2026 Federal Tax Calculator - OBBBA Tax Calculator
Free 2026 Tax Calculator with OBBBA Updates | $16,100 Standard Deduction | $6,000 Senior Deduction
2026 OBBBA Updates: This calculator uses the new 2026 tax rules under the One Big Beautiful Bill Act.
- Standard deduction: $16,100 (single), $32,200 (married joint), $24,175 (head of household)
- Senior deduction: $6,000 additional for taxpayers 65+
- Tax brackets remain the same (10%, 12%, 22%, 24%, 32%, 35%, 37%)
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 $168,600
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)
401(k) Contributions
Compare Traditional (pre-tax) vs Roth (post-tax) 401(k) contributions
Choose percentage of salary or flat dollar amount
Pre-tax contributions reduce taxable income now
Post-tax contributions, tax-free withdrawals in retirement
Pre-Tax Benefits
Enter your annual pre-tax benefit contributions to see net pay after benefits and taxes.
Switch to itemized if your deductions exceed the standard deduction
Standard deduction increased to $16,100 for single filers (up from $14,600 in 2025).
New $6,000 deduction for taxpayers aged 65 and older.
Tax rates remain the same, but thresholds are inflation-adjusted.
Most tax sites focus on the current filing year (2025). This calculator shows you how your 2026 paychecks will change under the new OBBBA rules.
See exactly how the increased standard deduction and new senior deduction will affect your take-home pay.
What is the 2026 Federal Tax Calculator?
Our 2026 federal tax calculator is a free online tool that helps you estimate your 2026 federal income taxes using the new One Big Beautiful Bill Act (OBBBA) tax rules. Unlike most tax calculators that focus on the current filing year (2025), this calculator shows you exactly how your 2026 paycheck will change with the new standard deductions and tax provisions.
The calculator accounts for the $16,100 standard deduction for single filers (up from $14,600 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 represents a significant increase from 2025 rates:
- Single filers: $16,100 (increased from $14,600 in 2025) - Save $300-$450 per year
- Married filing jointly: $32,200 (increased from $29,200 in 2025) - Save $600-$900 per year
- Married filing separately: $16,100 (increased from $14,600 in 2025)
- Head of household: $24,175 (increased from $21,900 in 2025) - Save $450-$675 per year
This means most taxpayers will see a reduction in their 2026 federal tax liability, resulting in higher take-home pay. For example, a single filer earning $75,000 will save approximately $300-$400 in federal taxes compared to 2025.
2026 Senior Deduction: $6,000 Additional Deduction
One of the most significant changes in the 2026 OBBBA tax calculator is the new senior deduction. Taxpayers aged 65 and older can claim an additional $6,000 deduction in 2026, which is added to the standard deduction.
This means:
- Single seniors: $22,100 total deduction ($16,100 + $6,000)
- Married seniors filing jointly: $38,200 total deduction ($32,200 + $6,000)
- Head of household seniors: $30,175 total deduction ($24,175 + $6,000)
This $6,000 senior deduction can save seniors an additional $600-$1,500 in federal taxes depending on their tax bracket. Use our calculator and check the "I am 65 or older" box to see your 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 tax certainty for years to come.
2026 Federal Tax Brackets (Single Filers):
- 10% on income up to $11,600
- 12% on income from $11,601 to $47,150
- 22% on income from $47,151 to $100,525
- 24% on income from $100,526 to $191,950
- 32% on income from $191,951 to $243,725
- 35% on income from $243,726 to $609,350
- 37% on income over $609,350
These rates apply to your taxable income after subtracting the standard deduction (or itemized deductions) and other adjustments. The calculator automatically applies the correct bracket based on your income and filing status.
How to Use the 2026 Tax Calculator
Using our free 2026 federal tax calculator is simple:
- Enter your income: Input your annual salary, hourly wage, or paycheck amount
- Select your filing status: Choose single, married filing jointly, married filing separately, or head of household
- Check senior status: If you're 65 or older, check the box to claim the $6,000 senior deduction
- Select your state: Choose your state for accurate state tax calculations
- Click Calculate: See your 2026 tax breakdown, take-home pay, and savings compared to 2025
The calculator shows you:
- Your 2026 standard deduction amount
- Your taxable income after deductions
- Your federal tax liability
- Your take-home pay after all taxes
- How much you'll save compared to 2025
Why Use Our 2026 Tax Calculator?
Most major tax sites like TurboTax and H&R Block focus on the current filing year (2025). Our 2026 tax calculator is specifically designed to show you how your 2026 paychecks will change under the new OBBBA rules.
Uses official OBBBA tax rules and 2026 standard deductions
No registration required, completely free 2026 tax calculator
Compare 2025 vs 2026 taxes and see how much you'll save
Complete tax breakdown with deductions, credits, and take-home pay
2026 Tax Planning: What You Need to Know
With the 2026 OBBBA tax changes, now is the perfect time to plan ahead. Here's what you should know:
- Higher standard deduction: Most taxpayers will 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
- Tax bracket planning: Understand which tax bracket you'll be in to optimize your income and deductions
- Withholding adjustments: Consider adjusting your W-4 withholding to account for lower 2026 tax rates
Use our 2026 tax calculator to run different scenarios and see how changes in income, filing status, or deductions affect your tax liability.