🇺🇸 美国联邦税务计算器

Perfect for first-time users who want a fast picture of their tax situation.

1. In the Calculator tab, make sure you are in Quick Mode (the mode toggle sits at the top of that tab's content).
2. Select your filing status: Single, Married Filing Jointly, Married Filing Separately, or Head of Household.
3. Enter your wages — the amount in Box 1 of your W-2.
4. Click the "Calculate Tax" button.
5. Read the results: federal income tax, total tax, and your effective and marginal rates at a glance. To compare against your withholding and see the refund/owed figure, switch to Advanced Mode and fill in "Federal Tax Withheld."

Advanced Mode covers the main Form 1040 fields. Here is what each input means:

1. Wages & Salary: taxable wages from W-2 Box 1 (not your gross pay).
2. Self-Employment Income: net profit from 1099-NEC or Schedule C; check the box so the 15.3% SE tax is included.
3. Other Ordinary Income: interest, rental income, short-term capital gains, and anything else taxed at ordinary rates.
4. Long-Term Capital Gains: profit from assets held over one year, taxed separately at 0% / 15% / 20%.
5. Above-the-Line Deductions: traditional IRA contributions, student-loan interest, HSA contributions — these directly reduce AGI.
6. Deduction Type: standard by default; switch to "Itemized" to enter your own total and compare.
7. Number of Qualifying Children: children under 17 with SSNs, worth a $2,200 credit each.
8. Federal Tax Withheld: federal income tax already paid during the year (W-2 Box 2 plus any estimated payments).
9. Click calculate — the results panel breaks down income tax, FICA / SE tax, and your refund or balance due.

Save each calculation to track your tax picture across the year.

1. After a calculation, click "Save Record" and add a label (for example, "January 2026" or "Q1 Estimate").
2. Open the History tab to review every saved calculation; delete entries individually as needed.
3. Click "Download JSON" to save all records to a file; on another device or browser, restore them with "Upload JSON."
4. Open the Compare tab — a bar chart compares total tax, effective rate, and other metrics across your records.

Scenario: you are a freelance designer expecting $80,000 of net self-employment income in 2026 and need to size your quarterly estimated taxes.

1. Switch to Advanced Mode and choose "Single" as your filing status.
2. Leave wages at $0, enter 80000 in "Self-Employment Income," and tick the self-employment tax checkbox.
3. Enter 0 for withholding (assuming nothing prepaid yet) and click calculate.
4. Find the "Total Tax" figure in the results (income tax + self-employment tax).
5. Divide the total by four for a rough quarterly payment, due 4/15, 6/15, 9/15, and 1/15 via Form 1040-ES.

Scenario: you are a W-2 employee and want to confirm your 2026 withholding is on track, avoiding a surprise bill next April.

1. Take your most recent pay stub and annualize the year-to-date taxable wages (divide by the months elapsed, then multiply by 12).
2. In the calculator, switch to Advanced Mode, then enter the annualized wages and annualized withholding (annualize the year-to-date Box 2 amount the same way; the withholding field only appears in Advanced Mode).
3. Click calculate and compare "Total Tax" against your annualized withholding.
4. If withholding falls short by more than about $1,000, submit a new Form W-4 to your employer to increase it.
5. Recheck each quarter or after any raise to keep withholding aligned with your actual liability.

State Tax coverage spans all 50 states + DC, and each state now has its own dedicated page.

1. Click "State Tax" directly in the top navigation.
2. Click a state on the map, or choose one from the dropdown — this takes you to that state's own dedicated page (e.g. /california-tax-calculator/), with its own shareable, bookmarkable URL.
3. States with no income tax (like Texas or Florida) show a notice with a button to the federal calculator; the full federal calculator is still available further down the same page.
4. States with income tax: enter your annual wages, filing status, and other details, then click "Calculate My Tax."
5. Read the results: combined federal + state tax, combined effective rate, take-home pay (annual + monthly), and separate bracket breakdowns for both federal and state.
6. The map stays at the top of the page so you can jump to another state anytime — use "Compare Tax Years" there too for 2025 vs 2026 vs 2027.

Want to know what the same income costs you in tax last year, this year, and next — or deciding whether to place a large deductible expense this year or next? The multi-year comparison was built for exactly this, and now covers any combination of 2025 (official, final), 2026 (official), and 2027 (projected).

