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2026 TCJA Brackets

Income Tax Calculator 2026

Calculate your federal income tax, state tax, FICA, and self-employment tax with 2026 updated brackets. See your effective rate and take-home pay instantly.

100% FreeAll 50 StatesW-2 & 1099Instant Results
$75,000
$0

Total Tax

$13,808

Effective Rate: 18.4%

Take-Home (Annual)

$61,193

Monthly: $5,099

Marginal Rate

22%

Single

Federal Tax Bracket Breakdown

10% bracket$11,925.00 taxed → $1,192.50
12% bracket$36,550.00 taxed → $4,386.00
22% bracket$11,325.00 taxed → $2,491.50
Federal Income Tax$8,070.00

Tax Summary

Total Income$75,000
Deduction (Standard)−$15,200
Taxable Income$59,800
Federal Income Tax$8,070
FICA (SS + Medicare)$5,738
State Tax (Texas)$0
Total Tax$13,808

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How It Works

1

Enter Your Income

Input your W-2 salary and optional 1099 self-employment income.

2

Select Your Details

Choose filing status, state, and standard or custom deduction.

3

See Your Tax Breakdown

Get federal bracket visualization, state tax, FICA, and take-home pay.

2026 Federal Income Tax Brackets

To calculate taxable income for 2026, start with gross income, subtract the standard deduction or itemized deductions, then apply the federal bracket rates below. This calculator also estimates FICA, self-employment tax, and state income tax where applicable.

RateSingleMarried Filing JointlyHead of Household
10%$0 – $11,925$0 – $23,850$0 – $17,000
12%$11,926 – $48,475$23,851 – $96,950$17,001 – $64,850
22%$48,476 – $103,350$96,951 – $206,700$64,851 – $103,350
24%$103,351 – $197,300$206,701 – $394,600$103,351 – $197,300
32%$197,301 – $250,525$394,601 – $501,050$197,301 – $250,500
35%$250,526 – $626,350$501,051 – $751,600$250,501 – $626,350
37%$626,351+$751,601+$626,351+

2026 Standard Deductions

Single

$15,200

Married Filing Jointly

$30,400

Head of Household

$22,800

States With No Income Tax

AlaskaFloridaNevadaNew HampshireSouth DakotaTennesseeTexasWashingtonWyoming

Residents of these states pay zero state income tax, meaning only federal taxes and FICA/SE tax apply.

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Sources and Accuracy Notes

CalcFirst uses published federal tax rates, standard deduction assumptions, FICA rules, and simplified state tax models to provide an educational estimate. It does not include every credit, phaseout, AMT rule, local tax, or filing-specific adjustment.

IRS 2026 tax inflation adjustments

Educational only. For filing decisions, use IRS-approved tax software or consult a qualified tax professional.

Frequently Asked Questions

The 2026 federal income tax brackets follow the TCJA rates made permanent by the One Big Beautiful Bill Act. There are 7 brackets: 10%, 12%, 22%, 24%, 32%, 35%, and 37%. For single filers, the 10% bracket applies to income up to $11,925, the 12% bracket covers $11,926–$48,475, and the top 37% bracket kicks in above $626,350. Married Filing Jointly thresholds are roughly double.
For 2026, the standard deduction is $15,200 for Single filers, $30,400 for Married Filing Jointly, and $22,800 for Head of Household. Most taxpayers benefit from taking the standard deduction rather than itemizing, since the SALT deduction cap is $40,000.
Self-employment (SE) tax is 15.3% — split into 12.4% for Social Security and 2.9% for Medicare. However, it's calculated on only 92.35% of your net SE income, not 100%. The Social Security portion applies only up to the wage base of $176,100. An additional 0.9% Medicare tax applies to earnings above $200,000 (single) or $250,000 (MFJ). You can deduct 50% of your SE tax from your adjusted gross income.
Your marginal tax rate is the rate applied to your last dollar of income — the highest bracket you fall into. Your effective tax rate is the average rate across all your income (total tax divided by total income). For example, if you earn $75,000 as a single filer, your marginal rate is 22%, but your effective federal rate is around 12.5% because your first $11,925 is taxed at just 10%.
Nine states have no state income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. If you live or work in one of these states, you only pay federal income tax and FICA/SE tax, which can save you 5–13% depending on which taxing state you'd otherwise be in.
FICA (Federal Insurance Contributions Act) tax for W-2 employees is split between you and your employer. Your share is 7.65%: 6.2% for Social Security (on wages up to $176,100) and 1.45% for Medicare (no cap). An additional 0.9% Medicare tax applies to wages above $200,000. Your employer pays a matching 7.65%, but that doesn't come out of your paycheck.
The Tax Cuts and Jobs Act (TCJA) rates were made permanent in 2025 by the One Big Beautiful Bill Act (OBBBA). This means the lower individual rates (10%–37%) continue indefinitely. The SALT deduction cap was raised from $10,000 to $40,000. The standard deduction remains elevated. Without this legislation, rates would have reverted to pre-2018 levels with a top rate of 39.6%.
This calculator provides estimates based on 2026 federal tax brackets, standard/itemized deductions, FICA rates, self-employment tax rules, and state income tax rates. It covers all 50 states and D.C. However, it does not account for every credit, exemption, or deduction (such as QBI deduction, child tax credits, or AMT). For precise filing, consult a tax professional or use IRS-approved software.

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