2026 Federal Tax Calculator — OBBBA Tax Brackets & Take-Home Pay
Calculate your 2026 net take-home pay with all OBBBA changes applied — $16,100 standard deduction, $6,000 senior deduction (ages 65+), $25,000 tip deduction, $12,500 overtime deduction, and updated 2026 brackets — all 50 states, free, no sign-up.
How it works
Enter your income & state
Annual salary, hourly wage, or paycheck amount — and your state for state tax.
Select filing status & senior
Single, married, head of household. Check the box if you're 65+ for the $6,000 senior deduction.
See your 2026 take-home
Instant breakdown: federal tax, state tax, FICA, and how much you save vs. 2025.
2026 OBBBA updates active in this calculator
- Standard deduction: $16,100 single · $32,200 married joint · $24,150 head of household
- Senior deduction (65+): $6,000 additional
- Same 7 brackets (10%–37%), inflation-adjusted thresholds — now permanent
Remote work, wellness, education, or other regular payments
Tax Exemptions
Toggle off any taxes that don't apply to your situation
Federal tax based on your income bracket
Select a state to see rate
Applies to wages up to $184,500 (2026)
Additional 0.9% applies to income over $200k/$250k
Income that is not subject to federal income tax (e.g., municipal bond interest, certain benefits)
Eligible for Child Tax Credit ($2,000 per child)
Pre-tax contributions that reduce taxable income
= $0/yr (×26 paychecks)
Pre-tax — reduces taxable income now
= $0/yr (×26 paychecks)
Post-tax — tax-free withdrawals in retirement
Use if itemized > standard deduction
Select a state to see the 401(k) comparison.
Higher Standard Deduction
$16,100 single (↑ from $15,750 in 2025). $32,200 married joint. $24,150 head of household.
$6,000 Senior Deduction
New for 2026: taxpayers 65+ add $6,000 on top of the standard deduction.
Permanent Brackets
Same 7 rates (10%–37%), thresholds inflation-adjusted, now permanent under OBBBA.
What is the 2026 OBBBA Tax Calculator?
Our 2026 federal tax calculator is a free online tool that estimates your 2026 federal income taxes using the new One Big Beautiful Bill Act (OBBBA) tax rules. Unlike most tax calculators focused on 2025 filing, this calculator shows you exactly how your 2026 paycheck will change with the increased standard deductions and new senior deduction.
The calculator applies the $16,100 standard deduction for single filers (up from $15,750 in 2025), the $32,200 standard deduction for married couples filing jointly (up from $29,200), and the new $6,000 senior deduction for taxpayers aged 65 and older.
2026 Standard Deduction: How Much Will You Save?
The 2026 standard deduction increased from 2025 (OBBBA-adjusted 2025 values per IRS Rev Proc 2025-32):
- Single filers: $16,100 (up from $15,750 in 2025) — deduction up $350, ~$42–$84 in tax savings
- Married filing jointly: $32,200 (up from $31,500 in 2025) — deduction up $700, ~$84–$168 in tax savings
- Married filing separately: $16,100 (up from $15,750 in 2025)
- Head of household: $24,150 (up from $23,625 in 2025) — deduction up $525, ~$63–$126 in tax savings
Tax savings ranges reflect the 12%–24% marginal brackets; actual savings depend on your taxable income. For example, a single filer earning $75,000 saves approximately $280 in federal taxes in 2026 compared to 2025 (from both the higher standard deduction and inflation-adjusted bracket thresholds).
2026 Senior Deduction: $6,000 Additional Deduction
One of the most significant OBBBA additions is the new $6,000 senior deduction for taxpayers aged 65 and older. This is added on top of the standard deduction:
- Single seniors: $22,100 total ($16,100 + $6,000)
- Married joint — one spouse 65+: $38,200 total ($32,200 + $6,000)
- Married joint — both spouses 65+: $44,200 total ($32,200 + $6,000 + $6,000)
- Head of household seniors: $30,150 total ($24,150 + $6,000)
The $6,000 senior deduction (per qualifying senior) saves $720–$1,440 in federal taxes per qualifying person at the 12%–24% brackets. Check the "I am 65 or older" box in the calculator above to see your exact savings.
2026 Tax Brackets: Same Rates, Adjusted Thresholds
The 2026 tax brackets use the same seven marginal tax rates as 2025, but income thresholds are adjusted for inflation. The brackets are now permanent under OBBBA, providing long-term tax certainty.
2026 Federal Tax Brackets — Single Filers
These rates apply to taxable income after subtracting your standard deduction (or itemized deductions). The calculator automatically applies the correct bracket for your income and filing status.
2026 Federal Tax Brackets: All Filing Statuses
The 2026 brackets use the same seven marginal rates (10%–37%), now made permanent under OBBBA. The OBBBA applied a 4% inflation boost to the bottom two brackets (10% and 12%) and ~2.3% to upper brackets, preventing bracket creep. Source: IRS Rev. Proc. 2025-32 / OBBBA (P.L. 119-21).
| Rate | Single / MFS | Married Filing Jointly | Head of Household |
|---|---|---|---|
| 10% | Up to $12,400 | Up to $24,800 | Up to $17,700 |
| 12% | $12,401 – $50,400 | $24,801 – $100,800 | $17,701 – $67,450 |
| 22% | $50,401 – $105,700 | $100,801 – $211,400 | $67,451 – $105,700 |
| 24% | $105,701 – $201,775 | $211,401 – $403,550 | $105,701 – $201,750 |
| 32% | $201,776 – $256,225 | $403,551 – $512,450 | $201,751 – $256,200 |
| 35% | $256,226 – $640,600 | $512,451 – $768,700 | $256,201 – $640,600 |
| 37% | Over $640,600 | Over $768,700 | Over $640,600 |
These rates apply to taxable income after subtracting your standard deduction or itemized deductions — not your gross income. The calculator automatically applies the correct bracket, standard deduction, and OBBBA senior bonus for your inputs.