1. Open the Calculator tab and find the first field in the Income card, labeled "Tax Year" (2025 / 2026 / 2027; visible in both Quick and Advanced modes). Picking 2027 shows a yellow projection notice.
2. In the "Compare Tax Years" dropdown directly below it, pick a comparison set: 2025 vs 2026, 2026 vs 2027 (projected), or the full 2025 vs 2026 vs 2027 three-year view.
3. Fill in your income and deductions as usual and click Calculate.
4. Below the bracket breakdown, read the "Multi-Year Comparison" table: the selected years sit side by side as columns — applied deduction, taxable income, federal income tax, FICA/SE tax, total tax, effective rate, and refund/owed compared line by line, with a Δ column between each pair of adjacent years where green means better for you and red means worse.
5. Choose "No comparison" to return to a single-year result. To keep several cross-year scenarios in the What-If analysis, save each year's calculation as its own record — every record remembers its tax year, and 2027 rows are marked "(Est.)".

Before deciding "should I quit and freelance full time" or "should I take this offer", what you really want to know is how much the after-tax income differs between the two paths. Scenario comparison lets you calculate and save each situation, then read them line by line on the same page — no more copying numbers between two browser tabs.

1. On the Calculator tab, enter your current situation (say, W-2 wages of $85,000 with $10,000 withheld) and click Calculate.
2. Click Save Record at the bottom of the results and name the scenario in the popup — for example "W-2 job" — then confirm.
3. Change the inputs to the alternative: switch to Advanced mode, clear wages, enter $110,000 of self-employment income, tick "I am self-employed", set withholding to 0, then calculate and save again as "Full-time freelance".
4. Open the Compare tab from the top navigation — every saved record appears in the "What-If Scenarios" table further down the page.
5. Tick the Compare checkbox in the leftmost column of the "W-2 job" and "Full-time freelance" rows.
6. A Scenario Side-by-Side Detail expands right under the table: the top half compares the inputs of each scenario (tax year, filing status, each income type, withholding) and the bottom half the results (AGI, taxable income, federal tax, FICA/SE tax, total tax, effective and marginal rates, after-tax income, refund/owed). With exactly 2 scenarios selected, a Δ column on the right shows the differences — green means the second scenario is better for you.

This calculator uses the official 2026 federal tax figures published by the IRS in Revenue Procedure 2025-32, updated for the One Big Beautiful Bill Act (OBBBA): tax brackets, standard deduction amounts, FICA rates, the Social Security wage base, long-term capital gains thresholds, and the Child Tax Credit. Results are dependable estimates for education and planning, but they are not tax advice. For filing decisions, consult a qualified tax professional.

Our operating principle is simple: the numbers on this site always match the latest official figures. That rests on two things — primary sources only, and a fixed update calendar.

Sources (all primary and official): federal figures come from the IRS's annual Revenue Procedure inflation adjustments (e.g. Rev. Proc. 2025-32 for 2026) and from the text of tax legislation itself (e.g. the OBBBA enacted in July 2025); the Social Security wage base comes from the SSA's annual announcement; state rates and rules come from each state's Department of Revenue. We do not copy third-party summary tables.

Update calendar: ① Every October–November, once the IRS publishes the next year's Revenue Procedure and the SSA announces the wage base, we replace the site's "projected" figures with official ones within days (for example, the 2027 projections are expected to become official in October 2026); ② in December–January, as states finalize next-year rates and withholding tables, we verify and update the state module state by state; ③ when major legislation is signed (like OBBBA), affected figures are revised within days, with the FAQ and related articles updated in the same pass; ④ every quarter we run a full spot-check audit of the data set.

Current data status: 2025 = official and final (Rev. Proc. 2024-40 + OBBBA retroactive changes); 2026 = official (Rev. Proc. 2025-32 + OBBBA); 2027 = projected (replaced as soon as the IRS publishes); the 50-state module calculates under 2026 rules. No signup is required — every visitor always sees the same, latest data set. The page also has a built-in staleness watchdog: if an annual update window opens before we have re-verified the data, a yellow notice appears near the calculator; if the window closes and the data still hasn't been refreshed, it escalates to a red warning telling you to pause and wait for the update — tracked independently for federal rules and for every state.

The calculator supports three tax years: 2025 (official, final figures per Rev. Proc. 2024-40 including the OBBBA retroactive changes — the 2025 standard deduction was raised to $15,750/$31,500/$23,625), 2026 (official figures per Rev. Proc. 2025-32), and 2027 (projected estimates). The year selector is the first field, labeled "Tax Year," in the Income card of the Calculator tab, visible in both Quick and Advanced modes. 2025 and 2026 are official IRS numbers you can rely on for checking and planning; the 2027 numbers are projected from the official 2026 figures using typical inflation adjustments (about +2.5% CPI indexing for brackets, the standard deduction, capital-gains thresholds, and the Child Tax Credit, and about +4.5% wage indexing for the Social Security wage base). The IRS is expected to publish official 2027 figures around October 2026, and this site will swap in the official numbers then. A prominent warning appears whenever 2027 is selected — treat it as directional planning guidance only, never for precise filing.

