Your next ordinary taxable dollar
The federal ordinary-income bracket applying after deductions. An eligible long-term gain can use a different federal rate.
2026 federal + state estimate
See how income and investment gains move through the brackets
Estimate ordinary income tax, short- and long-term capital-gains tax, and simplified state tax using your filing status, deductions, and pre-tax contributions.
Estimate total tax
Income tax calculator
Build a transparent tax estimate
Enter ordinary income separately from capital gains. Short-term gains use ordinary rates; eligible net long-term gains use the 2026 federal 0%, 15%, and 20% thresholds. The result is an estimate, not a refund or withholding calculation.
Your federal tax breakdown
Ordinary income and long-term gains use different layers| Layer | Rate | Taxable amount | Tax from layer |
|---|
State bracket breakdown
Select a state to calculate| Rate | Taxable income in layer | Tax from layer |
|---|---|---|
| N/A | Select a state | $0 |
State estimates use published rate schedules and the state deductions you enter above.
This simplified estimate includes ordinary federal tax, eligible net long-term capital gains at the 2026 federal 0%/15%/20% thresholds, short-term gains at ordinary rates, and an approximate 3.8% net investment income tax. It excludes tax credits, qualified dividends, capital-loss carryovers, collectibles and unrecaptured section 1250 gain, qualified small-business stock rules, self-employment tax, Social Security and Medicare tax, local income tax, alternative minimum tax, and return-specific phase-outs. State taxable income starts with the federal adjusted-gross-income estimate and subtracts only the state deductions entered above; special state capital-gains rules are not modeled. Confirm filing decisions with current IRS and state guidance or a qualified tax professional.
Read the result correctly
Three numbers that answer different questions
A bracket rate is not the percentage applied to every dollar you earn.
Your estimated tax divided by entered income
The combined federal and selected-state estimate divided by ordinary income plus entered gains. Payroll and local taxes are not included.
Federal and state bases can differ
States may use different deductions, exemptions, and adjustments. Enter those separately when you know them.
2026 reference points
Standard deduction$16,100
Standard deduction$32,200
Standard deduction$24,150
401(k) employee limit$24,500
0% long-term gain ceiling$49,450
15% long-term gain ceiling$545,500
Current numbers, with eligibility still required
Single and married filing separately.
Married filing jointly and qualifying surviving spouses.
Head of household.
Basic 2026 elective-deferral limit before applicable catch-up amounts.
Single filers; $98,900 for married filing jointly.
Single filers; $613,700 for married filing jointly. Amounts above use 20%.