Estimate your 2026 US federal income tax, effective and marginal rates, and take-home pay. An estimate for planning, not tax advice, and it does not include state taxes.
We track 5,000+ stocks across 20 global markets with live prices, rankings, and fundamentals. No account needed to explore.
Estimate for planning only, not tax advice. Based on 2026 federal figures. It does not include state or local income taxes, payroll (Social Security and Medicare) taxes, tax credits, the alternative minimum tax, or phase-outs. Your actual return may differ.
For 2026 the federal income tax has seven rates: 10, 12, 22, 24, 32, 35, and 37 percent. The dollar range each rate applies to depends on your filing status. Only the income that falls inside a given bracket is taxed at that rate, so reaching a higher bracket never taxes your whole income at the higher rate.
For 2026 the standard deduction is $16,100 for single filers, $32,200 for married filing jointly, and $24,150 for heads of household. This calculator subtracts your deduction (standard or itemized) from income to find taxable income, which is what the brackets are applied to.
Your marginal rate is the rate on your next dollar of income, the top bracket you reach. Your effective rate is the total tax you owe divided by your income, which is always lower because the earlier dollars are taxed in lower brackets. This tool shows both.
Long-term gains on assets held more than a year are taxed at 0, 15, or 20 percent depending on your total taxable income, separately from the rates on wages. The gains stack on top of your ordinary taxable income, so a gain can fall across more than one rate. The capital gains section above shows how much of your gain is taxed at each rate.