

It can show how the entered assumptions interact, provide a consistent comparison, and reveal whether changing one important input materially changes the estimate.

What the result cannot decide

It cannot confirm approval, eligibility, market pricing, future performance, legal or tax treatment, contract quality, or whether the choice fits every part of your finances.

A practical next-step workflow

01 · Verify
Compare the inputs with current statements, quotes, official rules, and product documents.
02 · Stress-test
Run a second case with a less favorable value for credits and withholding.
03 · Confirm
Compare the estimate with IRS guidance or a tax professional before relying on it, especially if your situation involves anything beyond wages before acting.

Frequently asked questions

Do the calculators include state tax?

Only when a page explicitly asks for a state or local rate. Most tax tools focus on the stated federal calculation.

How current are the annual figures?

Time-sensitive pages display an applicable year and review date and link to the primary official source.

What can make this estimate differ from an actual result?

Timing, rounding, rate changes, fees, taxes, eligibility rules, product conventions, and facts not requested by this focused calculator can all create differences.

Which inputs deserve a second scenario?

Retest any input that is quoted rather than fixed, depends on future behavior, or materially changes the result. Conservative and optimistic cases reveal more than false precision.

What should I verify before making a decision?

Verify current statements, disclosures, official rules, taxes, fees, cancellation or prepayment terms, and the consequences of a less favorable outcome.

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Prepared by Loan Lyze Editorial and reviewed under the Loan Lyze editorial framework on November 8, 2026. Educational estimate only. See our methodology, editorial policy, and corrections policy.