Income Tax Calculator

Estimate your 2026 or 2025 federal income tax and payroll tax. See the IRS brackets applied band by band, your effective and marginal rates, and the new tips, overtime, and age-65 deductions.

Your income

Federal income tax and payroll tax. State tax is not included.

—

Wages and salary $

$0$100k$200k$300k$400k+

Other income $ Interest, dividends, side work. No payroll tax applied. Pre-tax contributions $ 401(k), HSA. Lowers income tax, not payroll tax. Itemized deductions $ Leave at 0 to take the standard deduction.

Age 65 or older You

—

Bracket by bracket

—

Rate	Band	Your income in it	Tax

—

Payroll tax, in full

Your half. An employer pays the same again on Social Security and Medicare.

Tax	Rate and base	Amount

The 2025–2028 deductions

New under the One Big Beautiful Bill Act, and available without itemising.

Deduction	Cap and phase-out	Yours

—

Tips, overtime, car loan interest and withholding

Qualified tips $ Included in wages above. Deductible up to $25,000. Overtime premium $ Deductible up to $12,500. Car loan interest $ US-assembled vehicle, loan after 2024. Up to $10,000. Already withheld $ Federal income tax only, from your pay stub.

Estimate your federal income tax and payroll tax for 2026 or 2025, using the IRS brackets and standard deduction for your filing status. You’ll see the tax taken out of each bracket rather than one total, what your payroll tax is made of, and which of the new tips, overtime, car-loan, and age-65 deductions you qualify for.

Your income

Bracket by bracket

Payroll tax, in full

The 2025–2028 deductions

The same income, both years

Related calculators