Income Tax Calculator
Last updated: June 2026 · Free · No sign-up required
Enter values above and click Calculate to see your result instantly.
Quick reference
2025 federal brackets for single filers (returns generally filed in 2026):
| Rate | Taxable income bracket |
|---|---|
| 10% | $0 – $11,925 |
| 12% | $11,925 – $48,475 |
| 22% | $48,475 – $103,350 |
| 24% | $103,350 – $197,300 |
| 32% | $197,300 – $250,525 |
| 35% | $250,525 – $626,350 |
| 37% | Over $626,350 |
savings Plan with confidence
Finance decisions get a lot easier when you can see the full picture. Enter your numbers above to see total payments, interest paid, and the long-term cost of every choice — so you can compare options side by side before signing anything.
percent How the math works
We use the standard amortization, compound-interest and present-value formulas published by the Consumer Financial Protection Bureau and the Federal Reserve. The methodology block below shows every variable and rounding step we apply, so the answer is never a black box.
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lightbulb Pro tip
Save the URL after you calculate — your inputs aren't stored, so write down the headline number plus the breakdown. Then come back and edit one variable at a time (down payment, rate, term) to see exactly which lever moves your monthly figure the most. That's where the real planning happens.
Interpretation guide
| Tax concept | Meaning |
|---|---|
| Marginal rate | Rate on your next dollar of taxable income |
| Effective rate | Total tax divided by total income |
| Deduction | Reduces taxable income before brackets apply |
lightbulb A real-world example — 2026 federal income tax for single filer earning $75,000
Result: Federal tax: $11,587. Marginal rate (top dollar): 22%. Effective rate: 15.45%. After-tax take-home (just federal): $63,413.
What this means: The US uses a progressive bracket system — only the dollars above each threshold are taxed at the higher rate. In 2026: 10% up to $11,600, 12% to $47,150, 22% to $100,525, 24% to $191,950, etc. State tax, FICA (7.65% of wages), and any voluntary withholding are separate from this federal figure. For an accurate yearly estimate, also enter 401(k) contributions, HSA, and other above-the-line deductions to get a tighter pre-tax number.
Formula & methodology
Formula: Tax = sum of each bracket slice × that bracket rate
Progressive tax brackets tax only the income inside each bracket at that bracket rate. A higher bracket does not retroactively tax all prior income at the higher rate.
Authoritative source: Internal Revenue Service