2026 income tax · free calculators
How much tax will you actually pay?
Put in your income and get your 2026 federal and state income tax in seconds. Free, no sign-up. Every number comes with the math and the official source behind it, so you can check it yourself.
What's going on with your money?
I get a regular paycheck
See your federal tax for the year, or every tax added together.
I'm starting a job or filling out a W-4
The W-4 is the form that tells your employer how much tax to hold back from each paycheck.
I got a raise or a bonus
Find out how much of the extra money you keep. A higher tax rate only applies to the extra dollars.
I work for myself
Work out the extra tax freelancers pay, and how much to send in each quarter.
I'm moving, or comparing states
See what each state would take from the same income.
I sold investments, or I'm moving retirement money
See the tax on a sale, or on moving savings into a Roth account.
I'm saving in a 401(k), IRA or HSA
See how much tax a contribution saves you this year.
All 15 calculators
Where the numbers come from
The rates on this site come from the government documents that set them, and every calculator page links to the ones it uses.
- Federal tax brackets and the standard deduction
- IRS Rev. Proc. 2025-32
- Tax held back from paychecks
- IRS Publication 15-T
- Self-employment tax
- IRS Schedule SE instructions
- Quarterly estimated payments
- IRS Publication 505
- Extra tax on investment income
- IRS Form 8960 instructions
- State income tax
- Each state's own revenue department, all 51
Federal figures last reviewed July 2026. 8 states have an open question we could not settle against the state's own tables. Each is marked on the state table with the reason, not guessed.
Informational only, not professional tax advice. These calculators do arithmetic on the numbers you enter. They do not know your full situation.
Guides
All guides →- Why the 2026 Tax Brackets Kept the Same Rates (and What Still Changed)The 2026 federal brackets keep the same 10%–37% rates as 2025 — the scheduled reset to pre-2018 rates never happened. Here's the law that made that permanent, and the IRC §1(f) mechanism that still moves every bracket's dollar threshold each year.
- 401(k) vs. HSA: Which Pre-Tax Contribution Saves You More TaxA traditional 401(k) contribution only escapes federal income tax, but an HSA contribution made through payroll also escapes Social Security and Medicare tax — a gap that's largest below the Social Security wage base and never fully closes above it.
- Safe Harbor vs. Full Liability: Which Quarterly Estimated Tax Rule Protects YouThe IRS offers two safe harbors for quarterly estimated tax — 90% of your current-year liability or 100% of last year's — and choosing the wrong one triggers penalties. This guide shows which rule applies to your income level and situation.