Income Tax Calculator
Estimate federal income tax and withholding balance using explicit tax-year assumptions.
Estimate a 2025 or 2026 federal tax liability with ordinary income, capital gains, deductions, and credits.
Result
For tax year 2026, estimated federal income tax is $8,770.00. Entered withholding and estimated payments exceed that estimate by $1,230.00. This federal estimate does not include state/local income tax and is not a complete take-home-pay calculation.
Tax year 2026; federal rules only. State and local income tax are not calculated as a tax return.
Sources: IRS annual inflation adjustments and Schedule 1-A; published 2026 rules reviewed October 19, 2026.
Eligibility for tips, overtime, vehicle interest, dependents, and entered deductions must be satisfied. Education credit type and refundable eligibility must be selected for each student. Dependent-care credit is limited by earned income and entered qualifying expenses. EITC, foreign-tax credits and other credits must be entered explicitly.
AMT includes standard/SALT add-back plus your supplied adjustments. QBI is an optional simplified calculation without wage/property or specified-service-business limitations.
Calculation details
Scroll horizontally or vertically to see more. Download CSV for the complete schedule.
| Calculation | Amount |
|---|---|
| Gross income including Social Security | 80,000 |
| Taxable Social Security | 0 |
| Adjusted gross income | 80,000 |
| Deduction used | 16,100 |
| Non-itemizer cash gift deduction | 0 |
| Additional qualified deductions | 0 |
| Eligible QBI deduction | 0 |
| Taxable income | 63,900 |
| Regular income tax | 8,770 |
| Additional alternative minimum tax | 0 |
| Eligible nonrefundable education credit | 0 |
| Eligible dependent-care credit | 0 |
| Nonrefundable credits applied | 0 |
| Refundable child credit | 0 |
| Self-employment tax | 0 |
| Additional Medicare tax | 0 |
| Net investment income tax | 0 |
| Employee Social Security | 4,960 |
| Employee Medicare | 1,160 |
How to use this calculator
Estimate a 2025 or 2026 federal tax liability with ordinary income, capital gains, deductions, and credits. Enter amounts in the units shown, select the applicable options, and click Calculate. Use Reset to restore the starting values.
Calculation formula
Progressive ordinary tax + preferential capital-gains tax + applicable additional taxes − credits.
Assumptions and accuracy
Review timing, rates, fees and result notes when comparing scenarios. Future returns and rates are assumptions rather than guaranteed outcomes. Monetary display follows the currency’s precision; intermediate calculations retain additional digits.
Year-specific parameters are documented in the calculation notes. Rule eligibility and individual circumstances can change the result.
Choose what to calculate
Federal income tax calculator
Estimate federal income tax using filing status, income, deductions and selected credits. This is not a complete state return or a filing service.
Related searches: 2026 federal income tax calculator with deductions
Open this calculation2026 tax calculator
Estimate federal income tax using filing status, income, deductions and selected credits. This is not a complete state return or a filing service.
Open this calculationUnderstanding this calculation
A federal income tax estimate starts with income, subtracts applicable deductions and applies the selected year’s ordinary and preferential tax rules and entered credits.
Worked examples
A basic 2026 single wage-earner estimate
2026; Single; $80,000 wages; no additional income, deductions or credits; under age 65.
- Standard deduction = 16100; taxable income = 80000 − 16100 = 63900.
- Tax = 12400 × 10% + (50400 − 12400) × 12% + (63900 − 50400) × 22%.
Estimated federal income tax is $8,770. Employee Social Security and Medicare are separate payroll taxes.
Try these inputsCommon questions
Is my marginal rate applied to all income?
No. Under progressive ordinary brackets, each slice of taxable income is taxed at its bracket’s rate. Preferential income and credits can change the calculation.
Is annual tax the same as paycheck withholding?
No. Tax liability estimates what is owed for the year; withholding is money paid during the year and depends on payroll rules and elections.
Scope and assumptions
Supports selected 2025/2026 federal rules under the inputs shown. It is not a complete tax return or state/local tax engine. QBI, AMT, credit eligibility, separate-return elections and special income require the stated assumptions to be checked.
Sources
- IRS: Revenue Procedure 2025-32 and 2026 inflation-adjusted tax parameters
- IRS: Schedule 1-A qualified deductions
Calculation notes checked . Examples are mathematical checks under the stated assumptions.
Calculation methods and formulas
Federal Income Tax
Estimate a 2025 or 2026 federal tax liability with ordinary income, capital gains, deductions, and credits.
Progressive ordinary tax + preferential capital-gains tax + applicable additional taxes − credits.
See our calculation methodology and review status for data versions, rounding and validation limitations.