Free Online US Federal Tax Calculator
Estimate your US federal income tax
This calculator provides estimates for educational purposes only. It does not constitute tax advice. Consult a qualified tax professional for your specific situation.
Estimated Take-Home Pay
$66,886
Taxable Income
$60,000
Federal Tax
$8,114
Effective Rate
10.8%
Marginal Rate
22.0%
| Bracket | Rate | Taxable | Tax |
|---|---|---|---|
| $0 – $11,925 | 10.0% | $11,925 | $1,193 |
| $11,925 – $48,475 | 12.0% | $36,550 | $4,386 |
| $48,475 – $103,350 | 22.0% | $11,525 | $2,536 |
This calculator provides estimates for educational purposes only. It does not constitute tax advice. Consult a qualified tax professional for your specific situation.
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About this tool
Estimate your US federal income tax with this free tax calculator. Enter your filing status, gross income, and deduction type to see your estimated take-home pay, total tax owed, effective tax rate, and a bracket-by-bracket breakdown of how your income is taxed. Based on 2026 federal tax brackets with standard deduction amounts for all filing statuses. The calculator shows exactly how much of your income falls into each bracket so you can understand your marginal vs effective tax rate — a distinction that trips up most people. All calculations run in your browser. This tool provides estimates for educational purposes only and does not constitute tax advice.
How to use US Federal Tax Calculator
- Select filing status. Choose single, married filing jointly, married filing separately, or head of household.
- Enter income. Input your gross annual income.
- Choose deduction. Select standard or itemized deduction.
- View breakdown. See your take-home pay, total tax, and bracket-by-bracket breakdown.
Frequently Asked Questions
Federal income tax uses a progressive bracket system. Your income is split into portions taxed at different rates — the first portion at 10%, the next at 12%, and so on up to 37%. Only income within each bracket is taxed at that bracket's rate.
Your marginal rate is the bracket your last dollar of income falls into. Your effective rate is total tax divided by total income — it's always lower than your marginal rate because of progressive brackets. Someone in the 24% bracket might have an effective rate of only 15%.
For 2026, the standard deduction is $15,000 for single filers, $30,000 for married filing jointly, $15,000 for married filing separately, and $22,500 for head of household.
Itemize only if your total deductible expenses (mortgage interest, state/local taxes up to $10,000, charitable donations, medical expenses above 7.5% of income) exceed the standard deduction. About 90% of filers take the standard deduction.
No. This calculator covers federal income tax only. State income tax rates vary widely — some states like Texas and Florida have no income tax, while California's top rate is 13.3%. Your actual take-home will be lower after state taxes.
For single filers: 10% up to $11,925; 12% up to $48,475; 22% up to $103,350; 24% up to $197,300; 32% up to $250,525; 35% up to $626,350; 37% above that. Other filing statuses have different thresholds.
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