Income Tax Calculator

The calculator works the way a tax return does, in the same order. It starts with your gross income, subtracts pre-tax money going into a traditional 401(k) or HSA, then removes either the standard deduction for your filing status or the itemized total you enter. What survives that is your taxable income, and only that figure meets the brackets.

Those brackets are then applied one slice at a time. For a single filer in 2026, the first $12,400 is taxed at 10%, the next slice up to $50,400 at 12%, and so on through all seven rates. Nothing jumps: moving into a higher bracket only changes the rate on the dollars above that line, never on what you already earned. The breakdown table prints each slice with the income it holds and the tax it produces, which is the clearest way to see why your effective rate lands well under your top bracket.

Credits come last, because they cut the tax bill rather than the income. Each child under 17 removes $2,200 and each other dependent $500, both reduced by $50 for every $1,000 of income above $200,000, or $400,000 filing jointly. Filers aged 65 or older also pick up the extra standard deduction and the temporary $6,000 senior deduction, which phases out above $75,000.

The 2026 bracket, deduction, and credit figures come from IRS Revenue Procedure 2025-32. The 2025 figures use the amounts as revised by the One Big Beautiful Bill Act. All arithmetic runs in your browser, so nothing you type is uploaded.