Directly below the "Tax Year" dropdown on the Calculator tab, use the "Compare Tax Years" dropdown to pick a comparison set — 2025 vs 2026, 2026 vs 2027 (projected), or the full 2025 vs 2026 vs 2027 three-year view — then click Calculate as usual. A "Multi-Year Comparison" table expands in the results below the bracket breakdown: the same income and deductions are calculated once under each selected year's rules, comparing the applied deduction, taxable income, federal income tax, FICA/SE tax, total tax, effective rate, and refund/owed line by line. Each pair of adjacent years gets its own Δ column (later year − earlier year): green means better for you, red means worse. Typical uses: check 2025 vs 2026 refund changes before adjusting your withholding mid-year, or — as a freelancer — check 2026 vs 2027 before deciding whether to bunch large itemizable expenses into 2026 or defer them. The What-If scenario table also works across years: saved records remember their tax year, and 2027 rows are marked "(Est.)".

This feature exists precisely for decisions like "see the tax impact before going self-employed" — no more running the numbers manually in two browser tabs:

1. On the Calculator tab, fill in scenario A (say, your current W-2 wages and withholding), click Calculate, then click Save Record and name it, e.g. "W-2 job".
2. Change the inputs to scenario B (for example, clear wages, enter self-employment income in Advanced mode and tick "I am self-employed"), calculate again and save it as "Full-time freelance".
3. Open the Compare tab from the top navigation and tick the Compare checkbox on those two rows of the "What-If Scenarios" table.
4. A Scenario Side-by-Side Detail expands right under the table: inputs (tax year, filing status, each income type, withholding) and results (AGI, taxable income, federal tax, FICA/SE tax, total tax, effective and marginal rates, after-tax income, refund/owed) line by line — and with exactly 2 scenarios selected, a Δ column shows the difference (green = better for you).

You can compare up to 3 scenarios at once. For privacy, records live only in the current browser session and are cleared on refresh — use Download JSON to keep them, then re-import on the History tab later.

For tax year 2026, the standard deduction is $16,100 for Single filers, $32,200 for Married Filing Jointly, $16,100 for Married Filing Separately, and $24,150 for Head of Household. Most taxpayers save more with the standard deduction than by itemizing. This calculator applies the correct amount automatically based on the filing status you select.

Itemize only when your total itemized deductions exceed the standard deduction for your filing status ($16,100 Single, $32,200 Married Filing Jointly, or $24,150 Head of Household in 2026). Common itemized deductions include state and local taxes (capped at $40,400 in 2026), mortgage interest, charitable gifts, and medical expenses above 7.5% of AGI. Use the calculator's Advanced mode to compare both options side by side.

US federal income tax is progressive: each bracket rate applies only to the slice of income inside that bracket, not to your entire income. For example, a Single filer in the 22% bracket still pays 10% on the first $12,400 of taxable income and 12% on the next layer. Your effective rate is the blended average of all brackets, so it is always lower than your top (marginal) bracket.

Employees split FICA with their employer, each paying 7.65%. Self-employed individuals pay both sides: 12.4% Social Security (up to the $184,500 wage base in 2026) plus 2.9% Medicare, a combined 15.3% on 92.35% of net self-employment income. You can deduct half of the self-employment tax from your income, and this calculator applies that deduction automatically.

Partly. The 2026 Child Tax Credit is $2,200 per qualifying child under 17. The non-refundable portion can reduce your tax bill to zero; the Additional Child Tax Credit makes up to $1,700 per child refundable, meaning you can receive it as a refund even if you owe no tax. The credit phases out above $200,000 (Single) or $400,000 (Married Filing Jointly) of income.

The dividing line is one year of ownership. Assets held one year or less produce short-term gains, taxed as ordinary income at your regular brackets (10% to 37%). Assets held longer than one year qualify for long-term rates of 0%, 15%, or 20%, depending on your taxable income. Long-term treatment is usually much cheaper, which is why the holding period matters so much.

The main federal calculator computes federal income tax, FICA, and self-employment tax. For state tax, use the dedicated State Tax tab — it estimates state income tax for all 50 states plus DC and lets you compare them side by side. State rates range from 0% (Florida, Texas, and seven other states) to over 13% in California, and some cities add a local income tax on top.

