Income tax calculator · Federal tax calculator

See how ordinary federal brackets apply to a simplified return.

FedTaxEst is an educational estimator for U.S. federal ordinary income tax. Enter filing status, earned income, a combined adjustment, standard or itemized deduction, and an optional rough child credit. Results show estimated tax, effective rate, and the marginal bracket — labeled for tax year 2025 or 2026.

Estimate ordinary federal income tax

Numbers stay in your browser. Nothing is uploaded. Use tax year 2025 for returns generally filed in 2026, or 2026 for returns generally filed in 2027.

Tax year
Brackets and the standard deduction change by year.
W-2 wages and similar earned pay. Not self-employment tax.
Interest, ordinary dividends, or other ordinary income. Not long-term gains.
One combined above-the-line amount: traditional IRA, HSA, student loan interest, educator expenses, and similar Schedule 1 adjustments.
Deduction
Additional standard deduction (optional)
Optional. Uses a simplified $2,200 credit with a high-income phaseout.
Education, dependent care, or other credits you already know, combined.

Estimated result

Enter earned income to see estimated tax, effective rate, and the marginal bracket. The breakdown below shows how ordinary brackets stack.

Estimated tax

Ordinary tax after the chosen deduction and simplified credits, floored at zero. Not a refund forecast.

Effective rate

Estimated tax divided by AGI. It is usually lower than the last bracket you touch.

Marginal bracket

The ordinary rate on the last dollar of taxable income in this model. Next-dollar planning still needs a full return.

What this federal tax calculator includes

The tool stacks the seven ordinary rates published for individuals, subtracts the OBBBA-updated standard deduction or your itemized total, then optionally reduces tax with a rough child credit and any other nonrefundable credits you enter. It is meant for learning the difference between brackets, deductions, and rates — not for e-filing.

Read the bracket tables, the standard deduction notes, and marginal versus effective rate. Sources live on the methodology page.