Enter what you earn, what you put away pre-tax and which deduction you take. You will get taxable income, the tax itself, your effective and marginal rates, and a bracket-by-bracket picture of where the money actually lands.
Enter your income to see the estimate.
Every step from gross income down to the tax itself.
Each band shows how much of your taxable income falls there and the tax it generates.
Educational estimate only, not tax, legal, or accounting advice. Every situation is different; book a consultation for guidance specific to you.
These are the exact 2026 figures this calculator applies. If one of them does not match your situation, the result will not match either.
Not modeled: Social Security and Medicare tax (FICA on wages, or self-employment tax on business profit), state and local income tax, the Section 199A qualified business income deduction, tax credits of any kind, the alternative minimum tax, net investment income tax, capital gains rates, and phase-outs. Take-home is gross income less pre-tax contributions and federal income tax only, your real paycheck will be lower. For a fuller picture use the total tax liability estimator.
Almost every conversation about "what tax bracket are you in" confuses two different numbers. Getting them straight changes how you plan.
The rate that applies to the next dollar you earn. It matters for decisions: should I take that extra contract, defer income into January, or put another $5,000 into the 401(k)? Every one of those questions is answered at the margin.
Total tax divided by total income. It is always lower than your marginal rate because your first dollars were taxed at 10% and 12%. This is the honest answer to "what percentage of my income goes to federal tax."
Seeing your income split across bands makes the point that no raise ever costs you money. Crossing into a higher bracket only taxes the dollars above the line at the higher rate, everything underneath is untouched.
This calculator tells you what the current shape of your year produces. Tax planning is the work of changing that shape before December closes it, retirement contributions, timing of income and expenses, entity structure, and the deductions your practice qualifies for but nobody claimed.
