Federal & State Income Tax Calculator & Brackets

Written by AllinPlus Editorial Team, Technical Research & Engineering Board

Published Jul 19, 2026 • Last reviewed: Jul 19, 2026

Estimate your annual income tax liability based on the latest federal and state tax brackets. Calculate your effective tax rate and estimated take-home pay.

Educational Tool Only This is an educational calculator; not financial, tax, investment, or lending advice. Outcomes are estimates based strictly on your inputs.

Gross annual income ($)

Filing status

State

Deduction method

Tax year 2026 · Rev. Proc. 2025‑32

Estimated take-home pay

—

Effective rate: —

Federal income tax—

State income tax—

Federal marginal bracket—

State marginal bracket—

Total tax—

How each dollar of gross income is allocated.

Federal brackets and standard deductions are the official 2026 IRS inflation adjustments (Rev. Proc. 2025‑32 / OBBBA). State figures are drawn from Tax Foundation's 2026 state-by-state bracket tables; several states use credits or exemptions instead of a standard deduction, which this tool approximates as a deduction for simplicity. This ignores payroll (FICA/Medicare) tax, local/city income tax, and credits — it's a planning estimate, not a return. Verify with irs.gov and your state's Department of Revenue.

How to Use

Step 1: Enter your gross annual income.
Step 2: Select your filing status (e.g., Single, Married Filing Jointly).
Step 3: Input any standard or itemized deductions.
Step 4: Review your estimated total tax liability and net income.

Example Calculation

Scenario: A single filer earning $75,000 using the standard deduction.

Income: $75,000
Status: Single
Deduction: $14,600

Result: Taxable Income: $60,400. Effective Tax Rate: ~12%.

Subtracting the standard deduction reduces your taxable income, which is then progressively taxed through the 10%, 12%, and 22% marginal brackets.

Frequently Asked Questions

What is the difference between marginal and effective tax rates?

Your marginal rate is the highest bracket your last dollar falls into. Your effective rate is the average percentage of total tax paid on your entire income.

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Want to understand how marginal brackets and standard deductions actually work? Read our 2026 federal and state income tax guide.

Read Article

Federal & State Income Tax Calculator & Brackets

How to Use

Example Calculation

Frequently Asked Questions

What is the difference between marginal and effective tax rates?

Related Resources

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