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2026 federal income tax calculator: brackets, standard deduction, senior deduction

Estimate your 2026 federal income tax from your income: the standard deduction (with the extra amounts from 65 or blind), the new $6,000 deduction for seniors, the 2026 non-itemizer charity deduction, your tax bracket by bracket, and your marginal and average rates.

✓ TestedEvery bracket checked against IRS Rev. Proc. 2025-32
2026 federal income tax–
BracketTaxable income in itTax

2026 brackets and standard deductions from IRS Rev. Proc. 2025-32: $16,100 single or separate, $32,200 joint, $24,150 head of household, plus $1,650 for each spouse 65+ or blind ($2,050 if unmarried). Deduction for seniors (2025–2028): $6,000 for each person 65 or older, less 6% of income over $75,000 ($150,000 joint); not available if married filing separately (IRS Schedule 1-A). Non-itemizers can deduct up to $1,000 of cash gifts to charity ($2,000 joint). Income here is treated as ordinary income: no capital gains rates, credits, or other taxes. Below $100,000 of taxable income the IRS tax table rounds to $50 bands, so it can differ by a few dollars.

How it works

Taxable income is your income minus the larger of the standard deduction and your itemized deductions, minus the deduction for seniors and, if you don't itemize, up to $1,000 ($2,000 joint) of cash gifts to charity. Each slice of taxable income is taxed at its bracket's rate. The calculator's tax at every bracket threshold equals the base amount in IRS Rev. Proc. 2025-32. A single filer with $100,000 of income has $83,900 of taxable income and owes $13,170, 13.2% of income. More in the 2026 tax brackets guide.

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