Federal Income Tax Calculator (2026)
Calculate your federal income tax on a given taxable income, with a clear bracket-by-bracket breakdown.
Federal income tax $11,212.00
Effective rate 14.95%
Marginal rate 22%
How it's calculated
Income is taxed in layers: the first dollars at 10%, the next band at 12%, and so on. Your effective rate is total tax divided by income; your marginal rate is the bracket your last dollar falls in.
Assumptions
- Uses 2026 federal ordinary-income brackets. — IRS Rev. Proc. 2025-32
- Applies to taxable income (after deductions); does not compute deductions or credits.
Last updated: 2026-08-07 · Tax year 2026
These assumptions follow our general methodology.
Frequently asked questions
Why is my effective rate lower than my bracket?
Because only the income inside your top bracket is taxed at that rate. Everything below is taxed at the lower bracket rates.
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