Estimate your 2026 US federal income tax, FICA (Social Security and Medicare) and effective tax rate using the official IRS brackets and standard deduction.
Estimate only — not tax advice. This tool estimates 2026 US federal income tax and FICA using the standard deduction and official IRS figures. It excludes state taxes, itemized deductions, tax credits, and self-employment tax, and it is not a substitute for professional tax advice. Verify with the IRS or a tax professional.
This tool estimates your 2026 US federal income tax and FICA payroll taxes (Social Security and Medicare) from your wages, filing status and pre-tax deductions. It applies the official IRS 2026 tax brackets and standard deduction, so the estimate reflects current-year law.
It computes taxable income (wages minus pre-tax deductions minus the standard deduction), walks it through the progressive brackets, then adds Social Security (6.2% up to the wage base), Medicare (1.45% on all wages, plus a 0.9% surtax above $200,000). It reports your marginal bracket and your effective rate.
It covers federal income tax + FICA using the standard deduction. It does not include state income tax, itemized deductions, tax credits (such as the Child Tax Credit or EITC), the Additional Medicare surtax nuances for joint filers, or self-employment tax. Treat it as a planning estimate. For authoritative figures see IRS.gov.
This is the maintained data block. It reflects official IRS figures for tax year 2026 (IRS Rev. Proc. 2025-32 (tax year 2026) and SSA 2026 wage base). These numbers change annually — see the update note below.
| Filing status | Standard deduction |
|---|---|
| Single / married filing separately | $16,100 |
| Married filing jointly | $32,200 |
| Rate | Taxable income |
|---|---|
| 10% | $0 – $12,400 |
| 12% | $12,400 – $50,400 |
| 22% | $50,400 – $105,700 |
| 24% | $105,700 – $201,775 |
| 32% | $201,775 – $256,225 |
| 35% | $256,225 – $640,600 |
| 37% | over $640,600 |
| Rate | Taxable income |
|---|---|
| 10% | $0 – $24,800 |
| 12% | $24,800 – $100,800 |
| 22% | $100,800 – $211,400 |
| 24% | $211,400 – $403,550 |
| 32% | $403,550 – $512,450 |
| 35% | $512,450 – $768,700 |
| 37% | over $768,700 |
| Component | Rate / limit |
|---|---|
| Social Security | 6.2% on wages up to $184,500 |
| Medicare | 1.45% on all wages |
| Additional Medicare | 0.9% on wages over $200,000 |
Maintenance note (for the site owner): update these figures each December/January when the IRS publishes the new tax year's brackets, standard deduction and the SSA wage base, then rebuild. Sources: IRS 2026 inflation adjustments, SSA contribution & benefit base.