This calculator is designed for US citizens and resident aliens who file Form 1040. Non-resident aliens generally file Form 1040-NR, which follows different rules: usually no standard deduction, different treaty benefits, and different filing statuses. The Guide tab explains the basics for foreign filers, but non-resident aliens should verify their situation with a professional.

No. This calculator runs 100% inside your browser; nothing you enter is transmitted or stored on any server. Saved records live only in your current browser session and disappear when you refresh or close the page. To keep them, use the download button in the History tab to save a JSON file to your own device.

This tool models the core federal calculation but omits items that may appear on a real return: EITC, AMT, the 3.8% Net Investment Income Tax, education credits, retirement savings credits, and the new OBBBA deductions for tips, overtime, seniors, and car-loan interest. Each of these can raise or lower your actual bill. Treat the result as a close planning estimate, not a filing figure.

FICA is the payroll tax that funds Social Security (6.2% of wages up to $184,500 in 2026) and Medicare (1.45%, plus 0.9% on high earners). Federal income tax is separate, based on progressive brackets applied after deductions. FICA has no standard deduction or brackets; it applies from the first dollar of wages. Employees see both withheld on every paycheck.

Pick a state on the map in the State Tax tab (or use the dropdown list), then enter your annual income and filing status. State taxable income ≈ annual income − a deduction: CA, NY, VA, GA, MA, IL, MI, KS, and OK use their own standard deduction or personal exemption; PA, NJ, CT, and OH have no standard deduction; all other states use the federal standard deduction as a proxy. Progressive states are modeled as single-filer bracket schedules, with married filing jointly approximated at double width. Local and city income taxes and state-specific credits are not included.

Nine states levy no state income tax on wages in 2026: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. Two nuances worth knowing: Washington has no wage income tax but does levy a 7% tax on long-term capital gains above roughly $270,000, and New Hampshire's former tax on interest and dividends (I&D) was fully repealed starting in 2025, leaving it completely free of wage-type state income tax from 2026 on. On the state tax map these states are shown in green.

This tool produces a simplified estimate. A real state return can differ because of state-specific credits and exemptions (such as earned income credits or dependent exemptions), local and city income taxes (New York City up to 3.876%, Maryland counties at 2.25%–3.2%, municipal taxes in Ohio and Pennsylvania), California's ~1.1% SDI payroll tax, deduction phase-outs at higher incomes in some states, and mid-year law changes. Figures here are simplified 2025–2026 data — always confirm against your state Department of Revenue's official forms and guidance before filing.

This site maintains a growing free article library at /articles/ (71 articles and counting), including a step-by-step Filing Tutorials series covering first-time filing, freelance/1099 income, mixed W-2 plus freelance income, state plus federal together, and filing after a major life change — each one walking through how to use this calculator at the relevant step. Other categories go deeper than the FAQ on specific topics: the 2026 tax law changes, standard vs. itemized deductions, marginal vs. effective tax rate, self-employment tax, the Child Tax Credit, capital gains tax, filing deadlines, W-4 withholding, commonly overlooked deductions and credits, retirement account taxation, and Married Filing Jointly vs. Separately. Each article is its own page, easy to bookmark or share, and the "Articles" menu in the top navigation lets you browse by category or search to jump straight to a topic. Articles are currently available in English.

How to Reach Us

The fastest way to reach the team is email: [email protected]. We welcome tool feedback, data corrections, content suggestions, and bug reports — if a number looks wrong, it deserves a second look, and we want to know.

You can write in English or Chinese, whichever is more comfortable; both are read by the same small team. After you write, your message goes into a shared queue that we triage together, so there is no need to send duplicates.

If your question concerns a saved record or an exported JSON file, you may attach it — remember that your files never leave your machine during normal use, and we only ever receive what you deliberately choose to send.

What to Include

For bug reports, the most helpful details are the page URL, the values you entered (a screenshot is perfect), the result you expected, and what the calculator showed instead. Your browser and device type — for example, Safari on iPhone or Chrome on Windows — help us reproduce display issues quickly.

For data corrections, please point us to the IRS or SSA source you are comparing against. A Revenue Procedure number, an IRS.gov page, or an SSA announcement lets us verify the figure and ship a fix without a long back-and-forth.

What We Can and Cannot Answer

We can answer questions about how the calculators work, where a figure comes from, and why a page says what it says.

We cannot provide individual tax advice. We are not CPAs, Enrolled Agents, or attorneys, and we cannot prepare or review your return, comment on your specific situation, or tell you what to claim. For personal tax decisions, please consult a qualified CPA or EA, or use the free resources at IRS.gov.

If your question is about your own return — whether you should itemize, how to report a specific 1099, or how a life event changes your filing status — a professional who can see your full picture will always give you a better answer than a web tool's support inbox can.

