Federal income tax
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2026 IRS brackets
Browser-only calculation 2026 tax year All 51 jurisdictions Live preview
2026 Federal & State Income Tax Calculator
Estimate your 2026 federal income tax, state income tax, FICA, and take-home pay. All calculations use official IRS and state Department of Revenue brackets and update live as you type.
Your inputs
Live preview
single · California
State income tax
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2026 state brackets
FICA / SECA
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payroll tax
Take-home pay
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after all taxes
Where your income lands, federal brackets
Each segment width is proportional to its bracket size up to $737K. Color intensity rises with the marginal rate. Your bracket is highlighted in amber.
- $0 → $12K 10.0%
- $12K → $50K 12.0%
- $50K → $106K 22.0% Your bracket
- $106K → $202K 24.0%
- $202K → $256K 32.0%
- $256K → $641K 35.0%
- $641K → + 37.0%
Marker shows taxable income (gross minus standard deduction). Amber segment is your federal marginal bracket.
Effective rate - · Federal marginal - · Combined top marginal -
Federal brackets are the same across all 51 jurisdictions. State tax (computed above based on your selection) layers on top.
Each segment width is proportional to its bracket size up to $737K. Color intensity rises with the marginal rate.
- $0 → $12K 10.0%
- $12K → $50K 12.0%
- $50K → $106K 22.0%
- $106K → $202K 24.0%
- $202K → $256K 32.0%
- $256K → $641K 35.0%
- $641K → + 37.0%
The seven federal brackets above apply to taxable income after standard deduction ($16,100 single / $32,200 married filing jointly). FICA payroll tax (7.65% employee share) applies to wages up to the $184,500 Social Security wage base, plus 1.45% Medicare uncapped. The live preview at the top of this page applies all three layers, federal income tax, state income tax, FICA, to your input.
Detailed 2026 Tax Breakdown
Gross income-
Standard deduction-
Taxable income-
Federal income tax-
State income tax-
FICA / SECA-
Total tax-
Take-home pay-
Effective rate-
Federal marginal rate-
State marginal rate-
Combined top marginal-
This is an estimate for tax year 2026 using gross income, the 2026 standard deduction, the official 2026 federal brackets, and the official 2026 state brackets. The estimate excludes itemized deductions beyond the standard deduction, tax credits (Child Tax Credit, EITC, etc.), the Alternative Minimum Tax (AMT), and capital gains preferential rates. For your actual filing, use a qualified tax professional.
How this calculator works
The calculator applies the 2026 marginal bracket schedules in three independent layers:
- Federal income tax. Your gross income minus the standard deduction is your taxable income. The federal marginal brackets from IRS Revenue Procedure 2025-32 are applied progressively, your first $12,400 (single) is taxed at 10%, the next slice at 12%, and so on up to 37% on amounts above $640,600.
- State income tax. Each state applies its own 2026 schedule to your taxable income. Nine states impose no tax on wage income. Sixteen apply a flat rate. The remaining twenty-five states plus DC use graduated brackets, see our state pages for each schedule.
- FICA (or SECA for self-employed). Social Security at 6.2% on the first $184,500 of wages (2026 SSA wage base), Medicare at 1.45% with no cap, plus 0.9% additional Medicare on wages above $200,000 (single) or $250,000 (married jointly). Self-employed workers pay both halves: 12.4% Social Security plus 2.9% Medicare = 15.3% on net SE income.
Your effective rate is total tax divided by gross income. Your marginal rate is the rate on your last dollar of taxable income. Effective is always lower than marginal in a progressive system. See our effective vs marginal rate guide for worked examples.
Every figure on PlainSalary is computed directly from official IRS, state Department of Revenue, and SSA tax data, no number is typed in by an editor. This calculator draws directly on IRS, state Department of Revenue, and SSA source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.