PFCHow to use this calculator
Estimate regular federal tax on ordinary income. Select the basic standard deduction or enter a verified custom total, and add eligible nonrefundable credits.
- Review the example inputs and replace them with the figures for your scenario.
- Check the assumptions and select Calculate to view the estimate.
- Compare a second scenario or open the breakdown and download the full CSV.
Illustrative example
With the example inputs, estimated federal ordinary income tax is $9,870.00. 2026 ordinary-income estimate. Basic standard deduction assumes under 65, not blind, not a dependent, and eligible to use it. Use custom deductions for a verified total. Excludes capital-gain rates, payroll/SE tax, AMT, NIIT and automatic credit eligibility.
These example values are for explanation. They are not current market quotes or personalized recommendations.
Calculation method
Subtract adjustments and deductions from ordinary income, allocate taxable income across progressive brackets, then subtract eligible nonrefundable credits without reducing regular tax below zero.
Assumptions and limitations
2026 U.S. federal ordinary-income estimate using rate brackets rather than IRS tax-table rounding. Basic standard deduction assumes under 65, not blind, not a dependent, and eligible to claim it; separate filers whose spouse itemizes must use a verified custom deduction. Custom deductions and credits are user-supplied. No capital-gains rates, taxable Social Security calculation, payroll or self-employment tax, AMT, NIIT, or automatic credit/phaseout calculations. Excludes state/local taxes. Not a complete return.
Sources
2026 income tax calculator FAQs
Choose a question to read the answer, then try your own numbers in the free calculator.
Is this a flat tax on all my income?
No. Each slice of taxable income is taxed at its bracket rate. The breakdown shows those slices.
Does this calculate all deductions and credits?
No. It applies a basic standard deduction or your custom amount, plus credits you enter. It does not determine eligibility or phaseouts.
Can I use this for self-employment income?
It does not calculate self-employment tax or related deductions. A complete self-employed tax estimate needs additional calculations.
Is this calculator free?
Yes. You can calculate and download the breakdown without creating an account.
Are my numbers saved?
The app sends inputs to its calculation API to produce the result, but does not save them in an app database or browser storage.
PFC provides mathematical planning estimates. Tax and retirement rules in these tools are for 2026 and do not update automatically. Check the cited sources and the terms that apply to your situation.