--- title: "Income Tax Calculator 2026: Federal, State & Refund Estimate | TaxWren" description: "Estimate your 2026 federal and state income tax, see how your income fills each bracket, and check whether you will get a refund or owe. All 50 states, free." url: https://taxwren.com/income-tax-calculator --- 2026 tax year · updated Oct 10, 2026 # Income tax calculator Federal, state and local income tax for 2026, how your income fills each bracket, and your refund or amount owed. Everything runs in your browser; nothing you type is sent anywhere. Total income tax 2026 10.2% effective $75,000 income · Single · Texas $7,670 Add your withholding under “Other income, children, overtime and withholding” to see your refund or amount owed. - Federal income tax: $7,670 - State income tax: $0 Social Security and Medicare on wages are withheld separately and are not part of income tax. ## How your income is taxed (federal) - 10% on $12,400$1,240 - 12% on $38,000$4,560 - 22% on $8,500$1,870 Federal taxable income after the standard deduction: $58,900. What this estimate assumes - Standard deduction (no itemizing) - No child tax credit - Other income taxed at ordinary rates (no qualified dividends or capital gains) - No local income tax - Excludes the 2025 law deductions for tips, overtime, seniors and car loan interest Estimate for information only, not tax advice. 2026 figures from IRS Rev. Proc. 2025-32 and state sources. ## How 2026 income tax is calculated 1. **Add up your income:** wages, self-employment profit and other income such as interest. 2. **Subtract pre-tax contributions** such as a traditional 401(k), and half of any self-employment tax. 3. **Subtract the standard deduction:** $16,100 single, $32,200 married filing jointly, $24,150 head of household. 4. **Apply the brackets** to what is left, from 10% to 37%. See the [2026 federal tax brackets](/federal-tax-brackets). 5. **Subtract credits** such as the child tax credit ($2,200 per child). 6. **Compare with withholding** to see your refund or balance due. ## Income tax by state - [Alabama](/income-tax-calculator/alabama) - [Alaska](/income-tax-calculator/alaska) - [Arizona](/income-tax-calculator/arizona) - [Arkansas](/income-tax-calculator/arkansas) - [California](/income-tax-calculator/california) - [Colorado](/income-tax-calculator/colorado) - [Connecticut](/income-tax-calculator/connecticut) - [Delaware](/income-tax-calculator/delaware) - [District of Columbia](/income-tax-calculator/district-of-columbia) - [Florida](/income-tax-calculator/florida) - [Georgia](/income-tax-calculator/georgia) - [Hawaii](/income-tax-calculator/hawaii) - [Idaho](/income-tax-calculator/idaho) - [Illinois](/income-tax-calculator/illinois) - [Indiana](/income-tax-calculator/indiana) - [Iowa](/income-tax-calculator/iowa) - [Kansas](/income-tax-calculator/kansas) - [Kentucky](/income-tax-calculator/kentucky) - [Louisiana](/income-tax-calculator/louisiana) - [Maine](/income-tax-calculator/maine) - [Maryland](/income-tax-calculator/maryland) - [Massachusetts](/income-tax-calculator/massachusetts) - [Michigan](/income-tax-calculator/michigan) - [Minnesota](/income-tax-calculator/minnesota) - [Mississippi](/income-tax-calculator/mississippi) - [Missouri](/income-tax-calculator/missouri) - [Montana](/income-tax-calculator/montana) - [Nebraska](/income-tax-calculator/nebraska) - [Nevada](/income-tax-calculator/nevada) - [New Hampshire](/income-tax-calculator/new-hampshire) - [New Jersey](/income-tax-calculator/new-jersey) - [New Mexico](/income-tax-calculator/new-mexico) - [New York](/income-tax-calculator/new-york) - [North Carolina](/income-tax-calculator/north-carolina) - [North Dakota](/income-tax-calculator/north-dakota) - [Ohio](/income-tax-calculator/ohio) - [Oklahoma](/income-tax-calculator/oklahoma) - [Oregon](/income-tax-calculator/oregon) - [Pennsylvania](/income-tax-calculator/pennsylvania) - [Rhode Island](/income-tax-calculator/rhode-island) - [South Carolina](/income-tax-calculator/south-carolina) - [South Dakota](/income-tax-calculator/south-dakota) - [Tennessee](/income-tax-calculator/tennessee) - [Texas](/income-tax-calculator/texas) - [Utah](/income-tax-calculator/utah) - [Vermont](/income-tax-calculator/vermont) - [Virginia](/income-tax-calculator/virginia) - [Washington](/income-tax-calculator/washington) - [West Virginia](/income-tax-calculator/west-virginia) - [Wisconsin](/income-tax-calculator/wisconsin) - [Wyoming](/income-tax-calculator/wyoming) Sources: [IRS Rev. Proc. 2025-32](https://www.irs.gov/pub/irs-drop/rp-25-32.pdf). See our [methodology](/methodology). ## Frequently asked questions ### What are the federal income tax brackets for 2026? Seven rates from 10% to 37%. For single filers, 10% applies up to $12,400 of taxable income and 37% above $640,600. Each rate applies only to the income inside its bracket. ### How much federal income tax do I pay on $75,000? A single filer with $75,000 of wages pays about $7,670 of federal income tax in 2026, after the $16,100 standard deduction. That is 10.2% of income, even though the top bracket reached is 22%. ### Will I get a tax refund? You get a refund when the tax withheld from your paychecks (W-2 box 2) plus any estimated payments is more than the tax you owe for the year. Enter your withholding in the calculator to see your estimated refund or balance due. ### What is the difference between marginal and effective tax rate? Your marginal rate is the rate on your last dollar of income (your top bracket). Your effective rate is your total tax divided by your income, which is always lower because the first slices of income are taxed at lower rates or not at all. ## Related guides - [Explainer · PaychecksNo tax on overtime, explainedHow the overtime deduction works in 2026: only the premium counts, up to $12,500 ($25,000 joint), paychecks are still taxed, and how much it saves.](/blog/no-tax-on-overtime) - [Guide · State taxesStates with no income tax in 2026The 9 states with no tax on wages in 2026, what that saves you, and the catches: Washington's capital gains and millionaires taxes, and high sales taxes.](/blog/states-with-no-income-tax)