Response Time

We are a small team and we read every message. Most emails receive a reply within two to three business days; during the January–April filing season it can take a little longer. Messages reporting an incorrect figure that other visitors rely on are always prioritized.

We do not offer phone support at this time — email keeps a written record that makes it far easier for us to track, reproduce, and confirm every fix.

Overview

This Privacy Policy explains what information US Tax Calculator 2026 handles, what it does not handle, and why. The short version: the calculators on this site run entirely in your browser, and the financial figures you enter are never transmitted to us or to any server we control.

Data You Enter

Wages, self-employment income, capital gains, filing status, and every other value you type into a calculator are processed locally on your device by JavaScript running in your own browser tab. These figures are never sent over the network to us, never written to a database, and never seen by our team. Closing or refreshing the page discards them unless you have exported a record yourself.

Browser Storage

The site uses your browser's sessionStorage and localStorage only for interface preferences — such as your language choice — and for a dismissal timestamp so a notice you have closed does not reappear. Saved tax records live only in the current browser session and are deleted when you refresh or close the page, unless you export them first. We cannot access this storage remotely; it resides entirely on your device.

File Exports

When you download a JSON record of a calculation, the file is generated in your browser and saved directly to your device. The export does not pass through our servers, and uploading a previously exported file is likewise processed locally.

Third-Party Services

We use Google AdSense to display advertising, which keeps the tools free. Google may use cookies or similar technologies to serve and measure ads, including personalized ads where permitted. You can learn how Google uses information from partner sites and manage your choices at https://policies.google.com/technologies/ads.

The jsDelivr content delivery network delivers the open-source charting library used on the comparison tab; like any CDN, it may see standard technical request data such as your IP address when the file is fetched.

No Accounts, No Tracking Pixels of Our Own

The site has no account system, no registration, and no login. We operate no analytics or tracking pixels of our own, and we do not maintain profiles of visitors.

Children's Privacy

This site is a tax reference tool intended for adults and is not directed at children under 13. We do not knowingly collect personal information from children, and the design of the site — with no accounts and local-only data — means no personal information is gathered at all.

Changes to This Policy

If we change this policy, the revised version will be posted on this page with an updated date. Material changes will be summarized at the top of the page for a reasonable period.

Questions about privacy? Reach us through our contact page.

Last updated: July 2026

Educational Purpose Only

US Tax Calculator 2026 and all of its calculators, articles, tutorials, and FAQs are provided for general educational and planning purposes. Results are estimates intended to help you understand how federal tax rules work — they are not a substitute for a prepared tax return.

The 2026 rules shown reflect the One Big Beautiful Bill Act and the IRS inflation adjustments current as of July 2026; later legislation or IRS guidance may change how a rule applies to you.

Not Tax, Legal, or Investment Advice

Nothing on this site constitutes tax, legal, accounting, or investment advice, and nothing here should be relied upon as such. Tax outcomes depend on your complete facts — residency, family situation, income sources, prior-year carryovers, and more — which a web calculator cannot fully capture.

No Professional Relationship

Using this site does not create any CPA–client, Enrolled Agent–client, attorney–client, or other professional relationship between you and the site or its team. Communications through our contact page are for tool feedback only and are not privileged.

Accuracy

We strive for accuracy and build every figure from official sources — IRS Revenue Procedure 2025-32, SSA announcements, and the One Big Beautiful Bill Act — but we make no warranty, express or implied, that results are complete, current, or error-free. Tax law and IRS guidance may change at any time, and official IRS publications control in any conflict.

Rounding conventions, mid-year law changes, and features intentionally not modeled — such as the AMT, the 3.8% Net Investment Income Tax, the EITC, education credits, and state and local taxes — can all move a real return away from an estimate shown here.

Illustrative Examples

Examples in articles and tutorials use simplified, hypothetical scenarios to illustrate mechanics. They omit many real-world items — such as the AMT, NIIT, EITC, and state taxes — and must not be mapped directly onto your own return.

External Links

This site links to external resources such as IRS.gov and SSA.gov for your convenience. Those sites are not endorsed by, controlled by, or affiliated with us, and we are not responsible for their content or availability.

Limitation of Liability

To the fullest extent permitted by law, the site and its team disclaim liability for any loss, penalty, interest, or damage arising from the use of, or reliance on, the calculators or content. Your tax obligations remain solely your responsibility.

Always Consult a Professional

Before filing, making estimated payments, or acting on any estimate shown here, consult a qualified tax professional — a CPA or Enrolled Agent — who can review your complete situation.

Last updated: July 2026