Financial

Income Tax Calculator

Estimate U.S. federal income tax, refund, or amount owed using 2025 and 2026 federal brackets.

Inputs

Defaults are prefilled so the result is visible immediately.

Tax year

Filing status

Gross income

Pre-tax deductions

Itemized deductions

Tax credits

Federal tax withheld

Results

Results update as the calculator inputs change.

Estimated refund

$1,690.00

Do not use this as tax advice; confirm high-stakes filing decisions with IRS guidance or a tax professional.

Taxable income

$70,900.00

Deduction used

$16,100.00

Federal tax after credits

$10,310.00

Effective tax rate

10.85%

Marginal bracket

22%

Formula and Assumptions

Taxable income = gross income - pre-tax deductions - max(standard deduction, itemized deductions); tax is applied progressively by bracket.

This is a federal estimate only and excludes payroll tax, state tax, AMT, and many specialized credits.

2026 standard deductions and marginal rates are based on IRS tax-year 2026 inflation adjustments announced October 9, 2025.

Reference Upgrade

Built from the Calculator.net model, with added context.

Defaults to the 2026 planning year and exposes the standard deduction used in the result.

Shows both tax owed and refund/amount-due position in one pass.

Keeps the estimate intentionally compact so users can audit every input.

Reference Model

Calculator.net's page focuses on U.S. federal tax planning with 2025 and 2026 values.

This version keeps the inputs compact, cites the reference model, and clearly separates taxable income, credits, withholding, refund, and amount due.

Default inputs: taxYear=2026, filingStatus=single, grossIncome=95000, preTaxDeductions=8000, itemizedDeductions=0, credits=0