Federal Income Tax Calculator 2025-2026
Calculate your federal income tax liability using the latest IRS tax brackets and deductions for the 2025-2026 tax year.
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Enter your income and tax information to see your federal tax liability and effective tax rate.
Federal Income Tax Calculator 2025-2026: Complete Guide
How to Use the Federal Tax Calculator
- • Select your filing status (Single, MFJ, MFS, HOH)
- • Enter your annual gross income from all sources
- • Add your age for senior deduction eligibility
- • Include number of dependents and qualifying children
- • Choose standard or itemized deductions
- • Add pre-tax deductions (401k, HSA, health insurance)
- • Include tax credits and federal withholding
- • Get instant federal tax liability calculation
2025-2026 Tax Brackets
Single Filers
- • 10%: $0 - $11,600
- • 12%: $11,600 - $47,150
- • 22%: $47,150 - $100,525
- • 24%: $100,525 - $191,050
- • 32%: $191,050 - $243,725
- • 35%: $243,725 - $609,350
- • 37%: $609,350+
Tax Planning Strategies
- • Maximize 401(k) contributions ($23,000 limit for 2025)
- • Contribute to HSA ($4,300 individual, $8,550 family)
- • Consider Roth IRA conversions in low-income years
- • Time capital gains and losses strategically
- • Bunch itemized deductions in alternating years
- • Claim all eligible tax credits
- • Review filing status options if married
Standard Deductions 2025-2026
- • Single: $14,600
- • Married Filing Jointly: $29,200
- • Married Filing Separately: $14,600
- • Head of Household: $21,900
- • Additional (65+): $1,850 (Single), $1,500 (MFJ per spouse)
Key Tax Credits 2025-2026
- • Child Tax Credit: $2,000 per qualifying child
- • Earned Income Tax Credit: Up to $7,830 (3+ children)
- • American Opportunity Credit: Up to $2,500 per student
- • Lifetime Learning Credit: Up to $2,000 per return
- • Child and Dependent Care: Up to $3,000 (1 child), $6,000 (2+)
Tax Planning Tip
Consider increasing your 401(k) contributions if you're in a higher tax bracket. Every $1,000 contributed can save you $220-$370 in federal taxes depending on your bracket.
Important Dates
Tax filing deadline: April 15, 2026. Quarterly estimated payments due: Jan 15, Apr 15, Jun 15, and Sep 15, 2025.