Use this free 2026 federal income tax calculator to estimate your tax bill and whether you’re on track for a refund.
Income Tax & Refund Estimator (2026)
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It uses the 2026 IRS tax brackets and standard deduction, the $2,200 Child Tax Credit, the $500 credit for other dependents, and the new $6,000 senior deduction for people 65 and older. Enter what you’ve had withheld to see your estimated refund or balance due.
2026 standard deduction and brackets at a glance
| Filing status | Standard deduction | Extra if 65+ (each) | 12% bracket ends | 22% bracket ends |
|---|---|---|---|---|
| Single | $16,100 | $2,050 | $50,400 | $105,700 |
| Married filing jointly | $32,200 | $1,650 | $100,800 | $211,400 |
| Head of household | $24,150 | $2,050 | $67,450 | $105,700 |
The United States uses marginal tax rates: each bracket’s rate applies only to the income inside that bracket, so moving into a higher bracket never lowers your take-home pay.
Frequently asked questions
Why might I owe even though taxes come out of every paycheck?
Withholding is an estimate based on your W-4. Side income, interest, a second job or two working spouses can leave you underwithheld. If the calculator shows you’ll owe, you can raise your withholding with a new W-4 or make an estimated payment.
Who gets the new senior deduction?
For 2025 through 2028, taxpayers 65 and older can deduct up to $6,000 each, on top of the standard or itemized deduction. It shrinks by 6% of income above $75,000 ($150,000 for joint filers), and married couples must file jointly to claim it.
What does this calculator leave out?
It doesn’t include self-employment tax, capital gains rates, the new deductions for tips, overtime and car-loan interest, the Earned Income Tax Credit, education credits or state income tax. If you have side-business income, also run the self-employment tax calculator.
Related: Take-Home Pay Calculator, Year-End Tax Planning for 2026, Traditional vs. Roth IRA.
Sources: IRS Rev. Proc. 2025-32 (2026 inflation adjustments) and the One Big Beautiful Bill Act provisions for the Child Tax Credit and senior deduction. Estimates only; not tax advice.
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