Federal Tax Calculator
Estimate your 2026 federal tax, FICA, effective rate, and take-home pay.
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Understanding Federal Tax
The US uses progressive brackets — only income within each bracket is taxed at that rate.
2026 Brackets (Single)
| Rate | Range |
|---|
| 10% | $0 – $11,600 |
| 12% | $11,601 – $47,150 |
| 22% | $47,151 – $100,525 |
| 24% | $100,526 – $191,950 |
| 32% | $191,951 – $243,725 |
| 35% | $243,726 – $609,350 |
| 37% | $609,351+ |
Tax-Saving Tips
- Max 401(k) contributions
- Use HSA for triple tax benefits
- Harvest investment losses
- Consider Roth conversions in low-income years
- Bundle charitable donations