2025 vs 2026: How Much More Will You Take Home?
The table below shows estimated federal income tax savings in 2026 vs. 2025 from the higher standard deduction and inflation-adjusted brackets alone — before counting any new OBBBA deductions (tips, overtime, senior). Savings are approximate for a single filer taking the standard deduction.
| Gross Income | 2025 Est. Tax | 2026 Est. Tax | You Save | Bracket |
|---|---|---|---|---|
| $40,000 | $2,918 | $2,870 | ~$48 | 12% |
| $60,000 | $5,918 | $5,806 | ~$112 | 22% |
| $75,000 | $9,218 | $8,939 | ~$280 | 22% |
| $100,000 | $14,718 | $14,366 | ~$352 | 22% |
| $150,000 | $25,718 | $25,102 | ~$616 | 24% |
| $200,000 | $37,518 | $36,822 | ~$696 | 32% |
+ Additional savings from OBBBA deductions (not included above):
- Senior (65+): $6,000 × your marginal rate = $720–$1,440 additional savings per person
- Tipped workers: up to $25,000 deduction = $3,000–$9,250 in savings depending on bracket
- Overtime workers: up to $12,500 deduction = $1,500–$4,625 in additional savings
Estimates assume single filer, standard deduction only, no credits. Actual amounts vary by filing status, deductions, and credits. Use the calculator above for your specific situation.
OBBBA Schedule 1-A Deductions: Tips, Overtime, Car Loan & Senior
OBBBA created four new above-the-line deductions claimed on IRS Schedule 1-A (new form for 2025+). These reduce your AGI and are available whether you itemize or take the standard deduction. All four are temporary: 2025–2028 only, unless extended by future legislation. Source: IRS.gov / OBBBA P.L. 119-21.
No Tax on Tips
Max deduction: Up to $25,000/yr
Phase-out: MAGI > $150K (single) / $300K (MFJ)
Available: 2025–2028
Deducts qualified voluntary cash or charged tips from customarily tipped occupations (as of Dec 31, 2024). Must be reported on W-2 or 1099. Applies to employees and self-employed; self-employed cap = net business income.
No Tax on Overtime
Max deduction: $12,500 (single) / $25,000 (MFJ)
Phase-out: MAGI > $150K (single) / $300K (MFJ)
Available: 2025–2028
Only the overtime premium (the extra 0.5× portion of time-and-a-half) qualifies — not the full overtime wage. E.g., at $20/hr regular rate, overtime is $30/hr; only the $10 premium × OT hours is deductible. Must be reported separately on W-2. Not for bonuses or shift differentials.
Senior Deduction (65+)
Max deduction: $6,000/person ($12,000 MFJ if both 65+)
Phase-out: MAGI > $75K (single) / $150K (MFJ)
Available: 2025–2028
Available to taxpayers 65+ on December 31 of the tax year. Added to Schedule 1-A (below-the-line), claimed in addition to the standard deduction or itemized deductions. Phase-out reduces the deduction by 5% for each $1,000 of MAGI above the threshold.
Car Loan Interest Deduction
Max deduction: Up to $10,000/yr
Phase-out: IRS guidance pending
Available: 2025–2028
Deducts interest paid on auto loans for vehicles assembled in the United States. Claimed on Schedule 1-A. The vehicle must be primarily for personal use. Full phase-out rules pending final IRS guidance.
Claiming: All four deductions are claimed on IRS Schedule 1-A, a new form introduced for 2025. The total flows to Form 1040 Line 13b. Consult a tax professional or the latest IRS instructions at irs.gov for final eligibility rules.
Why Use Our 2026 Tax Calculator?
Uses official OBBBA tax rules and 2026 standard deductions
No registration required, completely free 2026 tax calculator
Compare 2025 vs 2026 taxes and see exactly how much you'll save
Full breakdown: deductions, taxable income, federal + state tax, FICA, take-home pay
2026 Tax Planning: What You Need to Know
- Higher standard deduction: Most taxpayers benefit from the increased standard deduction, reducing the need to itemize
- Senior tax benefits: If you're 65 or older, make sure to claim the $6,000 senior deduction
- Bracket planning: Understand which bracket you're in to optimize income and deductions
- W-4 adjustments: Consider adjusting your W-4 withholding to reflect lower 2026 federal tax
- Permanent brackets: OBBBA makes brackets permanent, enabling more reliable long-term planning
Use the 2026 tax calculator above to run different income and filing-status scenarios to see exactly how the OBBBA changes affect your situation.
Frequently Asked Questions
- IRS — Rev Proc 2025-32: IRS 2026 inflation adjustments including OBBBA — Official source for all 2026 tax brackets, standard deductions, and OBBBA changes.
- IRS — Tax Withholding Estimator: irs.gov — Tax Withholding Estimator — Official IRS tool for estimating withholding and taxes.
- IRS — Publication 505: irs.gov/publications/p505 — Tax Withholding and Estimated Tax.
- IRS — Standard Deduction (Topic 551): irs.gov/taxtopics/tc551 — Standard deduction amounts and filing status requirements.
Results are estimates for planning purposes only. Consult a tax professional for your specific situation.
Related calculators
Based on OBBBA (One Big Beautiful Bill Act) effective 2026 · For estimation only; consult a tax professional for advice.