Embed 2025–2026 Federal Income Tax & Refund Calculator

2025–2026 Federal Income Tax & Refund Calculator

Your inputs

Enter the details you haveWe apply the 2026 federal brackets and deduction, then compare estimated tax with federal withholding and payments.

Tax yearFiling statusChoose the status you expect to use on your federal return.Income before taxes$Use your expected total pay and other ordinary income for the year.Federal income tax withheld$Use the expected full-year total from pay stubs and tax forms—not Social Security or Medicare.

Add payments, adjustments, deductions or creditsOptional

Federal estimated payments already made$Include quarterly federal payments for this tax year. Do not include state payments.Eligible pre-tax adjustments$Examples include deductible IRA or HSA contributions. Leave $0 if unsure.Itemized deductions, if known$Leave at $0 and we use the 2026 standard deduction automatically.Tax credits, if known$Leave $0 if you do not know yet.

Estimated result

Projected federal refund$630

Estimated federal tax$9,870

Withholding and payments$10,500

Taxable income$68,900

Deduction used$16,100

Effective tax rate11.6%

Marginal bracket22%

Income after federal tax$75,130

Federal ordinary-income planning estimate. Payroll details, refundable credits, self-employment tax, investment surtaxes and state tax can change the filed return.