2026 tax calculators that run the real numbers
Official IRS 2026 brackets and the new tax law, computed in your browser as you type. Free, no signup, nothing stored or sent.
✓ No upload ✓ No signup ✓ Updated for the OBBBA tax law ✓ Verified October 11, 2026
13 calculators, one engine
2026 guides
Why the numbers here are different
Brackets, standard deductions, capital-gains thresholds and FICA ceilings come straight from IRS Revenue Procedure 2025-32 and the SSA — not a stale 2023 table with a new title.
Tips up to $25,000, overtime, the senior bonus, the $40,000 SALT cap and the $2,200 Child Tax Credit are real inputs on the calculators — not footnotes.
There is no account, no upload and no server-side computation. Refresh the page and every number you entered is gone — privacy by architecture, not by policy.
How 2026 taxes actually work, in one paragraph
Gross income comes in, above-the-line deductions come off first (in 2026 that includes the new OBBBA amounts for tips up to $25,000 and overtime up to $12,500/$25,000 joint, plus a $6,000 senior bonus for filers 65+), then the standard deduction — $16,100 single, $32,200 married filing jointly, $24,150 head of household — or your itemized total, whichever is larger. What survives is taxable income, and it drops through seven federal layers: 10%, 12%, 22%, 24%, 32%, 35% and 37%. Credits come last and are worth the most: the Child Tax Credit removes up to $2,200 per child under 17 straight off the bill. Every calculator above runs this exact sequence on the official IRS figures from Revenue Procedure 2025-32 — the same numbers your tax software will use next April, computed live as you type.
Where you start depends on the question you are asking. “What will I owe for the year?” starts with the income tax calculator. “Why is my paycheck smaller than salary ÷ 12?” starts with the paycheck calculator, which layers FICA and your state’s tax on top. Holding a bonus check and wondering whether to spend it? The bonus calculator separates the withholding theater from the true cost. Freelancers live one page over, on the self-employed calculator — the 15.3% self-employment tax surprise is much less surprising once you have seen it broken into lines. And if you only remember one number from this site, make it the one on the bracket calculator: the difference between your marginal rate and your effective rate is the most misunderstood — and most useful — pair of numbers in personal finance.