Free Tax Tool · 2026 IRS Brackets
US Federal Income Tax Calculator
Estimate your 2026 federal income tax, effective rate, and marginal bracket — updated for the latest IRS inflation adjustments.
Quick Answer: A single filer earning $80,000 in 2026 owes approximately $11,678 in federal income tax — an effective rate of 14.6% — after the $16,100 standard deduction. The marginal bracket is 22%.
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2026 Federal Tax Brackets (IRS)
Updated for IRS Rev. Proc. 2025-61 inflation adjustments. Tax is progressive — you only pay each rate on income within that bracket.
| Rate | Single Filer | Married Filing Jointly |
|---|---|---|
| 10% | $0 – $12,400 | $0 – $24,800 |
| 12% | $12,401 – $50,400 | $24,801 – $100,800 |
| 22% | $50,401 – $105,700 | $100,801 – $211,400 |
| 24% | $105,701 – $201,775 | $211,401 – $403,550 |
| 32% | $201,776 – $256,225 | $403,551 – $512,450 |
| 35% | $256,226 – $640,600 | $512,451 – $768,850 |
| 37% | Above $640,600 | Above $768,850 |
Standard deduction 2026: Single $16,100 | MFJ $32,200 | HOH $24,150. Source: IRS Rev. Proc. 2025-61.
Frequently Asked Questions
What is the federal income tax rate for 2026?
The 2026 federal income tax has seven brackets: 10%, 12%, 22%, 24%, 32%, 35%, and 37%. Most middle-income single filers fall into the 22% marginal bracket. Your effective rate — total tax divided by gross income — is always lower than your marginal rate because each bracket only taxes income within its range.
What is the standard deduction for 2026?
The 2026 standard deduction is $16,100 for single filers, $32,200 for married filing jointly, and $24,150 for head of household. These are updated annually for inflation. Most Americans take the standard deduction rather than itemizing.
How do 401k contributions reduce my tax?
Traditional 401k contributions are pre-tax, reducing your adjusted gross income dollar for dollar. In 2026, you can contribute up to $23,500 ($31,000 if 50+). A $23,500 contribution for a single filer in the 22% bracket saves approximately $5,170 in federal income tax.
Does this calculator include FICA (Social Security and Medicare)?
This calculator covers federal income tax only. Social Security tax is 6.2% up to $184,500 in wages (2026 wage base), and Medicare is 1.45% on all wages, with an additional 0.9% on income above $200,000 for single filers. Use our RSU Tax Calculator for a full FICA + income tax breakdown.
📋 Disclaimer: This calculator provides educational estimates for 2026. It does not account for tax credits, AMT, self-employment tax, state taxes, or all deductions. Consult a licensed CPA or tax advisor for personalized advice. Source: IRS Rev. Proc. 2025-61.