Tax Calculator

How much federal income tax will you pay? Put in your yearly income and filing status and this tax calculator works it out for 2026 — your tax, your effective tax rate, and the bracket your last dollar falls in.

Example filled in: $80,000 a year, single. Change any number below to run your own income.

How to use this tax calculator

Enter your annual income before tax.
Choose your filing status — single, married filing jointly, or head of household.
Add any other deductions, if you have them.
The tax calculator takes off the standard deduction, works out your taxable income, and applies the simplified 2026 federal brackets.

Formula

Taxable income = annual income − standard deduction ($16,100 single / $32,200 married filing jointly / $24,150 head of household in 2026) − other deductions. Federal tax is then figured from the simplified 2026 brackets: 10% up to $12,400, 12% to $49,800, 22% to $103,350, 24% to $197,300, 32% to $250,525, 35% to $626,350, and 37% above that, for a single filer. Effective tax rate = tax ÷ income. Your marginal bracket is the rate on your last dollar of taxable income.

Worked example — how much tax will I pay on $80,000?

$80,000 a year, single: the standard deduction is $16,100, so taxable income is $63,900. The tax is 10% on the first $12,400 ($1,240), 12% on the next $37,400 ($4,488), and 22% on the last $14,100 ($3,102) — a total of $8,830. The effective tax rate is 11.04%, the marginal bracket is 22%, and after-tax income is $71,170. Check it above: the tax calculator gives the same answer.

The same $80,000 filed as married filing jointly comes to $5,240 in tax, an effective rate of 6.55%, because the standard deduction is $32,200 and the brackets are wider. On $50,000 a year, single, the tax is $3,820 (7.64% effective, 12% marginal). On $120,000 a year, single, the tax is $17,641 (14.70% effective, 24% marginal).

Frequently asked questions

How much tax will I pay on $80,000?

On $80,000 a year, single, federal income tax is $8,830 in 2026, using the standard deduction of $16,100. That is an effective tax rate of 11.04%. Married filing jointly, the same income comes to $5,240. Put your own income in the tax calculator above for your exact figure.

How much tax will I pay on $50,000?

On $50,000 a year, single, federal income tax is $3,820 in 2026 — an effective rate of 7.64% and a 12% marginal bracket. The standard deduction of $16,100 leaves $33,900 of taxable income.

What is the difference between my marginal rate and my effective rate?

Your marginal rate is the rate on your last dollar — 22% on $80,000 a year, single. Your effective rate is your total tax divided by your total income — 11.04% on the same pay. The effective rate is always lower than the marginal rate, because the lower brackets tax the first part of your income at 10% and 12%.

Is this tax calculator exact?

No — it is an estimate using simplified 2026 brackets and the standard deduction. Real tax depends on your full return: credits, other income, and itemized deductions can all change the number. Use it to plan, not to file.

Does this include state tax or Social Security?

No. This page figures federal income tax only. Social Security is 6.2% of wages up to $184,500 and Medicare is 1.45%, and state tax depends on where you live — use the state tax calculator for that part.

How do I calculate my federal tax by hand?

Take your income, take off the standard deduction for your filing status, and apply the brackets to what is left, lowest rate first. The worked example above does it step by step for $80,000, and the guide to federal tax brackets explains each step.

Sources and 2026 figures. IRS Publication 15-T; IRS Rev. Proc. 2025-32. Standard deduction 2026: $16,100 single / $32,200 married filing jointly / $24,150 head of household. Social Security wage base 2026: $184,500. Social Security 6.2%, Medicare 1.45% (+0.9% over $200,000). Results are estimates, not tax advice.

Estimate, not tax advice. This site uses simplified 2026 tables for illustration. Check your figures against IRS Publication 15-T and a tax professional.