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Pay and taxes

Federal income tax

$9,870
Deduction used
$16,100
Taxable income
$68,900
Overall tax rate
11.6%
Rate on your last slice of income
22%
Income left after federal tax
$75,130

A general estimate from the published rules for the year shown, not tax advice. Your own return may differ.

Uses the 2026 US federal tax brackets and standard deductions from the IRS.

Income Tax Calculator

See roughly how much federal income tax a given income comes to for the 2026 tax year, by filing status, and how that compares with the income itself.

This is an unofficial estimate from published rules, for planning only. It leaves out self-employment tax, other taxes and state tax. The IRS publishes the brackets and the forms on its website.

How it works

Start with income, subtract adjustments such as IRA contributions, then subtract the larger of the standard deduction for your filing status or your itemized deductions. What is left is taxable income.

Taxable income is split into bands. Each band is taxed at its own rate, from 10% up to 37%, and the pieces are added up. Credits are then taken off the tax itself. The overall rate is the tax divided by income, and the top rate is the rate on your last slice of income.

Worked example

With $85,000.00 of income and $0.00 of adjustments, the deduction is $16,100, so $68,900 is taxable. The federal tax comes to about $9,870 after credits. That is 11.6% of income overall, and the last slice is taxed at 22%. About $75,130 remains before state and other taxes.

Questions

Why is the overall rate lower than the top rate?

Only the slice of income inside a band is taxed at that band's rate. The first slices are taxed at lower rates, so the average comes out lower.

Should I use the standard or itemized deduction?

The calculator uses whichever is larger. Leave itemized at 0 to use the standard deduction for your filing status.

What counts as income here?

Enter your total income for the year, such as wages, interest and taxable retirement income. Social Security benefits are only partly taxed, so include only the taxable part.

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