TALLIVOIncome Tax Calculator
Estimate your 2026 federal income tax by filing status — with your effective rate, marginal rate, and exactly how much falls in each bracket.
On a $100,000 income, a single filer owes about $13,170 in 2026 federal income tax — an effective rate of 13.2%, well under the 22% bracket the last dollar falls in.
That applies the $16,100 standard deduction, leaving $83,900 taxable. It excludes Social Security and Medicare, which are separate, and any state income tax.
How federal income tax is calculated
The U.S. uses a progressive system: income is sliced into brackets and each slice is taxed at its own rate. First we subtract your deduction (standard or itemized) and any pre-tax adjustments to get taxable income, then apply the 2026 brackets slice by slice.
Your effective rate is the total divided by your gross income — always lower than the marginal rate on your last dollar. This tool covers federal tax only; FICA and state tax are handled by the paycheck calculator.
Common questions
What's the difference between marginal and effective rate?
Should I take the standard deduction or itemize?
Does this include state income tax?
Which tax year does this use?
Income tax calculators by state
How we calculate this
2026 federal brackets and standard deductions from IRS Rev. Proc. 2025-32, applied marginally. Estimates only — not tax advice.
Where to go next
This is the annual federal picture. To see what actually lands in your account each pay period, run your take-home pay with FICA and your state's tax applied.
Investment profits do not follow these brackets. If you sold something this year, work out the tax on a stock sale, where long-term gains have their own rates — including the 0% bracket that catches people by surprise.
Estimates are for general informational purposes only and do not constitute tax advice. Actual tax depends on credits, additional income, and circumstances not modeled here. Consult a licensed tax professional.