Income Tax Calculator
See your 2026 federal income tax, your effective and marginal rates, and a clear bracket-by-bracket breakdown of how each part of your income is taxed.
Federal brackets · effective & marginal rate · optional state.
On $83,900 taxable income ($100,000 − $16,100 standard deduction). Effective rate 13.2%, top marginal rate 22%.
How this calculator works
It subtracts your pre-tax deductions and either the standard or your itemized deduction to find your taxable income, then runs it through the 2026 federal brackets, taxing each tier of income at its own rate. The result is your federal tax, your marginal rate (the rate on your last dollar), and your effective rate (total tax over income).
The bracket bar shows exactly how your income fills each tier, which makes it clear why moving into a higher bracket doesn't raise the tax on your whole income, only the part above the threshold.
See income taxed in each tier, not just a total.
Marginal and effective, side by side.
Standard, itemized, and pre-tax contributions.
Add your state income tax for a combined rate.
Good to know
This is income tax only, it doesn't include Social Security or Medicare (FICA). For full take-home, use the paycheck calculator.
It uses the standard deduction unless your itemized total is higher, and doesn't model tax credits, the QBI deduction, AMT, or capital-gains rates.
Comparing a move? The optional state add-on shows how your combined rate changes by state.
It's an estimate, not tax advice.
Frequently asked questions
Marginal vs. effective rate?+
How do brackets work?+
2026 standard deduction?+
Does it include FICA?+
See the full picture
Go from income tax to full take-home and beyond.
Sources and limits
Tax figures come from IRS and state government publications (2026 rules, checked October 13, 2026). Written and maintained by Relocation By Numbers. Sources and limits reviewed October 13, 2026. Found a mistake? Tell us in the feedback box below. Full methodology
Sources
- IRS Rev. Proc. 2025-32: 2026 tax brackets and standard deduction
- State income tax rules: the state agency or legislature documents listed by state
Not included
- Federal income tax only (state is an optional add-on); no Social Security or Medicare tax.
- No credits, qualified business income deduction, alternative minimum tax or capital-gain rates.
- Single and married-filing-jointly only; no head of household or married filing separately.
- Local income taxes cover a resident who works in the same city; commuter taxes and credits for tax paid to another city are not included.