See exactly how the federal brackets apply to your income, and what your total federal liability comes to.
What this calculator does
Federal income tax is the largest single deduction for most workers. This calculator walks your taxable income through each bracket from 10% up to 37% and totals the result.
Pre-tax contributions such as a traditional 401(k) or HSA reduce taxable income directly, so adding them here shows the tax saving immediately.
A worked example
The calculator opens with a gross annual income of 75,000. On those figures the federal tax owed is $8,114. Underneath, Taxable income comes out at $60,000 and Deduction used at $15,000. Change any field and every figure updates as you type.
How to use it
- Enter your gross income for the year.
- Select filing status, tax year and deduction type.
- Add pre-tax contributions to see the reduction in tax.
How the number is calculated
taxable income = gross − pre-tax − deduction
tax = sum of each bracket slice at its own rate
Frequently asked questions
Which tax year should I pick?
Choose the year the income was earned, not the year you file. Income earned in 2025 is filed in early 2026.
Are the 2026 figures final?
No — 2026 brackets shown here are projected from inflation indexing and will be replaced when the IRS publishes final numbers.