Rex says
Money math without the spreadsheet headache. Plug in your numbers and I'll show you exactly where the dollars land.
Try a scenario
Click to load — tweak from there.Inputs
Leave 0 to use the standard deduction
401(k), HSA, FSA
Result
Estimated federal tax
$10,754
Taxable income
$72,000
Marginal bracket
22%
Effective tax rate
11.32%
After federal tax
$76,246
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One click, a permanent link with your numbers baked in.
How to use this
- 1Enter gross annual income ($).
- 2Enter filing status.
- 3Enter itemised deductions ($) — Leave 0 to use the standard deduction.
- 4Enter pre-tax contributions ($) — 401(k), HSA, FSA.
- 5Read your estimated federal tax on the right — it updates as you type.
- 6Hit Share to keep the scenario or send it to someone.
About this calculator
Applies the 2026 federal brackets to your income after the standard or itemised deduction. Your marginal rate is the rate on your next dollar; your effective rate is what you actually pay overall — they are never the same number.
Worked example
Using the values the calculator loads with:
Inputs
- Gross annual income: 95000 $
- Filing status: Single
- Itemised deductions: 0 $
- Pre-tax contributions: 8000 $
Results
- Estimated federal tax: $10,754.00
- Taxable income: $72,000.00
- Marginal bracket: 22%
- Effective tax rate: 11.32%
- After federal tax: $76,246.00
What each field means
Inputs
- Gross annual income ($)
- The gross annual income used in the calculation, measured in $. Starts at 95000 $ so you have a working example on load.
- Filing status
- Pick the option that matches your situation — the maths changes per option. Choices: Single, Married filing jointly.
- Itemised deductions ($)
- Leave 0 to use the standard deduction
- Pre-tax contributions ($)
- 401(k), HSA, FSA
Results
- Estimated federal tax
- Returned as a money amount in US dollars and shown as the headline result. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Taxable income
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Marginal bracket
- Returned as a percentage. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Effective tax rate
- Returned as a percentage. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- After federal tax
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
FAQ
How does the federal income tax calculator work?
Applies the 2026 federal brackets to your income after the standard or itemised deduction. Your marginal rate is the rate on your next dollar; your effective rate is what you actually pay overall — they are never the same number. The underlying maths is: Taxable income = Gross − deductions. Tax is applied progressively bracket by bracket.
What do I need to enter?
4 values: gross annual income, filing status, itemised deductions, and pre-tax contributions. Each field starts with a sensible default, so you can change one number at a time and watch the result move.
What does the estimated federal tax result mean?
It is returned as a money amount in US dollars and updates live as you edit the inputs, so you can compare two or three versions of a scenario in a few seconds.
Is this calculator free, and do I need an account?
Yes, it's free, and no account is required. Nothing you type is stored on our servers — the maths runs entirely in your browser.
How accurate is the result?
It applies the standard formula exactly, so the arithmetic is precise. Results are estimates before tax, fees, and inflation unless an input explicitly covers them.
Who is this tool for?
It's built for anyone comparing money scenarios before committing — budgeting a payment, sanity-checking a quote, or seeing what a change in rate or term actually costs.
Accuracy and limitations
- Results are estimates before tax, fees, and inflation unless an input explicitly covers them.
- Rates are treated as fixed for the whole period — variable-rate products will drift from this projection.
- This is educational maths, not financial advice. Check anything contractual with the lender or your accountant.
Related tools
Cite this calculator
Writing about this topic? Grab a citation — every link helps keep these tools free.
RevenueLab. (2026). Federal Income Tax Calculator. Retrieved from https://www.revenuelab.fyi/toolbox/income-tax
<p>Source: <a href="https://www.revenuelab.fyi/toolbox/income-tax" target="_blank" rel="noopener">Federal Income Tax Calculator — RevenueLab</a> (2026).</p>
Source: [Federal Income Tax Calculator — RevenueLab](https://www.revenuelab.fyi/toolbox/income-tax) (2026).